Lancaster Insurance Rates:

Lancaster, PA homeowners insurance is about $595 to $808, about $49-$67/month. Our thorough analysis shows customers can save upto $280 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I like the low price i got compared to other home insurance quotes. i also like that my policy given by state farm covers natural disasters such as fire, storm damage, etc. it even covers loss by theft! i also like the ease of access to renewal and policy information in general
Allstate
I don't like that my homeowners insurance companies rates go up every single year. and that my deductible is 1500 dollars, no way i could afford to lower it. i had about 900 worth of damage and couldn't file a claim.
Mutual Benefit Group
I have had a relatively positive experience with that company over the past year. i like that my home insurance company is local and that my home insurance company has an agent that i can call at any time of day or night if an issue arises.
State Farm
The website is modern and fresh. It is easy to navigate to whatever I am looking for on the website. The information is organized.
Progressive
In general there is very little I dislike about Progressive, however, we have never had a claim for homeowners so I do worry if a big event happened to the house with significant damage that they may hesitate to pay the entire claim.

Lancaster, PA Homeowners Insurance By Home Value

Lancaster, PA Home Value Total Homes % of Total Average Lancaster, PA Homeowners Insurance
Less than $50,000 408 4.0% $168
$50,000 to $59,999 492 5.0% $358
$60,000 to $69,999 767 7.0% $442
$70,000 to $79,999 883 9.0% $512
$80,000 to $89,999 1,278 13.0% $575
$90,000 to $99,999 934 9.0% $645
$100,000 to $124,999 1,733 17.0% $751
$125,000 to $149,999 1,068 10.0% $940
$150,000 to $174,999 716 7.0% $1109
$175,000 to $199,999 487 5.0% $1277
$200,000 to $249,999 468 4.0% $1537
$250,000 to $299,999 308 3.0% $1881
$300,000 to $399,999 172 1.0% $2393

Top Home Insurance Agents Near Lancaster, PA

Home Insurance Company Near Lancaster, PA Homeowners Insurance Agency Near Lancaster, PA Address
NA Torri Insurance Agency Llc 314 Westbriar Dr Media, Middletown Township, PA, 19063
Travelers Joseph H Tyson & Co Inc WILLIAM PENN BUILDING 109 CHESLEY DRIVE, MEDIA, PA, 19063
Travelers National Home & Auto Insurance Agency Llc 11350 Mccormick Rd 11350 Mccormick Rd , Hunt Valley, MD, 21031
Erie Redmer Insurance Group Llc 7630 Belair Road, Baltimore, MD, 21236
Allstate S. Lee Heffernan 808 Valley Forge Rd, Phoenixville, PA, 19460

Cost Of Homeowners Insurance By Street Near Lancaster, PA

Streets in Lancaster Area Homeowners Insurance Cost
Woodcrest Dr, E Clay St, Holbrook Ave, Hollinger Rd, Woodfield Xing, Arcadia Rd, N Jefferson St, Nassau Rd, Petersburg Rd, Rozet Ave$763
W Marion St, Flory Mill Rd, Dunmore Dr, N Mary St, Mallard Ave, Charter Ln, Plymouth Ave, Golf Rd, Hornig Rd, S Eastland Dr$745
Washington Ave, Juniata St, Stayman Dr, Hamilton Rd, Natures Way, W Strawberry St, Waters Edge Dr, Prentis Pl, Katie Ln, Hemlock Dr$765
Colonial Village Ln, Lyndell Dr, Clemens Cir, McGrann Blvd, Manheim Pike, N Mary St, Rockland St, Walter Ave, Faith Dr, Norwick Rd$755
Virginia Ave, Sundra Ave, Lupine Cir, Pebblebrook Dr, Frances Ave, Willis Ln, Hager Aly, Seymour St, Wendover Way, Aaron Ln$745
E Madison St, Dunharrow Dr, Hostetter Ln, Boxwood Ln, Willow Street Pike S, Holly Pointe Cir, Houser Rd, Lee Ave, Regent Dr, Raleigh Rd$746
Crestmont Ave, Rockvale Rd, Divot Ct, Friendship Dr, Orchard Dr, Hebrank St, Morgan Dr, Pebbleside Ln, Mc Caskey Ave, Sue Ann Dr$746
Parkhill Rd, Hershey Ave, S Mulberry St, Emerald Dr, Sherry Ln, S Mary St, Sunrise Ave, Chelsea Loop, Olive St, Crest Ln$701
Furnace St, Prangley Ave, Clover Ave, Greenfield Rd, Milton Rd, Calvert Ln, Fox Hollow Dr, Windsor Ave, Edgemoor Ct, Chelsea Dr$728
Plaza Blvd, Manheim Pike, Tanglewood Ln, Mason Ct, Waterfront Dr, Deer Ford Dr, Glenn Rd, Fountain Ave, Lyndon Ave, Patriot Dr$738

