Homeowner Insurance Costs in Winnebago County, IL

How much does homeowner insurance cost in Winnebago County? Here's what to expect.

Est. Annual Premium

$807

Monthly Cost

$67

Median Home Value

$146,800

% of Income

1.3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$146,800
Personal Property (C)$73,400
Liability (E)$300,000
Deductible$1,468

Cost Context

Homeownership Rate65.7%
Median Income$61,738
Property Tax Rate2.6%
Population284,591

About Insurance in Winnebago County

Homeowner insurance in Winnebago County, Illinois costs an estimated $807 per year for a median-value home of $146,800. This represents approximately 1.3% of the median household income of $61,738.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Illinois

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.