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62889 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 62889? There are over 330 occupied homes in the 62889 area. With a population size of 803, it's not uncommon for residence of Texico, 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 $850 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 62889 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: Texico, IL Home Insurance Rate Quotes

62889 Home Insurance Average Premiums

Local 62889 homeowners insurance quotes comparison

$600 /yr.

Shows Zip Code: 62889 lowest rates with discounts applied on average.

For the 62889, 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)		$600 /yr.
Average Coverage:$850 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1150 /yr.

What is the average home insurance cost for a home in 62889?

  • • The average homeowners insurance premium paid annually for a home in 62889 is around $850 per year.

What does it cost on average per month for home insurance in 62889?

  • • Homeowners in 62889 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 62889?

  • • Autoowners in 62889 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 Texico area, check out other zip codes nearby 62889.
Review average rates in another zip code:
62889 homeowners insurance rates

Home Replacement Cost Coverage in 62889

Average Building Cost Per Square Foot in 62889: $154

Location: Texico, Illinois (Jefferson County)

Average Square Footage in 62889: 756 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62889 before you start any project. Texico 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 62889 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 62889 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 756 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 Texico 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$154756$116,400
Additional Upgrades & Added Features$193756$145,500
Major Home Updates or Advancements$231756$174,600

It's important to understand that when you estimate your replacement cost of your home in the 62889 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 Homeowners Insurance Agencies in 62889

Best Home & Auto Insurance Agencies in 62889

Housing Demographics for 62889

Population Review for 62889 Zip Code

For the city of Texico, the population within 62889 has increased to over 828 residents in population size. The current population total is 803. We have broken down the population based on race below. In 62889, there are over 447 in male population and 356 females.

PopulationValues
Total Population803
White Population775
Black Population5
Hispanic Population4
Asian Population1
Hawaiian Population0
Indian Population2
Other Population0
Male Population447
Female Population356
Population Estimate828

Household Data for 62889

The average number of homes in 62889 is around 330, there are an average of 2.43 per household. The average house value according to local real estate values is around $116,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode330
Persons Per Household2.43
Average House Value$116,400
Income Per Household$62026
Median Age48.4
Median Age Male49.3
Median Age Female47.7
62889 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code618
CityTexico
City Alias NameTEXICO
CountyJefferson
County FIPS081
State FIPS17
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA34500
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMount Vernon, IL
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees22
Business First Quarter Payroll92
Business Annual Payroll427
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population47284
CBSA Division Population0
Congressional District12
Congressional LandArea5008.21
Delivery Residential341
Delivery Business4
Delivery Total345
Preferred Last Line KeyW15255
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW15255
Land Area31.900000
Water Area0.042000
City Alias Code
City Mixed CaseTexico
City Alias Mixed CaseTexico
Box Count0
SFDU341
MFDU0
State ANSI17
County ANSI081
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number167710
Unique ZIP Name
SSA State County Code14490
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseJefferson

Illinois Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    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 […]