Get West Salem, IL Home Insurance Rates!

Are you paying too much for your homeowners insurance in West Salem? For most people in West Salem, the answer to that question is, yes.

Homeowners in West Salem, Illinois are paying an "average" of $1,144 for a standard home insurance policy. The national average premium across the United States which is $1,311.

If you are tired of paying too much for homeowners coverage, you are at the right spot.  We can help you shop a dozen insurers all at once, saving you both time and money. We will also make sure that every home insurance discount available to you will be included on your West Salem, IL homeowners policy.

Insurance issues Illinois homeowners should know about

West Salem weather can be severe at times which means that homeowners in your state may need to be aware of these additional risks and how they impact insurance coverage.

Flood Insurance: Hurricanes and other severe weather can lead to flooding which can do a tremendous amount of damage to a home. Flood damage is almost always excluded from a standard homeowners policy so you have to carry flood insurance in order to be fully protected.

Flood insurance can be pricey, but it can also be a financial lifesaver if your home is damaged or destroyed by a flood. Flood insurance is available via the National Flood Insurance Program (NFIP) or through private insurers.

Windstorm Insurance or Deductible: Illinois is no stranger to hurricanes and these storms can lead to wind damage that may not be covered or triggers a hurricane deductible.

Some standard homeowner policies exclude wind damage caused by hurricanes or other high level windstorms, requiring homeowners to purchase a separate windstorm policy or if windstorm damage is covered, a windstorm deductible may apply.

A windstorm deductible kicks in when a hurricane is declared by National Weather Service. In Illinois, hurricane deductibles apply for damage that occurs from the time a hurricane watch, or warning is issued for any part of Illinois, up to 72 hours after such a watch or warning ends and anytime hurricane conditions exist throughout the state.

Windstorm deductibles are percentage deductibles which means you will pay a percentage of your coverage level as a deductible. As an example, if you are carrying $300,000 in coverage and have a 5 percent hurricane deductible, you will need to cover the first $15,000 of your claim.

Types of homeowners insurance in West Salem

HO-3: This is the most common type of homeowners insurance being sold in West Salem, and the United States. This is a standard homeowner policy for a single-family home. This type of policy will protect your home’s structure if it is damaged by any peril, except ones that are specifically excluded in the policy details.

However, your personal possessions are only covered against a specific set of perils. With most policies those covered perils are:

• Theft
• Fire or Lightning
• Explosion
• Smoke
• Freezing
• Vehicles
• Falling Objects
• Volcanic Eruption
• Windstorm or Hail
• Riot or Civil Commotion
• Damage caused by Aircraft
• Vandalism or Malicious Mischief
• Damage due to weight of Ice, Snow, or Sleet
• Sudden & Accidental Tearing Apart, Cracking, Burning, or Bulging
• Sudden & Accidental Damage from Artificially Generated Electric Current
• Accidental Discharge or Overflow of Water from Plumbing, Air conditioning

These policies provide great coverage and almost always come with dwelling, liability, personal property, other structures, and loss of use protection.  It should be noted that all HO-3 policies exclude flooding and earthquake damage, other exclusions usually apply so read the policy carefully.

HO-4: This policy was designed with renters in mind and is more commonly called renters insurance. A renters insurance policy will cover all of your personal property that is in your apartment, up to your coverage limits.

These policies also come with liability coverage which will help pay medical and legal expenses if a guest is injured in your apartment. If they decide to sue, this coverage will pay for your legal defense as well as any settlements or judgments that come out of the lawsuit.

HO-5: This is an upgrade from the HO-3 policy and tends to offer more comprehensive coverage, but at a higher premium. These policies are usually available on newer, more upscale houses. The big difference is that your personal property is covered from all perils except those excluded in the policy while an HO-3 only covers personal property against the perils named in the policy. It also offers replacement cost coverage as standard while an HO-3 will usually have fair market value as standard coverage.

Find a new policy now
Ready to start looking for a new policy?  Simply enter your West Salem zip code, fill out our short home insurance quoting application form online and sit back while we shop your coverage. We will send you up to 12 policy quotes from national insurance companies.

In addition to multiple quotes, we will assign a Illinois home insurance professional to your quote to help answer any questions you may have about policy details as well as pricing. Having an agent to turn to with questions can be a huge advantage and will ensure that have a complete understanding of your quote.

Start a quote online today or call us at 1-855-976-2656., we will work with you to find the best policy for your needs.

Compare Homeowners Insurance Rates in West Salem, IL!

Average Rates Nearby West Salem

Are you looking for homeowners insurance in a city near West Salem? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

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Home Insurance Rates by Zipcode in West Salem, IL

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in West Salem.

62476,     

Homeowners insurance will help cover the cost to repair or replace your West Salem home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

• Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in West Salem
• Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
• Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
• Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
• Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Saving Money Tips on West Salem Home Insurance

A great way to save money on West Salem homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

• Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
• Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
• Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
• Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the West Salem area? Check out what homeowners are paying on average for Illinois homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

To get online quotes on your home and compare rates on home insurance premiums in West Salem, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Edwards County.

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