Carbondale Homeowners Insurance

(Find the right homeowners insurance policy for you.)

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to

Young couple working on their finances together at home

Carbondale, Illinois is located about 96 miles southeast of St. Louis, Missouri. The city has about 26,000 residents. It sits on the northern edge of the Shawnee National Forest and is the home of Southern Illinois University. 

If you own a home in Carbondale, your homeowners insurance helps you pay for damage and repairs when disaster strikes, or even when you have a small kitchen fire, a break-in, or minor wind damage. An independent insurance agent in the area can help you compare quotes and find the best coverage and price for your needs.  

Does Homeowners Insurance Cover Your Whole Property?

Your homeowners insurance policy is designed to protect you when fires, severe weather, or other disasters strike. It contains dwelling coverage, which pays for repairs to the physical structure of your home. It also contains contents coverage, which pays for repairing or replacing lost or damaged personal property after a covered event. 

  • Number of declared disasters in Illinois: 60
  • Most common reasons for disasters in the state: Severe Storms and Floods
  • Average number of tornadoes per year in Illinois: 54
  • Average amount of property damage per year in Illinois: $1,958,191,000
  • 1 in 15 insured US homes has a claim each year

If you live in an area that is prone to floods, be sure to talk to your insurance agent about the importance of flood insurance. Flood damage is not covered by your homeowners insurance, even if it is caused by a severe storm or hurricane. Flood insurance is available from the National Flood Insurance Program (NFIP). 

The Importance of Liability Insurance for Carbondale Homeowners

Homeowners may face claims of negligence at any time. If someone gets hurt on your property, or your child or pet causes an injury or property damage, you may need to pay for the injured party’s property repairs or medical bills. What’s more, you could be sued and face extensive legal costs to defend yourself or settle the issue. Your home liability insurance covers the costs of these kinds of lawsuits. It pays for your court costs, attorney fees, and even any settlements or judgments that you are required to pay. It covers situations like:

  • A guest getting injured on your property
  • Your pet biting a passerby
  • Your child damaging a neighbor’s home
  • Accusations of slander or libel (e.g., you are accused of slander for something you posted online)

Some homeowners might want more liability coverage than their homeowners insurance allows. In these cases, a personal umbrella insurance policy offers supplemental liability coverage beyond the limits of your home insurance and car insurance. A local independent insurance agent can help you review your options and compare costs.


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Does Carbondale Homeowners Insurance Offer Coverage for Burglaries?

Carbondale has a high home burglary rate compared to the state and national averages. This might contribute to higher-than-average home insurance rates in certain neighborhoods where property crimes are more prevalent.

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Illinois: 3.75
  • Number of burglaries per 1,000 homes in Carbondale: 12.70

It’s important for all Carbondale residents to protect their homes from burglaries, break-ins, and vandalism. Be sure to install security lights and cameras, use deadbolt locks, and leave your house lights on when you’re away from home. A home security system is one of the best ways to prevent break-ins. 

It can keep burglars away, alert you when break-ins are attempted, and may even help you get a discount on your home insurance.  If you are the victim of a break-in or burglary, your homeowners insurance can help you make repairs and replace your stolen or damaged belongings. And your independent insurance agent will be there to relieve some of the burden by helping you through the claims process. 

Insurance Coverage for Second Homes and Vacation Homes 

Second homes can be tricky when it comes to homeowners insurance. A house that is not your primary residence has additional risk factors. Your insurance company may require you to purchase different amounts and types of coverage than you would for your year-round home. Vacation homes are periodically unoccupied. 

Any home that is vacant for long periods is more susceptible to break-ins, vandalism, and water or ice damage. What’s more, you might not notice the damage for a while, causing it to worsen. Many vacation homes need vacant home insurance in order to be properly protected when something goes wrong. 

Owners of rental properties have a greater chance of being sued by tenants, as well as additional liability risks. If you own a rental property, you might require increased liability coverage but less coverage for the contents of the property. Landlord insurance can help you properly cover your rental property. Your local independent insurance agent can help you obtain multiple quotes for your additional residential properties. You can choose the coverage that best fits your needs.

How Much Does Homeowners Insurance Cost in Carbondale, IL?

Illinois is the 28th most expensive state for home insurance in the US, and the cost of coverage in Carbondale is even lower than the state average. 

  • National average yearly premium: $1,173
  • Illinois average yearly premium: $1,033
  • Carbondale average yearly premium: $949

Homeowners insurance rates are definitely not one-size-fits-all. Insurance companies determine your rates by looking at your individual home, the risk factors for your neighborhood, and your specific coverage needs. If you live in a ZIP code with a high crime rate or one that is highly susceptible to natural disasters, you can expect to pay more than someone living in a safer area. 

Shopping around for the best rate for a Carbondale homeowners insurance policy is easy with the help of an independent insurance agent. Independent agents aren’t tied down to one carrier, so they can obtain multiple quotes and help you make an informed choice. 

Why Work with an Independent Insurance Agent in Carbondale?

Independent insurance agents make comparison shopping for homeowners insurance easy. Independent agents work with several different insurance companies, so they can help you find the right coverage for your needs and budget.

Contact an independent agent in or near Carbondale for customized quotes now. 

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