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60638 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 60638 zip code find a great new policy that offers the coverage they need at a price they can afford.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 60638 and start shopping.

Quickly and Easily Compare Average Rates for 60638

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Chicago, IL home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 60638

Homeowners in Chicago are paying roughly $828 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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60638 Home Insurance Average Premiums

Local 60638 homeowners insurance quotes comparison

$578 /yr.

Shows Zip Code: 60638 lowest rates with discounts applied on average.

For the 60638, 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.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$578 /yr.
Average Coverage:$828 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1128 /yr.

What is the average home insurance cost for a home in 60638?

  • • The average homeowners insurance premium paid annually for a home in 60638 is around $828 per year.

What does it cost on average per month for home insurance in 60638?

  • • Homeowners in 60638 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 60638?

  • • Autoowners in 60638 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Chicago area, check out other zip codes nearby 60638.
Review average rates in another zip code:
60652 homeowners insurance rates
60640 homeowners insurance rates
60657 homeowners insurance rates
60654 homeowners insurance rates
60613 homeowners insurance rates
60623 homeowners insurance rates
60637 homeowners insurance rates
60625 homeowners insurance rates
60639 homeowners insurance rates
60617 homeowners insurance rates

Home Replacement Cost Coverage in 60638

Average Building Cost Per Square Foot in 60638: $154

Location: Chicago, Illinois (Cook County)

Average Square Footage in 60638: 1,577 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 60638 before you start any project. Chicago homeowners pay on average around $154 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 60638 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 60638 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,577 sq. ft. and the average cost to rebuild the home in this area is around $154 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Chicago area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1541,577$242,800
Additional Upgrades & Added Features$1931,577$303,500
Major Home Updates or Advancements$2311,577$364,200

It's important to understand that when you estimate your replacement cost of your home in the 60638 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 60638

Best Home & Auto Insurance Agencies in 60638

Hmr/Insure 1 Independent

Address: 10730 S Cicero 6640 S Cicero Ave Bedford Park, IL 60638
Phone:
Website: http://www.insureone.com
Info:

Christopher Krezel-Farmers Insurance

Address: 6444 W Archer Ave Chicago, IL 60638
Phone:
Website: http://www.farmersagent.com/ckrezel/
Info:

Garcia, Magda J - Magda J Garcia Insurance

Address: 5995 S Archer Ave Chicago, IL 60638
Phone:
Website:
Info:

Joanne Krajci Ins Agency Inc

Address: 6165 S Archer Ave Chicago, IL 60638
Phone:
Website:
Info:

Murphy, Thomas P - State Farm Insurance Agent

Address: 6247 W 63rd St Chicago, IL 60638
Phone:
Website: http://www.statefarm.mqgroup.com/url.asp?usr=131877
Info:

Housing Demographics for 60638

Population Review for 60638 Zip Code

For the city of Chicago, the population within 60638 has increased to over 55,860 residents in population size. The current population total is 56,928. We have broken down the population based on race below. In 60638, there are over 28180 in male population and 28748 females.

PopulationValues
Total Population56,928
White Population27719
Black Population2168
Hispanic Population30764
Asian Population673
Hawaiian Population27
Indian Population1154
Other Population14175
Male Population28180
Female Population28748
Population Estimate55860

Household Data for 60638

The average number of homes in 60638 is around 20,322, there are an average of 2.80 per household. The average house value according to local real estate values is around $242,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode20,322
Persons Per Household2.80
Average House Value$242,800
Income Per Household$76258
Median Age39.1
Median Age Male37.9
Median Age Female40.2
60638 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code773/312/630/708/847
CityChicago
City Alias NameCHICAGO
CountyCook
County FIPS031
State FIPS17
Time Zone6
Day Light SavingY
MSA1602
PMSA1600
CSA176
CBSA16980
CBSA_DIV16984
CBSA_TypeMetro
CBSA_NameChicago-Naperville-Elgin, IL-IN
MSA_NameChicago-Gary-Kenosha, IL-IN-WI CMSA
PMSA_NameChicago, IL PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1229
Number Of Employees32696
Business First Quarter Payroll460093
Business Annual Payroll2009949
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population9461105
CBSA Division Population7147982
Congressional District04|06
Congressional LandArea52.45|378.78
Delivery Residential19950
Delivery Business1362
Delivery Total22530
Preferred Last Line KeyW12401
Classification Code
Multi-County
CSA NameChicago-Naperville, IL-IN-WI
CBSA_DIV_NameChicago-Naperville-Schaumburg, IL
City State KeyW12401
Land Area11.065000
Water Area0.014000
City Alias Code
City Mixed CaseChicago
City Alias Mixed CaseChicago
Box Count338
SFDU17061
MFDU2814
State ANSI17
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number161542
Unique ZIP Name
SSA State County Code14141
Medicare CBSA Code16984
Medicare CBSA NameChicago-Naperville-Evanston, IL
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCook

Illinois Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    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 […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    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 […]