Jefferson Insurance Rates:

Jefferson, PA home insurance is about $615 to $840, about $51-$70/month. Our in depth analysis indicates shoppers can save upto $290 by getting different quotes

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Jefferson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $740/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $190,000

2 Beds, 2 Bath 1690 sqft Vacation Property Constructed In 1941 with Stone Flooring, Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

57 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $70/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $130,000

2 Beds, 2 Bath 1170 sqft Rental Property Constructed In 1998 with Stone Flooring, Composition Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $480/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Bath 2340 sqft Seasonal Residence Constructed In 2012 with Stone Flooring, Metal Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $310/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 1610 sqft Primary Residence Constructed In 1949 with Carpet Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 2370 sqft Rental Property Constructed In 1993 with Ceramic Tile Flooring, Membrane Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Fireplace, Swimming Pool, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Female who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $320/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $230,000

5 Beds, 5 Baths 2560 sqft Seasonal Residence Constructed In 2005 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $180/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1380 sqft Seasonal Residence Constructed In 2008 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Female who has a Full Time Job with household income of more than $150,000 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 $460/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1570 sqft Vacation Property Constructed In 1997 with Linoleum, Tile Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

71 Years old Divorced Male who is Retired and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $60/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 1550 sqft Primary Residence Constructed In 1991 with Linoleum, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1640 sqft Primary Residence Constructed In 2006 with Linoleum, Composition Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Single Female who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Jefferson, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
15344 $74,400 $690

Jefferson Rates & Quotes Analysis:

Jefferson Area Estimated House Insurance
Martin Ln, Durango Ln, State Rte 2007, T577, Boulder Ln, Keck Rd, T556, T571, Caldwell Dr, Ohara Rd$731
Alwine Rd, Crider Ln, E Water St, Riemer Rd, Lamont Ln, T565, Becker Rd, Great Belt Rd, Ferraro Ln, Douglas Dr$724
W Red Oak Ct, Dinnerbell Rd, Nursery Ln, Janice Ln, Hunter Ln, Red Oak W, McCalip Farm Ln, Rockdale Rd, Dreher Rd, Red Oak Dr$729
Patterson Rd, Gengler Ln, Bonniebrook Rd, Bullcreek Rd, Hamme Ln, Nowicki Ln, Azelea Ln, Alana Dr, Knoch Rd, T581$730
Heller Rd, Driftwood Dr, Berrywood Ln, Frazier Rd, Hays Ln, Trinity Ln, T677, Old Farm Ln, T810, Kayla Ln$726

Insurance rates are influenced by a number of factors including:

  • Year Built: 341 Homes (15% of total homes ) built between 1939 or earlier in Jefferson are paying home insurance between $1,555-$1,565. Places close to Jefferson, PA such as Nixon, Shanor-Northvue, Adams are more expensive by $35, $19, $144 respectively while Meadowood and Winfield are cheaper by $29 and $11 respectively for similar homes.
  • Bedrooms: 429 4 bedrooms homes (19% of total homes ) in Jefferson are paying about $937 and varies from Oak Hills (+$3), Nixon (+$22), Shanor-Northvue (+$13), Saxonburg (-$4) and Meadowood (-$15).
  • Auto Insurance Bundling: 502 Households (29% of all households) in Jefferson have 3 or more vehicles available and when it is bundled with home insurance you can save $181 in contrast with Saxonburg ($181), Meadowood ($178), Winfield ($180).
  • Senior Discounts: 897 seniors (more than 55 years) occupied housing units (52% of total) in Jefferson get discounts between $108 to $111 compared to Saxonburg ($108), Meadowood ($107), Oak Hills ($109).
  • New Homes discounts: New homes such as the 894 homes built between 2000 to 2009 in Jefferson can save $145 compared to Saxonburg ($144), Meadowood ($143), Winfield ($144).

Jefferson Homeowners insurance Facts

  • Jefferson, PA has 1,704 owner occupied houses which is 79.9% of all units whereas Saxonburg, Meadowood and Winfield have 59.07%, 93.91% and 76.21% respectively.
  • Jefferson, PA homeowners yearly insurance price at $727 is 0.45% of the typical house value of $162,900 which is in contrast with 0.46% in Saxonburg, 0.53% at Meadowood & 0.48% in Winfield.
  • Homeowners in Jefferson, PA pay 14.54% of their income (Less than $10,000) in insurance whereas homeowners in Saxonburg, Meadowood and Winfield pay 14.48%, 14.3% and 14.46% respectively.
  • Jefferson, PA’s insurance is 4.5% of monthly housing costs of $1,355/month, for owners with a mortgage compared to 5.21% in Saxonburg, 5.29% at Meadowood & 4.54% in Winfield. But, for households without a mortgage, insurance is 15.6% of costs ($389 in Jefferson, PA) in contrast with 13.59% in Saxonburg, 13.21% at Meadowood & 17.46% in Winfield.

Jefferson, PA Home Values & Insurance rates

For example, insurance for 228 Homes (14.0% of total homes ) valued between Less than $50,000 in Jefferson, PA is about $109. Rates in nearby areas in such as Nixon, Shanor-Northvue, Butler County are cheaper by $20, $14, $7 respectively while Saxonburg and Meadowood are costlier by $6 and $19 respectively for similar homes.

Jefferson, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 228 14.0% $109
$50,000 to $59,999 62 3.0% $232
$60,000 to $69,999 44 2.0% $283
$70,000 to $79,999 39 2.0% $334
$80,000 to $89,999 55 3.0% $378
$90,000 to $99,999 50 3.0% $421
$100,000 to $124,999 123 7.0% $487
$125,000 to $149,999 99 6.0% $610
$150,000 to $174,999 294 18.0% $719
$175,000 to $199,999 47 2.0% $836
$200,000 to $249,999 305 18.0% $1003
$250,000 to $299,999 164 10.0% $1228
$300,000 to $399,999 110 6.0% $1555

Renters Insurance in Jefferson

  • Average Renters Insurance in Jefferson :  $156($13/month)

  • Median Gross Rent in Jefferson :  $788

  • Jefferson Renters Insurance to Median Rent Ratio:  1.65%

  • Average household size of renter-occupied unit :  2.08

Jefferson Renters Insurance as a Percentage of Rent

Jefferson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 17 4.0% $789
$300 to $499 29 7.0% $1239
$500 to $749 63 16.0% $1914
$750 to $999 178 47.0% $2664
$1,000 to $1,499 55 14.0% $3789
$1,500 or more 29 7.0% $5439

Protective device discount in Jefferson Up to :  $23

Claims-free discount in Jefferson Up to :  $31