York Insurance Rates:

York, PA home insurance is approximately $589 to $797, about $49-$66/month. Our exhaustive research shows customers can save upto $277 by comparing multiple quotes

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York Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $50/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 2920 sqft Seasonal Residence Constructed In 1955 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $380/5 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2990 sqft Primary Residence Constructed In 1957 with Carpet over wood flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Swimming Pool, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $210/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

3 Beds, 3 Baths 2080 sqft Rental Property Constructed In 1968 with Carpet over wood flooring, Composition Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $330/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1250 sqft Primary Residence Constructed In 1949 with Hardwood Flooring, Composition Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Male who is Unemployed and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $530/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 3760 sqft Seasonal Residence Constructed In 1956 with Carpet over wood flooring, Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $100/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1410 sqft Primary Residence Constructed In 1961 with Hardwood Flooring, Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $160/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $275,000

5 Beds, 5 Baths 4030 sqft Vacation Property Constructed In 1958 with Linoleum, Metal Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $210/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1550 sqft Seasonal Residence Constructed In 1949 with Carpet Flooring, Tile Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Male who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $20/1 month for $50000-$75000 Coverage
Policy Holder Home Details :

Home Value : $65,000

3 Beds, 3 Bath 1260 sqft Vacation Property Constructed In 1968 with Stone Flooring, Metal Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who is Retired and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $400/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 2940 sqft Seasonal Residence Constructed In 1964 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $670/4 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $350,000

5 Beds, 5 Baths 4175 sqft Rental Property Constructed In 1935 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

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

  • 550-599 Credit Score

York, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
17401 $68,100 $690
17403 $152,800 $730

York Rates & Quotes Analysis:

York Area Estimated House Insurance
Green St, E Springettsbury Ave, N Harrison St, Glen Pl, Smith St, N State St, Wheaton St, Rose Ave, S Hartman St, Stevens Ave$718
Texas Ave, Saint Paul St, Butler Ave, Arden Ave, E Church Ave, Murray Pl, Beer Ave, Columbia Ave, Lindberg Ave, Columbia Ave$683
W Gay Ave, Wheatfield St, Fairmont Pl, Fairlane Dr, Creston Rd, Mill Ln, Harding Ct, Kelly Dr, S Lehman St, Vander Ave$691
Village Rd, Loucks Pl, School Pl, W Newton Ave, Manor St, N Albemarle St, Donnelly St, Loucks Mill Rd, Wayne Ave, Grantley St$684
W North St, N West St, N Lee St, Miller Ln, Local Way, N Cherry Ln, Arch St, Maine Ave, Leeds Rd, Grantley St$690

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,005 Homes (48% of total) built between 1939 or earlier in York are paying home insurance between $1,484-$1,494 and differs from North York (+$17), Spring Garden (+$81), Grantley (+$180), New Market (-$44) and Heidlersburg (-$29).
  • Bedrooms: 6,390 3 bedrooms homes (35% of total homes ) in York are paying about $596 and varies from North York (+$7), Spring Garden (+$40), Grantley (+$73), Heidlersburg (-$11) and Manchester(MD) (-$192).
  • Auto Insurance Bundling: 2,541 Households (37% of all households) in York have 2 vehicles available and when it is bundled with home insurance you can save $138 and differs from North York ($140), Spring Garden ($146), Grantley ($155).
  • Senior Discounts: 3,136 seniors (more than 55 years) occupied housing units (45% of total) in York get discounts between $103 to $106 and varies from North York ($105), Spring Garden ($109), Grantley ($116).
  • New Homes discounts: New homes such as the 3,467 homes built between 2000 to 2009 in York can save $138 in contrast with North York ($140), Spring Garden ($146), Grantley ($155).

York Homeowners insurance Facts

  • York, PA has 6,829 owner occupied houses which is 42.3% of all units whereas North York, Spring Garden and Grantley have 54.67%, 89.35% and 91.38% respectively.
  • York, PA homeowners yearly insurance price at $693 is 0.83% of the typical house value of $83,300 which is in contrast with 0.69% in North York, 0.42% at Spring Garden & 0.28% in Grantley.
  • Homeowners in York, PA pay 1.21% of their income ($45,000 to $49,999) in insurance whereas homeowners in North York, Spring Garden and Grantley pay 1.22%, 1.27% and 1.35% respectively.
  • York, PA’s insurance is 5.6% of monthly housing costs of $1,039/month, for owners with a mortgage compared to 5.92% in North York, 3.94% at Spring Garden & 3.73% in Grantley. But, for households without a mortgage, insurance is 12.0% of costs ($480 in York, PA) in contrast with 15.83% in North York, 9.78% at Spring Garden & 8.4% in Grantley.

York, PA Home Values & Insurance rates

For example, insurance for 678 Homes (10.0% of total homes ) valued between $90,000 to $99,999 in York, PA is about $790.

York, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,254 18.0% $207
$50,000 to $59,999 440 6.0% $436
$60,000 to $69,999 761 11.0% $540
$70,000 to $79,999 674 10.0% $623
$80,000 to $89,999 870 12.0% $706
$90,000 to $99,999 678 10.0% $790
$100,000 to $124,999 1,022 15.0% $914
$125,000 to $149,999 534 7.0% $1143
$150,000 to $174,999 132 1.0% $1351
$175,000 to $199,999 146 2.0% $1559
$200,000 to $249,999 129 1.0% $1871

Renters Insurance in York

  • Average Renters Insurance in York :  $227($18/month)

  • Median Gross Rent in York :  $684

  • York Renters Insurance to Median Rent Ratio:  2.63%

  • Average household size of renter-occupied unit :  2.73

York Renters Insurance as a Percentage of Rent

York Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 273 3.0% $356
$200 to $299 664 7.0% $806
$300 to $499 1,183 13.0% $1256
$500 to $749 3,367 37.0% $1931
$750 to $999 2,089 22.0% $2681
$1,000 to $1,499 1,385 15.0% $3806
$1,500 or more 138 1.0% $5456

Rent Affordability in York:

Approximately 53.0% (4,958) of households are spending more than 35% of their income on gross rent in York

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 889 9.0%
15.0 to 19.9 percent 896 9.0%
20.0 to 24.9 percent 811 8.0%
25.0 to 29.9 percent 1,063 11.0%
30.0 to 34.9 percent 709 7.0%
35.0 percent or more 4,958 53.0%

York Renters Insurance Discounts:

York Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in York, PA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 3,775 40.0% $22.7
2 vehicles available 1,343 14.0% $34.05
3 or more vehicles available 477 5.0% $45.4

York Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 511 5.0% $68
60 to 64 years 674 7.0% $54
65 to 74 years 481 5.0% $44
75 years and over 612 6.0% $34

Protective device discount in York Up to :  $34

Claims-free discount in York Up to :  $45