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Peoria Homeowners Insurance

Tips for Buying Peoria, IL Homeowners Insurance

Find the right homeowners insurance policy for you.

Steve Dahl | March 18, 2020

Peoria, IL is the oldest European settlement in the state of Illinois, with roots tracing back to 1691. As of 2010, Peoria was the seventh-largest city in Illinois and had a reported population of 115,007. However, the greater Peoria regional population exceeds 370,000, which means it has an enormous suburban population comprised of many smaller neighborhoods and communities.

Your home is most likely one of your most important and valuable assets. Peoria, IL homeowners insurance is the best way to protect both your house and your belongings from fire, severe weather, burglary, and other risks. Unfortunately, many homeowners are not adequately protecting their assets. That is where an independent insurance agent in our network can assist. Contact your local member agent to get the help you need choosing the homeowners policy that is right for you.

  • National yearly premium average: $1,034
  • Illinois yearly premium average: $881
  • 28th most expensive premium in the US

The cost of homeowners insurance within the state of Illinois is actually relatively inexpensive compared to many other parts of the United States. With that in mind, don’t assume that the first quote you get for insurance coverage is going to be the best one. It is always best to gather several Peoria home insurance quotes prior to making any decisions.

Number of Catastrophes in Illinois:

  • National number of catastrophes: 19,033
  • Number of catastrophes in Illinois: 618
  • National number of tornadoes: 1,233
  • Number of tornadoes in Illinois: 81
  • National property damage from weather: $5,511,270,000
  • Property damage from weather in Illinois: $255,700,000

Catastrophes can occur to any home, at any time. They’re something that many people would rather not think about, but your house may be at risk for damage from hail, floods, or tornadoes. After a catastrophe, it’s important that you have adequate Peoria homeowners insurance coverage to help you recover from any losses. An independent agent can provide comparative Peoria home insurance quotes and help you sort through the details.

Number of Thefts in Illinois:

  • National average for burglaries: 37,814
  • Illinois number of burglaries: 58,237

Thefts occur throughout the state of Illinois, and Peoria is no stranger to them. That is why it is important for you to meet with an insurance agent and confirm that your home and its contents are protected from vandals and thieves with enough coverage. Your independent agent can gather a number of competing quotes and provide assistance to you as you find a policy that suits your needs and fits into your budget.

Vacant Home Insurance

Most mortgage lenders require owners of vacant homes to have insurance coverage, and it’s a good idea to be protected in case someone is injured on your property, or a catastrophe or break-in damages your house and its contents. If your house is going to be empty for a month or more, you’ll likely need to modify your insurance for your absence. Statistically, there is a greater chance that a vacant home will become a target for burglars or vandals. Also, since you’re not regularly on the property, the chance that small repairs could grow into bigger problems is more likely.

When you need homeowners insurance, whether for a home you occupy or one you’re leaving for a period of time, make sure you’re working with a reputable insurance company. Your independent agent can help you get the best coverage for your needs and budget. With over 22,000 member agencies nationwide, there’s an agent nearby who can help you get what you need. 

Find an agent today who can help you find an optimal Peoria homeowners insurance policy.

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