Reading Insurance Rates:

Reading, PA home insurance is approximately $584 to $790, about $48-$65/month. Our extensive guide shows customers can save upto $274 by comparing many quotes

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Read Reading, Pennsylvania Homeowners Insurance reviews & compare quotes to get the best deal from the most trustworthy providers

Reading Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $250/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 2110 sqft Primary Residence Constructed In 1947 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

4 Beds, 4 Baths 2020 sqft Primary Residence Constructed In 1968 with Linoleum, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Swimming Pool, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $950/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Baths 4930 sqft Seasonal Residence Constructed In 1942 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

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

  • 600-649 Credit Score

Home Insurance Rate of $420/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2640 sqft Vacation Property Constructed In 1947 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $410/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Bath 1870 sqft Primary Residence Constructed In 1964 with Ceramic Tile Flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 2380 sqft Primary Residence Constructed In 1964 with Carpet over wood flooring, Tile Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $220/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $75,000

2 Beds, 2 Bath 1350 sqft Vacation Property Constructed In 1944 with Stone Flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Single Female who is Retired with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $490/12 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $185,000

5 Beds, 5 Baths 2820 sqft Vacation Property Constructed In 1944 with Wood Flooring, Tile Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $470/4 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $220,000

5 Beds, 5 Baths 2395 sqft Primary Residence Constructed In 1935 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

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

  • 650-699 Credit Score

  • Guests at home

Reading, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
19601 $70,700 $690
19604 $69,300 $690
19602 $51,500 $680
19605 $155,300 $730
19611 $114,500 $710

Reading Rates & Quotes Analysis:

Reading Area Estimated House Insurance
Culvert St, S 8th St, Master St, Kenny St, Scott St, Hewson St, Colston Ave, Little Grape St, Neversink Rd, Palm St$674
Speidel St, Carpenter St, Beaver St, Snyder St, Clymer St, Wool Aly, Hanley Pl, Cotton St, E Wyomissing Blvd, Budd Aly$683
Cartech Rd, Margaret St, Eckert Ave, W Windsor St, S 17 1/2 St, Cayuga Ct, Bartlett St, Hinnershitz St, Goodharts Ct, S 13th St$690
Clifton Ave, Rockland St, W Bern St, Warren St, Hickory St, S 18th St, Logan St, Haak St, Rockland St, Joan Ter$698
Spring Garden St, Neversink Aly, Warren St Byp, S 15th St, W Greenwich St, Liggett Ave, Gerry St, S 8th St, Wunder St, Miltimore St$673

Insurance rates are influenced by a number of factors including:

  • Year Built: 3,359 Homes (9% of total homes ) built between 1940 to 1949 in Reading are paying home insurance between $1,381-$1,391. Places close to Reading, PA such as West Reading, Mount Penn, Lower Alsace are more expensive by $46, $53, $70 respectively.
  • Bedrooms: 7,762 2 bedrooms homes (22% of total homes ) in Reading are paying about $475. Areas near to Reading such as West Reading, Mount Penn, Lower Alsace are costlier by $8, $12, $17 respectively.
  • Auto Insurance Bundling: 1,619 Households (12% of all households) in Reading have 3 or more vehicles available and when it is bundled with home insurance you can save $171. Discounts for similar bundling in close by locations such as West Reading, Mount Penn, Lower Alsace come to $177, $178, $180 respectively.
  • Senior Discounts: 5,444 seniors (more than 55 years) occupied housing units (40% of total) in Reading get discounts between $102 to $105. The comparative concessions in proximate regions such as West Reading, Mount Penn and Lower Alsace are $106, $107 and $108 respectively.
  • New Homes discounts: New homes such as the 5,488 homes built between 2000 to 2009 in Reading can save $137 and similar new home insurance discounts in nearby towns and cities like West Reading, Mount Penn and Lower Alsace are $142, $143 and $144 respectively.

Reading Homeowners insurance Facts

  • Reading, PA has 13,450 owner occupied houses which is 43.0% of all units whereas West Reading, Mount Penn and Lower Alsace have 62.8%, 71.36% and 75.22% respectively.
  • Reading, PA homeowners yearly insurance price at $687 is 1.0% of the typical house value of $68,500 which is in contrast with 0.58% in West Reading, 0.53% at Mount Penn & 0.47% in Lower Alsace.
  • Homeowners in Reading, PA pay 3.93% of their income ($15,000 to $19,999) in insurance whereas homeowners in West Reading, Mount Penn and Lower Alsace pay 4.06%, 4.09% and 4.13% respectively.
  • Reading, PA’s insurance is 5.9% of monthly housing costs of $978/month, for owners with a mortgage compared to 4.66% in West Reading, 4.67% at Mount Penn & 4.23% in Lower Alsace. But, for households without a mortgage, insurance is 13.7% of costs ($418 in Reading, PA) in contrast with 10.98% in West Reading, 10.89% at Mount Penn & 9.91% in Lower Alsace.

Reading, PA Home Values & Insurance rates

For example, insurance for 1,097 Homes (8.0% of total homes ) valued between $80,000 to $89,999 in Reading, PA is about $851.

Reading, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,805 28.0% $247
$50,000 to $59,999 1,379 10.0% $522
$60,000 to $69,999 1,809 13.0% $645
$70,000 to $79,999 1,183 8.0% $748
$80,000 to $89,999 1,097 8.0% $851
$90,000 to $99,999 589 4.0% $948
$100,000 to $124,999 1,219 9.0% $1099
$125,000 to $149,999 727 5.0% $1374
$150,000 to $174,999 579 4.0% $1628
$175,000 to $199,999 364 2.0% $1875
$200,000 to $249,999 326 2.0% $2260
$250,000 to $299,999 207 1.0% $2761

Renters Insurance in Reading

  • Average Renters Insurance in Reading :  $239($19/month)

  • Median Gross Rent in Reading :  $697

  • Reading Renters Insurance to Median Rent Ratio:  2.73%

  • Average household size of renter-occupied unit :  2.65

Reading Renters Insurance as a Percentage of Rent

Reading Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 675 3.0% $359
$200 to $299 1,228 7.0% $809
$300 to $499 1,880 10.0% $1259
$500 to $749 5,995 34.0% $1934
$750 to $999 4,668 26.0% $2684
$1,000 to $1,499 2,766 15.0% $3809

Rent Affordability in Reading:

Approximately 55.0% (9,854) of households are spending more than 35% of their income on gross rent in Reading

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,193 6.0%
15.0 to 19.9 percent 1,302 7.0%
20.0 to 24.9 percent 1,627 9.0%
25.0 to 29.9 percent 2,096 11.0%
30.0 to 34.9 percent 1,795 10.0%
35.0 percent or more 9,854 55.0%

Protective device discount in Reading Up to :  $35

Claims-free discount in Reading Up to :  $47