Northampton Insurance Rates:

Northampton, PA homeowners insurance is about $703 to $958, about $58-$79/month. Our thorough analysis indicates shoppers can save as much as $332 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Find the best Cost of Homeowners Insurance in Northampton, PA

Home insurance is one of the most important types of insurance for Northampton, PA, residents to have. It helps protect your home and belongings in a fire, theft, or other disaster. Home insurance can also help to cover the cost of repairs or replacement if your home is damaged or destroyed. There are a few things to keep in mind when shopping for home insurance in Northampton, PA:

1. Make sure to get quotes from several different insurers. This will help you to get the best rate possible.

2. Read the policy carefully to understand what is and is not covered.

3. Make sure to review your policy periodically to make sure that it still meets your needs.

The average cost of home insurance in Northampton, PA, is $817. The following are a few factors in Northampton, PA, that affect the cost of home insurance.

Cost of Insurance Based on the Deductibles in Northampton, PA

As you can see, the cost of your home insurance policy can vary depending on your chosen deductible. Consider increasing your deductible if you want to save money on your premium. However, you should only do this if you are comfortable with paying more out of pocket in case of a claim. The deductible is the amount of money you will be responsible for paying out of pocket in case of a claim. The higher the deductible, the lower the premium. Consider Northampton, Pennsylvania. Homeowners with deductibles of $1500 and $2500 pay $687 and $587 in premiums, respectively—however, homeowners who pay a 500 or 1000-dollar deductible pay $807 and $730, respectively.

Cost of Insurance Based on the Safety Features in Northampton, PA

The cost of home insurance in Northampton, PA, is based on the home's safety features. The more safety features the home has, the lower the insurance cost. Some safety features considered include fire alarms, smoke detectors, sprinkler systems, and deadbolt locks. Homes with these safety features are less likely to have a fire or be broken into, so the insurance companies charge less for the insurance. Homes with deadbolts pay $703 on home insurance in Columbia, MO.

Cost of Insurance Based on the Materials Used in Northampton, PA

The material's longer lifespans increase the durability of a home. Homeowners are advised to utilize genuine and long-lasting materials like clay brick, concrete, a hail-resistant roof, etc. Your homeowner's insurance in Columbia, Northampton, PA, will be much cheaper as a result. For instance, in Northampton, Pennsylvania, homeowners who chose to use fire-resistant brick or masonry pay $727 and $776 in insurance, respectively.

Northampton, PA Homeowners Insurance By Home Value

Northampton, PA Home Value Total Homes % of Total Average Northampton, PA Homeowners Insurance
Less than $50,000 136 2.0% $49
$100,000 to $124,999 87 1.0% $224
$125,000 to $149,999 103 1.0% $282
$150,000 to $174,999 199 3.0% $332
$175,000 to $199,999 203 3.0% $382
$200,000 to $249,999 829 13.0% $457
$250,000 to $299,999 938 15.0% $565
$300,000 to $399,999 3,621 58.0% $714

Top Home Insurance Agents Near Northampton, PA

Home Insurance Company Near Northampton, PA Homeowners Insurance Agency Near Northampton, PA Address
NA Robert L. Smyrl, Inc. 3339 Unionville Pike Po Box 442 Hatfield, Hatfield Township, PA, 19440
NA Willis Of Delaware 300 Delaware Avenue 300 Delaware Avenue, Wilmington, DE, 19801
State Farm Audrey Jankucic 1130 route 202s, Raritan, NJ, 8869
Nationwide Bartlett Jeff Agency Inc 129 W Lancaster Ave, Downingtown, PA, 19335-2564
Erie C D Baker Insurance Inc. 404 Dublin Pike Suite 1, Dublin, PA, 18917

Northampton, PA Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Northampton, PA

Streets in Northampton Area Homeowners Insurance Cost
Sugartree Rd, Boxwood Rd, Drexel Dr, Bridgestone Rd, Vermeer Ct, Pennlyn Rd, Ashley Dr, N Kitty Knight Dr, Revere Dr, Saint Leonards Rd$837
E Elizabeth Ln, Barley Rd, Windy Knoll Dr, Johanna Dr, Peach Blossom Ln, Par Dr, Upland Dr, Rolling Hills Dr, Fir Dr, Buck Hill Dr$837
Randolph Ct, Farmhouse Ln, High Point Dr, Pheasant Dr, Longview Dr, Firewood Dr, E Heron Rd, Mulberry Dr, Springwood Pl, White Hurst Dr$841
Casey Rd, Rohiwee Rd, Cottonwood Dr, Overlook Dr, Yerkes Dr, Gelder Dr, Railroad Dr, Friesland Dr, Mustang Ct, Matthew Cir$851
W Pickering Bend, Wood Dr, W Julianna Dr, Jennifer Ln, Rising Sun Ave, Old Hickory Dr, N 2nd Street Pike, Brentwood Pl, Driscoll Dr, Gambrel Ct$838

Northampton, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Northampton$124 to $127
Churchville$126
Village Shires$119
Upper Southampton$120

Northampton, 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
Churchville CDP, Pennsylvania $127 $169 $254
Richboro CDP, Pennsylvania $126 $168 $252
Village Shires CDP, Pennsylvania $119 $159 $239

Northampton, 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
Northampton, PA2.8%8.3%
Churchville2.47%8.85%
Richboro2.56%8.48%
Village Shires3.37%8.8%

