Mechanicsburg Insurance Rates:

Mechanicsburg, PA homeowners insurance is approximately $618 to $842, about $51-$70/month. Our exhaustive guide indicates shoppers can save as much as $292 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Mechanicsburg, PA Homeowners Insurance By Home Value

Mechanicsburg, PA Home Value Total Homes % of Total Average Mechanicsburg, PA Homeowners Insurance
Less than $50,000 30 1.0% $102
$90,000 to $99,999 48 2.0% $408
$100,000 to $124,999 418 17.0% $474
$125,000 to $149,999 284 11.0% $591
$150,000 to $174,999 520 21.0% $700
$175,000 to $199,999 484 20.0% $810
$200,000 to $249,999 361 15.0% $970
$250,000 to $299,999 162 6.0% $1189
$300,000 to $399,999 57 2.0% $1511

Top Home Insurance Agents Near Mechanicsburg, PA

Home Insurance Company Near Mechanicsburg, PA Homeowners Insurance Agency Near Mechanicsburg, PA Address
State Farm Gary Swanson 76 E Main Street, Waynesboro, PA, 17268-1634
Nationwide Theresa E Pabody 64 N Main St, Red Lion, PA, 17356
NA Donald C Rumbaugh 951 Carlisle St, Hanover, PA, 17331
Erie Apple Insurance Agency 511 Electric Avenue, Lewistown, PA, 17044
Liberty Mutual Independent Dale Mcguire Agency Po Box 10, Duncannon, PA, 17020

Cost Of Homeowners Insurance By Street Near Mechanicsburg, PA

Streets in Mechanicsburg Area Homeowners Insurance Cost
N Railroad Ave, Sharon Ave, S Filbert St, S Walnut St, Allendale Rd, S Chestnut St, W Maplewood Ave, N Race St, W Strawberry Ave, Maplewood Ave$724
Mumma Ave, Norway St, S Broad St, Glen St, Jenna Ct, Byers Ave, Mulberry Dr, W Schoolside Dr, S George St, N Walnut St$729
E Strawberry Aly, W Simpson St, N Frederick St, Apple Dr, W Woodland Dr, E Allen St, W Locust St, E Keller St, S Washington St, Baldwin St$720
Gross Dr, W Factory St, S Arch St, Kingswood Dr, E Factory St, Cedar Rd, Shepherdstown Rd, Lantzy Rd, Hamilton Ave, Edgewood Dr$716
N Chestnut St, Green Acres St, Cocklin St, State Rd, Memorial Park Dr, Somerset Dr, W Green St, Heinz St, N York St, Thomas Dr$721

Mechanicsburg, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Mechanicsburg$109 to $111
Upper Allen$111
Shiremanstown$108
Hampden$114

Mechanicsburg, 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
Upper Allen township, Cumberland County, Pennsylvania $93 $123 $185
Shiremanstown borough, Pennsylvania $91 $121 $181
Hampden township, Cumberland County, Pennsylvania $95 $127 $190

Mechanicsburg, 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
Mechanicsburg, PA4.3%11.6%
Upper Allen4.11%11.5%
Shiremanstown4.86%13.83%
Hampden3.6%11.47%

Mechanicsburg Renters Insurance as a Percentage of Rent

Mechanicsburg Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 144 9.0% $1237
$500 to $749 631 39.0% $1912
$750 to $999 498 31.0% $2662
$1,000 to $1,499 276 17.0% $3787
$1,500 or more 26 1.0% $5437

Mechanicsburg, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Mechanicsburg Homeowner Insurance Premium Example $1,900$1,400
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $10,000$8,500
Net Savings to Mechanicsburg Home Owner from High Deductible Plan $1,500

Mechanicsburg, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Mechanicsburg, PA Home Replacement Value MORE than Home Value Mechanicsburg, PA Home Replacement Value LESS than Home Value
Replacement Value $189,500 $127,500
Insurance Premium based on Replacement Value $1,075 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $24,000 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $150/year

