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62908 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 62908 zip code it's important to know that our rates are very competitive for homeowners living in Belknap, IL. Many homeowners based out of your 62908 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 62908 should appear in the zip code field ready to go. For Belknap, IL Homeowners Insurance Quotes nearby, we offer the best rates and service.

62908: Average Home Insurance Rates

For homeowners living in the great city of Belknap, the average homeowners policy is considered medium in comparison to other states. Illinois premiums are estimated to be around $860 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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62908 Home Insurance Average Premiums

Local 62908 homeowners insurance quotes comparison

$610 /yr.

Shows Zip Code: 62908 lowest rates with discounts applied on average.

For the 62908, 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)		$610 /yr.
Average Coverage:$860 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1160 /yr.

What is the average home insurance cost for a home in 62908?

  • • The average homeowners insurance premium paid annually for a home in 62908 is around $860 per year.

What does it cost on average per month for home insurance in 62908?

  • • Homeowners in 62908 pay a monthly average cost per month around $72.00.

What kind of discount could I get if I combine my home and auto insurance together in 62908?

  • • Autoowners in 62908 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 Belknap, check out other zip codes nearby 62908.
To review average rates in another zip code, click on a zip code below:
62908  | 

Home Replacement Cost Coverage in 62908

Average Building Cost Per Square Foot in 62908: $154

Location: Belknap, Illinois (Massac County)

Average Square Footage in 62908: 573 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 62908 before you start any project. Belknap 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 62908 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 62908 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 573 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 Belknap 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$154573$88,300
Additional Upgrades & Added Features$193573$110,375
Major Home Updates or Advancements$231573$132,450

It's important to understand that when you estimate your replacement cost of your home in the 62908 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 62908

Best Home & Auto Insurance Agencies in 62908

Housing Demographics for 62908

Population Review for 62908 Zip Code

For the city of Belknap, the population within 62908 has increased to over 461 residents in population size. The current population total is 454. We have broken down the population based on race below. In 62908, there are over 253 in male population and 201 females.

PopulationValues
Total Population454
White Population424
Black Population5
Hispanic Population4
Asian Population0
Hawaiian Population1
Indian Population1
Other Population2
Male Population253
Female Population201
Population Estimate461

Household Data for 62908

The average number of homes in 62908 is around 190, there are an average of 2.39 per household. The average house value according to local real estate values is around $88,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode190
Persons Per Household2.39
Average House Value$88,300
Income Per Household$72250
Median Age50.7
Median Age Male51.6
Median Age Female47.3
62908 DetailsValues
StateIL
State Full NameIllinois
City TypeP
City Alias Abbreviation
Area Code618
CityBelknap
City Alias NameBELKNAP
CountyMassac
County FIPS127
State FIPS17
Time Zone6
Day Light SavingY
MSA
PMSA
CSA424
CBSA37140
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePaducah, KY-IL
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees8
Business First Quarter Payroll60
Business Annual Payroll402
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population98762
CBSA Division Population0
Congressional District12
Congressional LandArea5008.21
Delivery Residential193
Delivery Business7
Delivery Total215
Preferred Last Line KeyW12020
Classification Code
Multi-CountyY
CSA NamePaducah-Mayfield, KY-IL
CBSA_DIV_Name
City State KeyW12020
Land Area49.883000
Water Area0.900000
City Alias Code
City Mixed CaseBelknap
City Alias Mixed CaseBelknap
Box Count11
SFDU193
MFDU0
State ANSI17
County ANSI127
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number160594
Unique ZIP Name
SSA State County Code14720
Medicare CBSA Code99914
Medicare CBSA NameRural Areas in IL
Medicare CBSA TypeMicro
Market Rating Area ID13
County Mixed CaseMassac

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 […]