Luzerne Insurance Rates:

Luzerne, PA homeowners insurance is approximately $582 to $796, about $48-$66/month. Our extensive analysis shows customers can save upto $275 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Luzerne, PA Homeowners Insurance By Home Value

Luzerne, PA Home Value Total Homes % of Total Average Luzerne, PA Homeowners Insurance
Less than $50,000 453 30.0% $234
$50,000 to $59,999 85 5.0% $489
$60,000 to $69,999 181 12.0% $606
$70,000 to $79,999 139 9.0% $702
$80,000 to $89,999 149 10.0% $792
$90,000 to $99,999 82 5.0% $888
$100,000 to $124,999 114 7.0% $1033
$125,000 to $149,999 46 3.0% $1288
$150,000 to $174,999 65 4.0% $1522
$175,000 to $199,999 35 2.0% $1756
$200,000 to $249,999 20 1.0% $2115
$250,000 to $299,999 113 7.0% $2583

Top Home Insurance Agents Near Luzerne, PA

Home Insurance Company Near Luzerne, PA Homeowners Insurance Agency Near Luzerne, PA Address
Allstate Brian Schnopp 411 Oakland St, Morgantown, WV, 26505
Erie Casto Insurance Agency 1900 Painters Run Road, Pittsburgh, PA, 15241
Nationwide David A. Koontz 5701 Steubenville Pike, McKees Rocks, PA, 15136-1310
Travelers Fayette Insurance Associates Inc 313 MORGANTOWN RD, UNIONTOWN, PA, 15401
Travelers Peter J Zikos Insurance Agency Llc 2 CHATHAM CTR STE 1060, PITTSBURGH, PA, 15219

Cost Of Homeowners Insurance By Street Near Luzerne, PA

Streets in Luzerne Area Homeowners Insurance Cost
T994, Crawford Ave, T601, T951, T314, Keeney Row, T374, Creek Rd, Quaker Ln, Thompson 2 Rd$687
T565, T934, E Riverside Rd, Roberts Rd, T710, T316, T392A, Masney Ln, T612, T395$686
Lewis St Exd, Circle 3, Stoney Creek Rd, T653, T639, Allison Ave, Glenn Ln, T567, T377, T651$689
Hiller Ave, Knox Rd, T376, T659, Heistersburg Rd, T303, T317, Maxwell Ave, 5th Ave Exd, Keeny Row$684
Krepps Ln, Palmer-Porter Ln, Isabella Rd, Fayette Ave, Steel St, T400, Labelle Rd, T946, Rocky Run Rd, T973$686

Luzerne, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Luzerne$102 to $104
Crucible$106
Hiller$103
Republic$101

Luzerne, 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
Crucible CDP, Pennsylvania $89 $118 $177
Hiller CDP, Pennsylvania $87 $115 $173
Republic CDP, Pennsylvania $85 $113 $169

Luzerne, 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
Luzerne, PA7.6%16.3%
Crucible5.59%15.23%
Hiller6.73%17.29%
Republic7.18%14.71%

Luzerne Renters Insurance as a Percentage of Rent

Luzerne Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 62 41.0% $808
$500 to $749 86 58.0% $1933

Luzerne, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Luzerne Homeowner Insurance Premium Example $900$700
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,000$8,400
Net Savings to Luzerne Home Owner from High Deductible Plan $600

Luzerne, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Luzerne, PA Home Replacement Value MORE than Home Value Luzerne, PA Home Replacement Value LESS than Home Value
Replacement Value $91,000 $52,000
Insurance Premium based on Replacement Value $375 $225
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,000 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $50/year

Example Luzerne Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmFarmers InsuranceAllstate
Monthly Premium 316070
Year Built 196419901947
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$200000-$250000$150000-$175000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1955 95,000 Slate Shingles Roof 1,600 4 $500- $1000 Deductible 100 3 Vinyl siding No
1952 125,000 Wood Shake Roof 1,820 3 $500- $1000 Deductible 510 9 Vinyl siding No
1991 175,000 Tile Roof 3,280 5 $2500-$5000 Deductible 220 4 Stucco siding No
1993 155,000 Shingles Roof 2,630 4 $2500-$5000 Deductible 50 1 Fiber-Cement Siding yes
1948 270,000 Asphalt Shingles Roof 4,540 5 $2500-$5000 Deductible 940 10 Fiber-Cement Siding No
1994 130,000 Tile Roof 2,650 5 $500 Deductible 140 2 Fiber-Cement Siding No
1998 75,000 Composition Roof 1,230 3 $500- $1000 Deductible 190 6 Stone Siding No
1947 235,000 Metal Roof 3,580 5 $500- $1000 Deductible 230 3 Brick siding No
1989 165,000 Metal Roof 2,350 3 $2500-$5000 Deductible 180 3 Fiber-Cement Siding No
1988 85,000 Membrane Roof 1,520 3 $2500-$5000 Deductible 140 8 Stucco siding No
1994 90,000 Tile Roof 1,800 5 $2500-$5000 Deductible 30 1 Brick siding No
1987 215,000 Membrane Roof 3,090 4 $500 Deductible 700 9 Stucco siding No
1998 110,000 Wood Shake Roof 2,120 3 $1000-$2500 Deductible 490 10 Brick siding No
1989 85,000 Metal Roof 1,730 5 $2500-$5000 Deductible 140 6 Wood siding No
1958 150,000 Asphalt Shingles Roof 2,250 5 $1000-$2500 Deductible 430 9 Stucco siding No
1960 75,000 Composition Roof 1,630 4 $1000-$2500 Deductible 90 3 Brick siding yes
1946 195,000 Shingles Roof 2,840 5 $1000-$2500 Deductible 460 9 Stone Siding yes
1964 160,000 Slate Shingles Roof 2,220 3 $1000-$2500 Deductible 250 5 Stucco siding yes
1996 110,000 Membrane Roof 2,170 4 $2500-$5000 Deductible 220 10 Brick siding yes
1959 80,000 Shingles Roof 1,540 5 $2500-$5000 Deductible 160 5 Wood siding yes
1942 90,000 Asphalt Shingles Roof 1,280 3 $500- $1000 Deductible 30 1 Stucco siding yes
1983 110,000 Shingles Roof 2,130 4 $1000-$2500 Deductible 210 5 Fiber-Cement Siding yes
1981 210,000 Shingles Roof 3,160 5 > $10,000 Deductible 270 6 Stucco siding No
1993 130,000 Membrane Roof 1,990 4 $2500-$5000 Deductible 170 3 Stucco siding No
1988 275,000 Asphalt Shingles Roof 3,920 5 $500 Deductible 800 8 Stucco siding No
1964 150,000 Membrane Roof 2,670 4 $500 Deductible 240 4 Brick siding No
1941 130,000 Composition Roof 2,360 4 $1000-$2500 Deductible 70 2 Vinyl siding No
1945 150,000 Composition Roof 2,310 4 $2500-$5000 Deductible 330 7 Vinyl siding yes
1943 230,000 Shingles Roof 3,290 4 > $10,000 Deductible 50 1 Vinyl siding No
1987 130,000 Metal Roof 2,110 4 $1000-$2500 Deductible 530 12 Vinyl siding No
1947 200,000 Shingles Roof 2,970 4 $500- $1000 Deductible 160 2 Stucco siding No
1940 300,000 Metal Roof 4,210 5 $500- $1000 Deductible 1740 12 Stone Siding No
1999 65,000 Shingles Roof 1,320 3 $500 Deductible 70 3 Wood siding yes
1956 355,000 Asphalt Shingles Roof 4,990 5 > $10,000 Deductible 590 7 Stucco siding No