Example Mechanicsburg Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateNationwide Insurance
Monthly Premium 1437839
Year Built 199819441988
Home Details 5 Beds, 3 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $400000-$500000$200000-$250000$100000-$125000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1994 205,000 Membrane Roof 2,470 4 $5000 to $10,000 Deductible 440 8 Stone Siding yes
1977 105,000 Tile Roof 1,180 2 $500- $1000 Deductible 200 7 Stone Siding yes
1974 130,000 Tile Roof 1,650 3 $500- $1000 Deductible 160 3 Stone Siding yes
1985 215,000 Shingles Roof 2,380 5 $500- $1000 Deductible 490 7 Fiber-Cement Siding yes
1963 150,000 Tile Roof 1,550 5 $1000-$2500 Deductible 370 10 Stucco siding yes
1970 155,000 Slate Shingles Roof 1,710 5 $500- $1000 Deductible 490 8 Vinyl siding No
1988 200,000 Wood Shake Roof 2,270 4 $5000 to $10,000 Deductible 60 1 Stucco siding No
1974 180,000 Asphalt Shingles Roof 2,220 3 $2500-$5000 Deductible 350 6 Stone Siding yes
1991 155,000 Wood Shake Roof 1,620 2 $500- $1000 Deductible 90 2 Fiber-Cement Siding yes
1965 100,000 Shingles Roof 1,060 2 $500 Deductible 60 1 Vinyl siding yes
1962 120,000 Asphalt Shingles Roof 1,280 2 $500 Deductible 140 3 Brick siding yes
1994 140,000 Composition Roof 1,240 2 $500 Deductible 90 2 Stucco siding No
1969 365,000 Membrane Roof 3,220 5 $1000-$2500 Deductible 480 3 Stone Siding yes
1960 135,000 Composition Roof 1,550 2 $1000-$2500 Deductible 540 12 Vinyl siding yes
1944 205,000 Wood Shake Roof 2,210 3 > $10,000 Deductible 220 7 Fiber-Cement Siding yes
1986 100,000 Asphalt Shingles Roof 960 2 $500- $1000 Deductible 360 9 Stone Siding No
1967 225,000 Metal Roof 1,970 4 $500 Deductible 840 10 Stone Siding No
1977 270,000 Shingles Roof 2,270 4 $500- $1000 Deductible 180 2 Wood siding No
1944 165,000 Tile Roof 1,890 5 $1000-$2500 Deductible 690 9 Vinyl siding yes
1975 215,000 Asphalt Shingles Roof 2,650 4 $2500-$5000 Deductible 690 10 Stucco siding yes
1943 160,000 Membrane Roof 1,690 2 $1000-$2500 Deductible 670 12 Brick siding No
1970 100,000 Metal Roof 1,000 2 $500- $1000 Deductible 350 7 Fiber-Cement Siding yes
1974 315,000 Slate Shingles Roof 2,660 4 $5000 to $10,000 Deductible 640 7 Wood siding No
1984 125,000 Metal Roof 1,410 3 $2500-$5000 Deductible 270 7 Stucco siding No
1979 325,000 Tile Roof 3,810 5 $500 Deductible 1060 8 Stucco siding No
1972 150,000 Asphalt Shingles Roof 1,690 2 $2500-$5000 Deductible 370 6 Fiber-Cement Siding No
1994 155,000 Composition Roof 1,850 4 $2500-$5000 Deductible 280 9 Wood siding yes
1943 220,000 Metal Roof 2,020 3 > $10,000 Deductible 410 7 Brick siding No
1943 500,000 Slate Shingles Roof 4,230 5 $500 Deductible 380 2 Vinyl siding No
1995 210,000 Tile Roof 2,660 4 $500 Deductible 230 3 Stucco siding yes
1994 140,000 Composition Roof 1,400 3 $1000-$2500 Deductible 100 2 Wood siding yes
1972 210,000 Asphalt Shingles Roof 2,560 4 $1000-$2500 Deductible 770 12 Vinyl siding No