Home Insurance in 62946

If your primary reason for shopping for homeowners insurance in the 62946 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Harrisburg, IL. Many homeowners that live in the 62946 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Illinois licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 62946 zip code should already appear in the zip code field ready to go. For Harrisburg, IL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 62946

Homeowners living in the city of Harrisburg are paying on average around $839 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 62946 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Illinois home insurance premiums have been recently ranked 31 in the country in terms of the annual cost of premiums. Because premiums in 62946 are lower compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 62946 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Harrisburg. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

Average Building Cost Per Square Foot in 62946: $154

Average Square Footage in 62946: 589 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62946 before you start any project. Harrisburg 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 62946 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 62946 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 589 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 Harrisburg 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.

It's important to understand that when you estimate your replacement cost of your home in the 62946 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.

Brockett- Rick D - State Farm Insurance Agent

Holman Jr- Bob - State Farm Insurance Agent

Household Data for 62946

The average number of homes in 62946 is around 5,192, there are an average of 2.28 per household. The average house value according to local real estate values is around $90,700. Please review the following demographics below for average income and media age.

• $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 […]

• 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 […]

• 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 […]