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62544 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 62544 zip code it's important to know that our rates are very competitive for homeowners living in Macon, IL. Many homeowners based out of your 62544 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Illinois licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 62544 should appear in the zip code field ready to go. For Macon, IL Homeowners Insurance Quotes nearby, we offer the best rates and service.

62544: Average Home Insurance Rates

For homeowners living in the great city of Macon, the average homeowners policy is considered medium in comparison to other states. Illinois premiums are estimated to be around $839 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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62544 Home Insurance Average Premiums

Local 62544 homeowners insurance quotes comparison

$589 /yr.

Shows Zip Code: 62544 lowest rates with discounts applied on average.

For the 62544, 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)		$589 /yr.
Average Coverage:$839 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1139 /yr.

What is the average home insurance cost for a home in 62544?

  • • The average homeowners insurance premium paid annually for a home in 62544 is around $839 per year.

What does it cost on average per month for home insurance in 62544?

  • • Homeowners in 62544 pay a monthly average cost per month around $70.00.

What kind of discount could I get if I combine my home and auto insurance together in 62544?

  • • Autoowners in 62544 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 Macon, check out other zip codes nearby 62544.
To review average rates in another zip code, click on a zip code below:
62544  | 

Home Replacement Cost Coverage in 62544

Average Building Cost Per Square Foot in 62544: $154

Location: Macon, Illinois (Macon County)

Average Square Footage in 62544: 799 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62544 before you start any project. Macon 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 62544 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 62544 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 799 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 Macon 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$154799$123,000
Additional Upgrades & Added Features$193799$153,750
Major Home Updates or Advancements$231799$184,500

It's important to understand that when you estimate your replacement cost of your home in the 62544 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 62544

Best Home & Auto Insurance Agencies in 62544

Housing Demographics for 62544

Population Review for 62544 Zip Code

For the city of Macon, the population within 62544 has increased to over 1,507 residents in population size. The current population total is 1,795. We have broken down the population based on race below. In 62544, there are over 860 in male population and 935 females.

PopulationValues
Total Population1,795
White Population1732
Black Population8
Hispanic Population28
Asian Population0
Hawaiian Population0
Indian Population1
Other Population8
Male Population860
Female Population935
Population Estimate1507

Household Data for 62544

The average number of homes in 62544 is around 719, there are an average of 2.46 per household. The average house value according to local real estate values is around $123,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode719
Persons Per Household2.46
Average House Value$123,000
Income Per Household$70197
Median Age45.1
Median Age Male46.1
Median Age Female44.8
62544 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code217
CityMacon
City Alias NameMACON
CountyMacon
County FIPS115
State FIPS17
Time Zone6
Day Light SavingY
MSA2040
PMSA
CSA
CBSA19500
CBSA_DIV
CBSA_TypeMetro
CBSA_NameDecatur, IL
MSA_NameDecatur, IL MSA
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses35
Number Of Employees187
Business First Quarter Payroll1643
Business Annual Payroll6646
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population110768
CBSA Division Population0
Congressional District15
Congressional LandArea14695.67
Delivery Residential613
Delivery Business15
Delivery Total811
Preferred Last Line KeyW13792
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyW13792
Land Area68.040000
Water Area0.000000
City Alias Code
City Mixed CaseMacon
City Alias Mixed CaseMacon
Box Count153
SFDU590
MFDU0
State ANSI17
County ANSI115
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number164728
Unique ZIP Name
SSA State County Code14660
Medicare CBSA Code19500
Medicare CBSA NameDecatur, IL
Medicare CBSA TypeMetro
Market Rating Area ID10
County Mixed CaseMacon

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 […]