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62896 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 62896 zip code find a great new policy that offers the coverage they need at a price they can afford.
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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 62896 and start shopping.
Quickly and Easily Compare Average Rates for 62896
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional West Frankfort, IL home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 62896
Homeowners in West Frankfort are paying roughly $843 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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62896 Home Insurance Average Premiums
$593 /yr.
Shows Zip Code: 62896 lowest rates with discounts applied on average.
For the 62896, 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) | $593 /yr. |
| Average Coverage: | $843 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1143 /yr. |
What is the average home insurance cost for a home in 62896?
- • The average homeowners insurance premium paid annually for a home in 62896 is around $843 per year.
What does it cost on average per month for home insurance in 62896?
- • Homeowners in 62896 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 62896?
- • Autoowners in 62896 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 West Frankfort area, check out other zip codes nearby 62896.
Review average rates in another zip code:
62896 homeowners insurance rates
Home Replacement Cost Coverage in 62896
Average Building Cost Per Square Foot in 62896: $154
Location: West Frankfort, Illinois (Franklin County)Average Square Footage in 62896: 535 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 62896 before you start any project. West Frankfort 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 62896 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 62896 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 535 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 West Frankfort 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 | 535 | $82,400 |
| Additional Upgrades & Added Features | $193 | 535 | $103,000 |
| Major Home Updates or Advancements | $231 | 535 | $123,600 |
It's important to understand that when you estimate your replacement cost of your home in the 62896 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 62896
Best Home & Auto Insurance Agencies in 62896
House, Debbie - Allstate Insurance
Address: 204 E Oak St West Frankfort, IL 62896Phone:
Website: http://www.allstateagencies.com/DebbieHouse/Welcome/
Info:
Kosco- Paul M - State Farm Insurance Agent
Address: 101 S Douglas St West Frankfort, IL 62896Phone:
Website:
Info:
Hoole John R Insurance Agency Inc
Address: 210 E Main St West Frankfort, IL 62896Phone:
Website:
Info:
Rude, Jessica Agent - Shelter Insurance
Address: 205 N Logan St West Frankfort, IL 62896Phone:
Website: http://www.shelterinsurance.com/jrude
Info:
Delap, Jessica - Shelter Insurance
Address: 114 W Main St West Frankfort, IL 62896Phone:
Website: http://www.shelterinsurance.com/CA/agent/JDELAP
Info:
Housing Demographics for 62896
Population Review for 62896 Zip Code
For the city of West Frankfort, the population within 62896 has increased to over 11,641 residents in population size. The current population total is 11,376. We have broken down the population based on race below. In 62896, there are over 5637 in male population and 5739 females.
| Population | Values |
|---|---|
| Total Population | 11,376 |
| White Population | 10593 |
| Black Population | 71 |
| Hispanic Population | 201 |
| Asian Population | 44 |
| Hawaiian Population | 3 |
| Indian Population | 41 |
| Other Population | 57 |
| Male Population | 5637 |
| Female Population | 5739 |
| Population Estimate | 11641 |
Household Data for 62896
The average number of homes in 62896 is around 4,946, there are an average of 2.28 per household. The average house value according to local real estate values is around $82,400. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 4,946 |
| Persons Per Household | 2.28 |
| Average House Value | $82,400 |
| Income Per Household | $45363 |
| Median Age | 43.9 |
| Median Age Male | 42.6 |
| Median Age Female | 45.2 |
| 62896 Details | Values |
|---|---|
| State | IL |
| State Full Name | Illinois |
| City Type | P |
| City Alias Abbreviation | W FRANKFORT |
| Area Code | 618 |
| City | West Frankfort |
| City Alias Name | WEST FRANKFORT |
| County | Franklin |
| County FIPS | 055 |
| State FIPS | 17 |
| Time Zone | 6 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | |
| CBSA | |
| CBSA_DIV | |
| CBSA_Type | |
| CBSA_Name | |
| MSA_Name | |
| PMSA_Name | |
| Region | Midwest |
| Division | East North Central |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 215 |
| Number Of Employees | 2583 |
| Business First Quarter Payroll | 20553 |
| Business Annual Payroll | 94275 |
| 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 | 0 |
| CBSA Division Population | 0 |
| Congressional District | 12 |
| Congressional LandArea | 5008.21 |
| Delivery Residential | 5106 |
| Delivery Business | 262 |
| Delivery Total | 5625 |
| Preferred Last Line Key | W15486 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | |
| CBSA_DIV_Name | |
| City State Key | W15486 |
| Land Area | 60.419000 |
| Water Area | 1.168000 |
| City Alias Code | |
| City Mixed Case | West Frankfort |
| City Alias Mixed Case | West Frankfort |
| Box Count | 175 |
| SFDU | 4687 |
| MFDU | 177 |
| State ANSI | 17 |
| County ANSI | 055 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 168358 |
| Unique ZIP Name | |
| SSA State County Code | 14360 |
| Medicare CBSA Code | 99914 |
| Medicare CBSA Name | Rural Areas in IL |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 13 |
| County Mixed Case | Franklin |
Illinois Homeowners Insurance News & Information
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$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 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
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 […]
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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 […]