Lancaster, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lancaster$105 to $107
Lancaster County$110
Manheim$113
Millersville$109

Lancaster, PA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lancaster County, Pennsylvania $110 $147 $221
Manheim township, Lancaster County, Pennsylvania $113 $151 $227
Millersville borough, Pennsylvania $110 $146 $219

Lancaster, PA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Lancaster, PA5.3%13.4%
Lancaster County4.13%11.8%
Manheim3.71%10.79%
Millersville4.25%12.99%

Lancaster Renters Insurance as a Percentage of Rent

Lancaster Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 195 1.0% $352
$200 to $299 481 3.0% $802
$300 to $499 1,360 11.0% $1252
$500 to $749 4,334 35.0% $1927
$750 to $999 3,617 29.0% $2677
$1,000 to $1,499 1,889 15.0% $3802
$1,500 or more 233 1.0% $5452

Lancaster, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$900$2,900
Yearly Lancaster Homeowner Insurance Premium Example $1,300$900
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,000$9,200
Net Savings to Lancaster Home Owner from High Deductible Plan $800

Lancaster, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lancaster, PA Home Replacement Value MORE than Home Value Lancaster, PA Home Replacement Value LESS than Home Value
Replacement Value $247,500 $185,000
Insurance Premium based on Replacement Value $1,025 $750
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $30,000 Risk Exposure from Under Insuring Coverage is $32,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $125/year

Example Lancaster Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmLiberty MutualGEICO Insurance
Monthly Premium 266920
Year Built 196719411962
Home Details 3 Beds, 2 Baths5 Beds, 3 Baths2 Beds, 1 Baths
Coverage Amount $50000-$75000$200000-$250000$50000-$75000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Lancaster, PA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 305,000 Asphalt Shingles Roof 4,650 5 $2500-$5000 Deductible 1200 12 Vinyl siding No
1949 80,000 Membrane Roof 1,300 2 $500- $1000 Deductible 160 4 Vinyl siding No
1948 285,000 Asphalt Shingles Roof 4,230 5 $500- $1000 Deductible 480 5 Brick siding yes
1966 140,000 Metal Roof 2,050 4 $2500-$5000 Deductible 370 9 Stone Siding No
1945 145,000 Metal Roof 1,930 5 $1000-$2500 Deductible 220 5 Stone Siding yes
1941 120,000 Composition Roof 1,780 3 $500- $1000 Deductible 530 10 Brick siding yes
1948 350,000 Slate Shingles Roof 4,440 5 $2500-$5000 Deductible 1490 10 Fiber-Cement Siding No
1946 180,000 Slate Shingles Roof 3,190 5 $5000 to $10,000 Deductible 400 7 Wood siding yes
1948 150,000 Shingles Roof 1,750 3 $2500-$5000 Deductible 100 3 Brick siding No
1946 90,000 Metal Roof 1,570 2 $500- $1000 Deductible 130 4 Wood siding No
1968 100,000 Metal Roof 1,480 3 $500- $1000 Deductible 200 6 Vinyl siding yes
1969 95,000 Composition Roof 1,520 3 $500- $1000 Deductible 500 10 Brick siding yes
1944 160,000 Tile Roof 2,150 3 $1000-$2500 Deductible 420 10 Stucco siding yes
1969 95,000 Metal Roof 1,170 2 $2500-$5000 Deductible 200 7 Stucco siding No
1942 105,000 Wood Shake Roof 1,640 5 $2500-$5000 Deductible 140 4 Brick siding No
1960 100,000 Tile Roof 1,370 3 $500 Deductible 160 5 Wood siding No
1963 85,000 Wood Shake Roof 1,110 2 $2500-$5000 Deductible 250 10 Fiber-Cement Siding yes
1947 100,000 Slate Shingles Roof 1,420 2 $500- $1000 Deductible 430 9 Vinyl siding yes