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61451 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 61451 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Laura, IL quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 61451.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 61451 and start shopping.

Quickly and Easily Compare Average Rates for 61451

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

Average Policy Rates in 61451

Homeowners in Laura are paying roughly $875 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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61451 Home Insurance Average Premiums

Local 61451 homeowners insurance quotes comparison

$625 /yr.

Shows Zip Code: 61451 lowest rates with discounts applied on average.

For the 61451, 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)		$625 /yr.
Average Coverage:$875 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1175 /yr.

What is the average home insurance cost for a home in 61451?

  • • The average homeowners insurance premium paid annually for a home in 61451 is around $875 per year.

What does it cost on average per month for home insurance in 61451?

  • • Homeowners in 61451 pay a monthly average cost per month around $73.00.

What kind of discount could I get if I combine my home and auto insurance together in 61451?

  • • Autoowners in 61451 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.

You can easily shop and compare home insurance rates within Laura, check out other zip codes nearby 61451.
To review average rates in another zip code, click on a zip code below:
61451  | 

Home Replacement Cost Coverage in 61451

Average Building Cost Per Square Foot in 61451: $154

Location: Laura, Illinois (Peoria County)

Average Square Footage in 61451: 686 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 61451 before you start any project. Laura 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 61451 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 61451 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 686 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 Laura 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$154686$105,700
Additional Upgrades & Added Features$193686$132,125
Major Home Updates or Advancements$231686$158,550

It's important to understand that when you estimate your replacement cost of your home in the 61451 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 61451

Best Home & Auto Insurance Agencies in 61451

Housing Demographics for 61451

Population Review for 61451 Zip Code

For the city of Laura, the population within 61451 has increased to over 240 residents in population size. The current population total is 305. We have broken down the population based on race below. In 61451, there are over 159 in male population and 146 females.

PopulationValues
Total Population305
White Population281
Black Population2
Hispanic Population6
Asian Population2
Hawaiian Population0
Indian Population1
Other Population4
Male Population159
Female Population146
Population Estimate240

Household Data for 61451

The average number of homes in 61451 is around 139, there are an average of 2.19 per household. The average house value according to local real estate values is around $105,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode139
Persons Per Household2.19
Average House Value$105,700
Income Per Household$0
Median Age50.8
Median Age Male49.3
Median Age Female52.5
61451 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code309
CityLaura
City Alias NameLAURA
CountyPeoria
County FIPS143
State FIPS17
Time Zone6
Day Light SavingY
MSA6120
PMSA
CSA427
CBSA37900
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePeoria, IL
MSA_NamePeoria-Pekin, IL MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees23
Business First Quarter Payroll208
Business Annual Payroll918
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population379186
CBSA Division Population0
Congressional District16
Congressional LandArea7917.49
Delivery Residential110
Delivery Business1
Delivery Total148
Preferred Last Line KeyW13645
Classification Code
Multi-CountyY
CSA NamePeoria-Canton, IL
CBSA_DIV_Name
City State KeyW13645
Land Area21.441000
Water Area0.106000
City Alias Code
City Mixed CaseLaura
City Alias Mixed CaseLaura
Box Count33
SFDU110
MFDU0
State ANSI17
County ANSI143
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number164362
Unique ZIP Name
SSA State County Code14800
Medicare CBSA Code37900
Medicare CBSA NamePeoria, IL
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CasePeoria

Illinois Homeowners Insurance News & Information

  • Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025

    According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

  • Affordable Home Insurance Is Getting Very Hard to Find Posted on Tuesday 6th May, 2025

    According to a recent ValuePenguin study, homeowners are having a harder time finding affordable insurance due to the property insurance crisis spreading around the country.  The report found that a shocking two-thirds of homeowners have seen premium increases in 2024. Another 25% of homeowners said they were dropped by their insurance company which is a […]

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]