Heneghan, White, Cutting, & Roentz Insurance Agency
200 N State St, Jerseyville, IL 62052
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200 N State St, Jerseyville, IL 62052
View this agency's profile to learn more about their services.
100 N. State Street, Jerseyville, IL 62052
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Jerseyville residents.
Jerseyville home insurance averages $2,225/year. Learn about flood risks near the Mississippi River, tornado coverage, and how to save on premiums.
Car InsuranceGet the essential guide to auto insurance in Jerseyville, Illinois. Learn about 25/50/20 requirements, at-fault laws, and how to protect yourself on US-67.
General Insurance EducationComplete insurance guide for Jerseyville, Illinois. Learn about auto, home, flood, and life insurance for Jersey County residents with expert tips to save.
Illinois homeowners pay an average of $2,225 per year for $300,000 in dwelling coverage, though actual costs vary widely based on your home's age, condition, location, and coverage limits. In Jerseyville, where median home values are around $126,445, your premium will depend on your specific replacement cost needs. Flood insurance, if needed, averages $1,248 annually but can be much lower if you're in a moderate-risk zone.
Yes, standard homeowners insurance covers tornado damage, including wind damage to your roof, walls, siding, and windows. However, many Illinois policies have a separate wind/hail deductible—typically 1% to 5% of your dwelling coverage—which is higher than your standard deductible. With Illinois experiencing 146 tornadoes in 2025, understanding your wind deductible before a storm hits is critical.
Market value is what your home would sell for on the real estate market. Replacement cost is what it would cost to rebuild your home from the ground up using today's labor and material costs. Replacement cost is almost always higher, especially with construction costs rising. Your homeowners insurance should be based on replacement cost, not market value, to ensure you can fully rebuild after a total loss.
Yes, raising your deductible from $500 to $1,000 or $2,500 can reduce your premium by 10% to 25%. Just make sure you have enough savings to cover the higher deductible if you need to file a claim. This strategy works best if you have an emergency fund and you're using the premium savings to build long-term financial security.
Illinois home insurance rates jumped 50% from 2021 to 2024, driven by extreme weather events like the record 146 tornadoes in 2025, rising construction costs, and supply chain issues affecting rebuilding expenses. Major insurers like State Farm raised rates by over 27% in recent years. The trend is expected to continue, making it important to shop around regularly for competitive rates.
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