Harrisburg Insurance Rates:

Harrisburg, PA home insurance is nearly $590 to $800, about $49-$66/month. Our all inclusive analysis indicates shoppers can save as much as $278 by comparing many quotes

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Harrisburg Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Nationwide Insurance
Home Insurance Rate of $170/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Baths 2340 sqft Rental Property Constructed In 1962 with Wood Flooring, Composition Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Married Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/7 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $55,000

2 Beds, 2 Bath 930 sqft Rental Property Constructed In 1969 with Carpet over wood flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/6 months for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

2 Beds, 2 Bath 1030 sqft Vacation Property Constructed In 1960 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $380/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1920 sqft Seasonal Residence Constructed In 1942 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

46 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $190/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

4 Beds, 4 Baths 2030 sqft Rental Property Constructed In 1952 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

59 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

  • Seniors staying at home

Home Insurance Rate of $160/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

5 Beds, 5 Bath 1680 sqft Seasonal Residence Constructed In 1948 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Copper Water Pipes, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 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 :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $500/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 2650 sqft Primary Residence Constructed In 1967 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $370/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $280,000

5 Beds, 5 Baths 4410 sqft Seasonal Residence Constructed In 1951 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Single Male who is Retired with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $130/5 months for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $100,000

2 Beds, 2 Bath 1610 sqft Primary Residence Constructed In 1932 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Harrisburg, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
17104 $77,400 $690
17112 $192,100 $750
17110 $155,800 $730
17102 $134,300 $720
17101 $118,900 $720

Harrisburg Rates & Quotes Analysis:

Harrisburg Area Estimated House Insurance
Concert Dr, Wayne St, Gilmer Aly, Granite St, Honey St, Shamokin St, Nectarine St, Shrub St, Hanover St, N 13th St$689
Crabapple St, Cloverly Rd, Sycamore St, Helen St, Juniper St, Ruby St, Primrose St, Crum Aly, Keystone Plz, Lawton St$683
Thompson St, Sayford St, Midland Rd, Getz St, Traffic Safety, Kline Aly, Radnor St, Flinton St, Adams Aly, Home St$733
Dunkle St, Muench St, Antoine St, Hill St, Edgewood Dr, S 18th St, Mc Cleaster St, Berryhill St, Woodlawn St, Woodbine St$693
Charles Aly, Naudain St, Cranberry St, Radnor St, Yale St, Eugene Aly, Hillside Village, Brook St, Health and Welfare Bld, Mary St$686

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,798 Homes (10% of total) built between 1940 to 1949 in Harrisburg are paying home insurance between $1,396-$1,407 and varies from Wormleysburg (+$55), West Fairview (+$18), Penbrook (+$21), New Market (-$43) and Lykens (-$14).
  • Bedrooms: 6,074 2 bedrooms homes (25% of total homes ) in Harrisburg are paying about $480 and varies from Wormleysburg (+$12), Lemoyne (+$9), Progress (+$13), Steelton (-$8) and Highspire (-$6).
  • Auto Insurance Bundling: 3,043 Households (36% of all households) in Harrisburg have 2 vehicles available and when it is bundled with home insurance you can save $139. Discounts for similar bundling in close by locations such as Wormleysburg, West Fairview, Penbrook come to $144, $140, $141 respectively.
  • Senior Discounts: 4,145 seniors (more than 55 years) occupied housing units (49% of total) in Harrisburg get discounts between $104 to $106. The comparative concessions in proximate regions such as Wormleysburg, West Fairview and Lemoyne are $108, $105 and $107 respectively.
  • New Homes discounts: New homes such as the 4,627 homes built between 2000 to 2009 in Harrisburg can save $139 and similar new home insurance discounts in nearby towns and cities like Wormleysburg, West Fairview and Penbrook are $144, $140 and $141 respectively.

Harrisburg Homeowners insurance Facts

  • Harrisburg, PA has 8,395 owner occupied houses which is 40.2% of all units whereas Wormleysburg, West Fairview and Penbrook have 37.11%, 62.3% and 51.69% respectively.
  • Harrisburg, PA homeowners yearly insurance price at $695 is 0.8% of the typical house value of $87,200 which is in contrast with 0.47% in Wormleysburg, 0.64% at West Fairview & 0.63% in Penbrook.
  • Homeowners in Harrisburg, PA pay 1.21% of their income ($45,000 to $49,999) in insurance whereas homeowners in Wormleysburg, West Fairview and Penbrook pay 1.26%, 1.22% and 1.23% respectively.
  • Harrisburg, PA’s insurance is 5.4% of monthly housing costs of $1,079/month, for owners with a mortgage compared to 4.41% in Wormleysburg, 5.01% at West Fairview & 4.33% in Penbrook. But, for households without a mortgage, insurance is 11.9% of costs ($488 in Harrisburg, PA) in contrast with 11.95% in Wormleysburg, 14.81% at West Fairview & 12.44% in Penbrook.

Harrisburg, PA Home Values & Insurance rates

For example, insurance for 579 Homes (6.0% of total homes ) valued between $150,000 to $174,999 in Harrisburg, PA is about $1,292. Rates in nearby areas in such as Wormleysburg, West Fairview, Penbrook are cheaper by $526, $251, $276 respectively while Steelton and York Haven are costlier by $5 and $92 respectively for similar homes.

Harrisburg, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,111 13.0% $194
$50,000 to $59,999 551 6.0% $417
$60,000 to $69,999 1,034 12.0% $514
$70,000 to $79,999 866 10.0% $597
$80,000 to $89,999 882 10.0% $674
$90,000 to $99,999 540 6.0% $750
$100,000 to $124,999 1,070 12.0% $875
$125,000 to $149,999 589 7.0% $1091
$150,000 to $174,999 579 6.0% $1292
$175,000 to $199,999 366 4.0% $1494
$200,000 to $249,999 499 5.0% $1793
$250,000 to $299,999 134 1.0% $2189
$300,000 to $399,999 127 1.0% $2786

Renters Insurance in Harrisburg

  • Average Renters Insurance in Harrisburg :  $222($18/month)

  • Median Gross Rent in Harrisburg :  $755

  • Harrisburg Renters Insurance to Median Rent Ratio:  2.38%

  • Renter occupied housing units in Harrisburg :  12,509

Harrisburg Renters Insurance as a Percentage of Rent

Harrisburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 706 5.0% $355
$200 to $299 732 6.0% $805
$300 to $499 1,202 9.0% $1255
$500 to $749 3,354 27.0% $1930
$750 to $999 3,538 29.0% $2680
$1,000 to $1,499 2,403 19.0% $3805
$1,500 or more 216 1.0% $5455

Rent Affordability in Harrisburg:

Approximately 48.0% (6,097) of households are spending more than 35% of their income on gross rent in Harrisburg

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,213 9.0%
15.0 to 19.9 percent 1,347 10.0%
20.0 to 24.9 percent 1,527 12.0%
25.0 to 29.9 percent 1,087 8.0%
30.0 to 34.9 percent 1,238 9.0%
35.0 percent or more 6,097 48.0%

Protective device discount in Harrisburg Up to :  $33

Claims-free discount in Harrisburg Up to :  $44