62521 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 62521? There are over 14,830 occupied homes in the 62521 area. With a population size of 33,793, it's not uncommon for residence of Decatur, IL to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Illinois is around $841 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 62521 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Decatur, IL Home Insurance Rate Quotes

62521 Home Insurance Average Premiums

Local 62521 homeowners insurance quotes comparison

$591 /yr.

Shows Zip Code: 62521 lowest rates with discounts applied on average.

For the 62521, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$591 /yr.
Average Coverage:	$841 /yr.
2600 sq. ft. or higher (all discounts applied)	$1141 /yr.

What is the average home insurance cost for a home in 62521?

• The average homeowners insurance premium paid annually for a home in 62521 is around $841 per year.

What does it cost on average per month for home insurance in 62521?

• Homeowners in 62521 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 62521?

• Autoowners in 62521 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Decatur area, check out other zip codes nearby 62521.
Review average rates in another zip code:
62526 homeowners insurance rates
62523 homeowners insurance rates
62521 homeowners insurance rates
62522 homeowners insurance rates

Home Replacement Cost Coverage in 62521

Average Building Cost Per Square Foot in 62521: $154

Location: Decatur, Illinois (Macon County)

Average Square Footage in 62521: 701 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62521 before you start any project. Decatur homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 62521 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 62521 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 701 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Decatur area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$154	701	$107,900
Additional Upgrades & Added Features	$193	701	$134,875
Major Home Updates or Advancements	$231	701	$161,850

Calculate Your Dwelling Coverage in 62521

It's important to understand that when you estimate your replacement cost of your home in the 62521 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Home & Auto Insurance Agencies in 62521

Bischoff- Robert A - State Farm Insurance Agent

Address: 1203 N Water St Decatur, IL 62521
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

American Family Insurance - Ryan M Waller

Address: 385 W 1st Dr Decatur, IL 62521
Phone:
Website: http://www.insurance-agency.amfam.com/il/ryan-m-waller/default.aspx?sourceid=yp3
Info:

Housing Demographics for 62521

Population Review for 62521 Zip Code

For the city of Decatur, the population within 62521 has increased to over 34,810 residents in population size. The current population total is 33,793. We have broken down the population based on race below. In 62521, there are over 16386 in male population and 17407 females.

Population	Values
Total Population	33,793
White Population	24654
Black Population	6482
Hispanic Population	739
Asian Population	251
Hawaiian Population	16
Indian Population	65
Other Population	308
Male Population	16386
Female Population	17407
Population Estimate	34810

Household Data for 62521

The average number of homes in 62521 is around 14,830, there are an average of 2.26 per household. The average house value according to local real estate values is around $107,900. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	14,830
Persons Per Household	2.26
Average House Value	$107,900
Income Per Household	$59269
Median Age	43.4
Median Age Male	41.5
Median Age Female	45.3

62521 Details	Values
State	IL
State Full Name	Illinois
City Type	P
City Alias Abbreviation
Area Code	217/447
City	Decatur
City Alias Name	DECATUR
County	Macon
County FIPS	115
State FIPS	17
Time Zone	6
Day Light Saving	Y
MSA	2040
PMSA
CSA
CBSA	19500
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Decatur, IL
MSA_Name	Decatur, IL MSA
PMSA_Name
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	571
Number Of Employees	8258
Business First Quarter Payroll	87240
Business Annual Payroll	401923
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	110768
CBSA Division Population	0
Congressional District	13\|15
Congressional LandArea	5793.65\|14695.67
Delivery Residential	15403
Delivery Business	734
Delivery Total	16127
Preferred Last Line Key	W12606
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key	W12606
Land Area	65.968000
Water Area	3.953000
City Alias Code
City Mixed Case	Decatur
City Alias Mixed Case	Decatur
Box Count	0
SFDU	13925
MFDU	807
State ANSI	17
County ANSI	115
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	162004
Unique ZIP Name
SSA State County Code	14660
Medicare CBSA Code	19500
Medicare CBSA Name	Decatur, IL
Medicare CBSA Type	Metro
Market Rating Area ID	10
County Mixed Case	Macon

Illinois Homeowners Insurance News & Information

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According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Home Insurance Quotes in 62521!