Allentown ,PA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Allentown, PA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Allentown, PA is $1129. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Allentown, PA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Allentown, PA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $452 |
| $200,000 | $768 |
| $300,000 | $948 |
| $400,000 | $1,445 |
| $500,000 | $1,818 |
Home insurance costs in Allentown can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 018104 | $1,130 |
| 18103 | $1,094 |
| 18101 | $1,050 |
| 18102 | $1,050 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Allentown, PA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,158 |
| $1000 Deductible | $1,035 |
| $1500 Deductible | $977 |
| $2500 Deductible | $881 |
| $5000 Deductible | $745 |
| Home Insurance Company Near Allentown, PA | Homeowners Insurance Agency Near Allentown, PA | Address |
|---|---|---|
| NA | Warren G. Reiner, Inc. - Clinton | 28 Center St, Clinton, NJ, 8809 |
| NA | The Wright Agency | 1142 Horseshoe Pike 1142 Horseshoe Pike Downingtown, West Brandywine Township, PA, 19335 |
| State Farm | Bryan Frey | 3553 Rhoads Ave, Newtown Sq, PA, 19073-3616 |
| Travelers | Garland Insurance Agency Llc | 2516 EASTON AVENUE, BETHLEHEM, PA, 18017 |
| Farmers | Tadas Brusokas | 2813 Philmont Ave, Huntingdon Valley, PA, 19006 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Dorneyville CDP, Pennsylvania | $96 | $127 | $191 |
| Fullerton CDP, Pennsylvania | $92 | $123 | $184 |
| Salisbury township, Lehigh County, Pennsylvania | $94 | $125 | $187 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Allentown, PA | 4.5% | 12.4% |
| Dorneyville | 3.35% | 9.85% |
| Fullerton | 4.29% | 12.55% |
| Salisbury | 3.82% | 10.47% |
| Allentown Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 578 | 2.0% | $344 |
| $200 to $299 | 887 | 4.0% | $794 |
| $300 to $499 | 1,538 | 7.0% | $1244 |
| $500 to $749 | 4,348 | 20.0% | $1919 |
| $750 to $999 | 7,775 | 35.0% | $2669 |
| $1,000 to $1,499 | 5,662 | 26.0% | $3794 |
| $1,500 or more | 815 | 3.0% | $5444 |
| Streets in Allentown Area | Homeowners Insurance Cost |
|---|---|
| N Berks St, S Brown St, Mack Blvd, E Kurtz St, S Francis St, Blue Heron Dr, Donald St, Quartz St, N Jay St, N Grape St | $707 |
| Susquehanna St, Hanover Ave, N Reed St, S Carbon St, Vine St, Onyx St, Sherwood Ct, S Plum St, Basin St, E Pittston St | $716 |
| N 6th St Exd, Lanze Rd, S Gate St, Post St, N Niles St, S Leh St, S May St, N Ruhr St, E Jeans St, S 25th St | $739 |
| Dorset Ct N, N Charlotte St, N Jay St, N Catherine St, Barber St, Arcadia Ave, E Green St, E Clay St, S Roy St, E Elm St | $764 |
| N Hays St, Marks St, American Pkwy, N West St, N Randolph St, Type St, N Leh St, N Knapp St, W Auburn St, S Alice St | $713 |
| E Carrot St, N Dent St, N William St, State Rte 2055, S Elizabeth St, N 15th St, N 25th St, E Keats St, Dorset S, N Leh St | $765 |
| E Pine St, N Bryan St, Barner St, S Carldon St, N 27th St, Menges Ave, Catalina Ave, S Franklin St, Benner Rd, Sesqui St | $763 |
| W Federal St, N Ralph St, W Pine St, Warren St, S Meyer St, S Jute St, Jackson St, W Devonshire Rd, N 36th Ct, E St | $717 |
| Bus Park Ln, N West St, College Dr, Rhonda Ln, E Cedar St, Sage St, S St Lucas St, S Jute St, Aster St, S Crest Ave | $738 |
| Lynn St, Parkside Ct, Dent St, N Beaver St, Crest Ave, N Bradford St, Primrose Dr, Sandstone St, W Tremont St, T846 | $707 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Allentown | $107 to $109 |
| Dorneyville | $115 |
| Fullerton | $110 |
| Salisbury | $112 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $4,500 |
| Yearly Allentown Homeowner Insurance Premium Example | $2,400 | $1,900 |
| Out of Pocket Expense During Claim | $1,500 | $4,500 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $20,700 | $19,700 |
| Net Savings to Allentown Home Owner from High Deductible Plan | $1,000 | |
| Scenario | Allentown, PA Home Replacement Value MORE than Home Value | Allentown, PA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $176,000 | $126,500 |
| Insurance Premium based on Replacement Value | $1,000 | $725 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $19,000 | Risk Exposure from Under Insuring Coverage is $30,500 |
| Premium Impact | Insurance cheaper by $175/year | Insurance costlier by $100/year |
| Insurance Company | State Farm | Farmers Insurance | Nationwide Insurance |
| Monthly Premium | 56 | 72 | 35 |
| Year Built | 1960 | 1978 | 1946 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $150000-$175000 | $175000-$200000 | $150000-$175000 |
| Deductible | $500- $1000 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |