Dix, IL Homeowners Insurance Rate Quotes!

If you are shopping for a new homeowners insurance policy in Dix, IL we are here to help.

GetHomeInsuranceQuotes.com makes shopping your coverage quick and easy, best of all, you never have to leave the comfort of your own home. Our online quoting application process has been trusted by thousands of homeowners like you who want a quick way to review and compare rates without any hassle.

Our licensed homeowners insurance professionals will help you compare multiple options and review your coverage levels to make sure you are fully protected and not paying for coverages you no longer need. We pull rates from up to 12 different carriers so you have plenty of choice when it comes to cost and coverages. All of our insurers are highly rated by A.M Best and we will walk you through the entire process and answer any questions that pop up.

Dix, Illinois has 2,784 residents calling it home. This number translates into 599 households with the median household income coming in at $41,600. The median home price in Dix is $97,700 making it a very affordable city to buy a house. When it comes to the cost of homeowners insurance, Dix residents are pretty lucky, the average premium in Illinois is $1,144 well below the national median, making Illinois a bargain.

Homeowners insurance comes in a variety of different policy types and each one is designed to protect a specific type of house. Here are just a few policy examples:

HO-3: This policy type is the most common homeowner policy and is considered the standard for most houses. It protects against damage from all perils except those specifically excluded in the policy wording. All standard homeowner policies exclude flood and earthquake damage so if you live in a high-risk area for flooding you will need a flood insurance policy, which we can help you find.

HO-5: An HO-5 is considered a more upscale policy that offers broader coverage than an HO-3. These policies are usually only available on newer, high-end homes. One of the major differences is the fact that your personal property (your possessions) are covered against all perils while an HO-3 does limit damage (to your posssessions) to specially named perils. In most cases, an HO-5 policy is significantly more expensive.

H0-6: If you live in a condo or co-op building, this is the type of policy you will need. It protects the structural portions of your unit that you actually own as well as your personal belongings. It also provides liability insurance in the event someone is injured in your condo or co-op. This type of policy only protects against the perils listed in the policy.

If your homeowners insurance premium has increased recently, it may be time to shop your premium around. We have helped thousands of homeowners find a new policy and our quoting process lets you compare rates and coverage levels from the comfort of your own home. We will also make sure that all available discounts are being applied to your policy.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions. If you are ready to start shopping for a new policy, simply enter your zip code and we can get started on compare coverage. If you prefer to call us, please call 1-855-976-2656

Compare Homeowners Insurance Rates in Dix, IL!

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Average Rates Nearby Dix

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

Home Insurance Rates by Zipcode in Dix, IL

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

62830,     

Dix, IL Home Insurance Average Premiums

$606 /yr.

For the city of Dix, 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.

What is the average home insurance cost for a home in Dix, IL?

What does it cost on average per month for home insurance in Dix, IL?

Dix, IL - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Dix 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:

Get up to 12 competitive Dix, IL homeowners insurance rates all in one place!

Saving Money Tips on Dix Home Insurance

A great way to save money on Dix 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:

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

Elevation Review for Coastal Wind or Flooding Risk

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Illinois flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Dix, 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 Jefferson County.

Illinois Homeowners Insurance News & Information

According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

Dix, IL Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Dix so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Dix, IL?

- The average square footage in Dix is around 634 Sq. Ft. which would cost you around $97,700 to replace the home if you base the home on the price to build per square foot of $154.

Minimum Replacement Cost Total: $97,700

Location: Dix, Illinois (Jefferson County)

Average Building Cost Per Square Foot in Dix: $154 (low end)

Average Square Footage in Dix: 634 Sq. Ft.

The dwelling coverage is calculated by the average cost per square foot ($154) in Dix, Illinois times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $481,250 (Media price to build of $193 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.

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