Butler Insurance Rates:

Butler, PA home insurance is roughly $612 to $830, about $51-$69/month. Our extensive analysis reveals consumers can save as much as $288 by getting different quotes

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Butler Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $420/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1290 sqft Rental Property Constructed In 1952 with Hardwood Flooring, Composition Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $220/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Bath 3210 sqft Primary Residence Constructed In 1948 with Linoleum, Metal Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $260/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

5 Beds, 5 Bath 3240 sqft Vacation Property Constructed In 1984 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1840 sqft Primary Residence Constructed In 1962 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $80/2 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Baths 2290 sqft Rental Property Constructed In 1973 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Home Insurance Rate of $670/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Bath 3280 sqft Vacation Property Constructed In 1961 with Carpet Flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $670/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 3380 sqft Rental Property Constructed In 1974 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $260/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Bath 1640 sqft Vacation Property Constructed In 1955 with Carpet Flooring, Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

5 Beds, 5 Bath 2080 sqft Vacation Property Constructed In 1979 with Linoleum, Shingles Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Indoor Sprinklers, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Male who has a Full Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $350/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $145,000

3 Beds, 3 Bath 1720 sqft Vacation Property Constructed In 1976 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

32 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Butler, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
16002 $164,300 $740

Butler Rates & Quotes Analysis:

Butler Area Estimated House Insurance
Fontana St, Wintergreen Dr, Woodlawn Rd, Deshon Ct, N Magnolia Dr, Barracks Rd, Overlook Rd, Penn Ave, Oakland Ave, N Chesapeake St$728
Beverly Way, Winterwood Dr, Malwood Dr, Bessemer Ave, Doral Dr, Plateau St, Campus Ln, Steelton Ave, Benbrook Pl, Dutchtown Rd$726
Preston Dr, Clayton Ave, Longview Dr, Maple Grove Dr, Zeigler Ave, Willow Wood Dr, Sarra Ln, Fairlane Dr, Limberg St, Autumn Dr$729
Cecelia Ave, Bean St, Scotland Ave, Pearl St, N Eberhart Rd, W Patterson Ave, S Benbrook Rd, Austin Ave, Beverly Rd, Colonial Ave$707
Moraine Pointe Plz, Grayrigg Dr, Amsterdam Rd, E Muntz Ave, Trottingwood Cir, Oakhurst Dr, Beech Rd, Hopewell Ave, Ritter Ave, Hindman Rd$732

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,199 Homes (15% of total homes ) built between 1960 to 1969 in Butler are paying home insurance between $1,262-$1,273. Places close to Butler, PA such as Meridian, Oak Hills, Shanor-Northvue are more expensive by $12, $13, $27 respectively while Homeacre-Lyndora and Meadowood are cheaper by $13 and $12 respectively for similar homes.
  • Bedrooms: 4,128 3 bedrooms homes (53% of total homes ) in Butler are paying about $628 compared to Oak Hills (+$7), Shanor-Northvue (+$14), Nixon (+$12), Homeacre-Lyndora (-$6) and Meadowood (-$13).
  • Auto Insurance Bundling: 2,501 Households (43% of all households) in Butler have 2 vehicles available and when it is bundled with home insurance you can save $144. Discounts for similar bundling in close by locations such as Homeacre-Lyndora, Meridian, Meadowood come to $142, $145, $143 respectively.
  • Senior Discounts: 3,135 seniors (more than 55 years) occupied housing units (54% of total) in Butler get discounts between $107 to $110. The comparative concessions in proximate regions such as Homeacre-Lyndora, Meridian and Shanor-Northvue are $107, $109 and $110 respectively.
  • New Homes discounts: New homes such as the 2,684 homes built between 2000 to 2009 in Butler can save $144 and similar new home insurance discounts in nearby towns and cities like Homeacre-Lyndora, Meridian and Meadowood are $142, $145 and $143 respectively.

Butler Homeowners insurance Facts

  • Butler, PA has 5,743 owner occupied houses which is 79.4% of all units whereas Homeacre-Lyndora, Meridian and Meadowood have 71.34%, 93.31% and 93.91% respectively.
  • Butler, PA homeowners yearly insurance price at $721 is 0.48% of the typical house value of $148,800 which is in contrast with 0.54% in Homeacre-Lyndora, 0.44% at Meridian & 0.53% in Meadowood.
  • Homeowners in Butler, PA pay 1.25% of their income ($45,000 to $49,999) in insurance whereas homeowners in Homeacre-Lyndora, Meridian and Meadowood pay 1.24%, 1.27% and 1.24% respectively.
  • Butler, PA’s insurance is 4.9% of monthly housing costs of $1,234/month, for owners with a mortgage compared to 5.03% in Homeacre-Lyndora, 4.42% at Meridian & 5.29% in Meadowood. But, for households without a mortgage, insurance is 13.4% of costs ($447 in Butler, PA) in contrast with 13.97% in Homeacre-Lyndora, 13.07% at Meridian & 13.21% in Meadowood.

Butler, PA Home Values & Insurance rates

For example, insurance for 492 Homes (8.0% of total homes ) valued between $175,000 to $199,999 in Butler, PA is about $908. Rates in nearby areas in such as Meridian, Oak Hills, Shanor-Northvue are cheaper by $86, $99, $164 respectively while Homeacre-Lyndora and Meadowood are costlier by $105 and $71 respectively for similar homes.

Butler, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 289 5.0% $115
$60,000 to $69,999 126 2.0% $310
$70,000 to $79,999 219 3.0% $360
$80,000 to $89,999 315 5.0% $410
$90,000 to $99,999 344 6.0% $454
$100,000 to $124,999 666 11.0% $526
$125,000 to $149,999 912 16.0% $663
$150,000 to $174,999 1,148 20.0% $785
$175,000 to $199,999 492 8.0% $908
$200,000 to $249,999 450 8.0% $1088
$250,000 to $299,999 357 6.0% $1333
$300,000 to $399,999 208 3.0% $1694

Renters Insurance in Butler

  • Average Renters Insurance in Butler :  $168($14/month)

  • Median Gross Rent in Butler :  $699

  • Butler Renters Insurance to Median Rent Ratio:  2.0%

  • Renter occupied housing units in Butler :  1,493

Butler Renters Insurance as a Percentage of Rent

Butler Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 84 6.0% $342
$200 to $299 45 3.0% $792
$300 to $499 107 7.0% $1242
$500 to $749 574 42.0% $1917
$750 to $999 372 27.0% $2667
$1,000 to $1,499 151 11.0% $3792

Rent Affordability in Butler:

Approximately 39.0% (590) of households are spending more than 35% of their income on gross rent in Butler

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 197 13.0%
15.0 to 19.9 percent 147 9.0%
20.0 to 24.9 percent 270 18.0%
25.0 to 29.9 percent 139 9.0%
30.0 to 34.9 percent 150 10.0%
35.0 percent or more 590 39.0%

Protective device discount in Butler Up to :  $25

Claims-free discount in Butler Up to :  $33