Northampton Renters Insurance as a Percentage of Rent

Northampton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 53 5.0% $1860
$750 to $999 102 9.0% $2610
$1,000 to $1,499 444 42.0% $3735
$1,500 or more 443 42.0% $5385

Northampton, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Northampton Homeowner Insurance Premium Example $2,300$1,800
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim $7,900$7,400
Net Savings to Northampton Home Owner from High Deductible Plan $500

Northampton, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Northampton, PA Home Replacement Value MORE than Home Value Northampton, PA Home Replacement Value LESS than Home Value
Replacement Value $552,000 $372,500
Insurance Premium based on Replacement Value $2,425 $1,650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $65,500 Risk Exposure from Under Insuring Coverage is $114,000
Premium Impact Insurance cheaper by $500/year Insurance costlier by $275/year

Example Northampton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceGEICO InsuranceFarmers Insurance
Monthly Premium 58112153
Year Built 198420001978
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $200000-$250000$300000-$350000$400000-$500000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 295,000 Metal Roof 1,590 3 $1000-$2500 Deductible 1040 8 Wood siding yes
1975 395,000 Composition Roof 2,170 3 > $10,000 Deductible 1450 12 Vinyl siding No
2004 335,000 Wood Shake Roof 1,660 5 $500- $1000 Deductible 410 3 Fiber-Cement Siding yes
1973 985,000 Slate Shingles Roof 4,360 5 $500 Deductible 3480 9 Stucco siding No
1979 655,000 Asphalt Shingles Roof 2,780 5 $500- $1000 Deductible 2820 9 Stucco siding yes
1985 550,000 Asphalt Shingles Roof 2,950 4 $2500-$5000 Deductible 710 5 Stone Siding yes
2008 730,000 Metal Roof 3,330 4 $500- $1000 Deductible 760 3 Vinyl siding yes
1986 350,000 Wood Shake Roof 1,590 3 > $10,000 Deductible 760 9 Stone Siding yes
1972 705,000 Slate Shingles Roof 3,060 5 $5000 to $10,000 Deductible 1360 10 Stucco siding yes
1973 675,000 Metal Roof 3,140 4 $500- $1000 Deductible 1610 7 Stucco siding No
1976 705,000 Asphalt Shingles Roof 2,970 4 $500 Deductible 2930 9 Fiber-Cement Siding yes
1981 355,000 Composition Roof 1,670 4 > $10,000 Deductible 140 2 Brick siding No
1971 570,000 Tile Roof 2,410 5 $2500-$5000 Deductible 1700 9 Vinyl siding yes
1980 380,000 Slate Shingles Roof 2,020 4 $500- $1000 Deductible 950 7 Fiber-Cement Siding No
1985 470,000 Asphalt Shingles Roof 2,470 5 $500- $1000 Deductible 780 5 Stucco siding No
1984 435,000 Tile Roof 2,490 4 $500- $1000 Deductible 1240 5 Vinyl siding yes
1989 725,000 Membrane Roof 3,560 5 $2500-$5000 Deductible 820 4 Vinyl siding yes
1983 235,000 Shingles Roof 1,290 3 $1000-$2500 Deductible 410 7 Fiber-Cement Siding yes
1973 600,000 Wood Shake Roof 2,510 4 $500- $1000 Deductible 240 1 Stone Siding yes
1990 610,000 Composition Roof 2,970 5 $500 Deductible 1220 5 Vinyl siding yes
1974 630,000 Slate Shingles Roof 3,340 5 > $10,000 Deductible 1920 9 Vinyl siding yes
1984 405,000 Tile Roof 2,260 4 $500 Deductible 1190 6 Stone Siding yes
2006 415,000 Metal Roof 2,530 5 $5000 to $10,000 Deductible 1000 10 Brick siding No
2009 660,000 Slate Shingles Roof 3,290 5 $5000 to $10,000 Deductible 1810 12 Stucco siding No
1983 545,000 Asphalt Shingles Roof 3,050 4 $2500-$5000 Deductible 420 3 Wood siding yes
1984 235,000 Shingles Roof 1,340 3 $2500-$5000 Deductible 150 2 Wood siding yes
1989 340,000 Membrane Roof 1,460 3 > $10,000 Deductible 250 3 Vinyl siding No
2008 560,000 Tile Roof 3,300 5 $500 Deductible 2270 9 Stone Siding yes
1990 1,000,000 Shingles Roof 4,530 5 $1000-$2500 Deductible 4140 12 Brick siding No
1996 675,000 Wood Shake Roof 3,270 4 $1000-$2500 Deductible 2430 9 Fiber-Cement Siding yes
2005 285,000 Metal Roof 1,670 3 $500 Deductible 310 2 Wood siding yes
1981 340,000 Membrane Roof 2,150 3 $2500-$5000 Deductible 590 6 Fiber-Cement Siding No
1997 420,000 Metal Roof 2,020 4 $5000 to $10,000 Deductible 140 1 Stone Siding No

Latest Home Insurance Reviews

Allstate
I would recommend it because I known about this company for a lot of years and it is a company that I can trust. I think that knowing a company, my personal experience.
Allstate
off the top of my head AllState deductible's are number one in home insurance thankfully haven't had to use it yet.
Farmer's Insurance
My current agent is very friendly and stays in touch with me by sending postcards and christmas cards. he has always been available whenever i have needed a question answered or some paperwork for whatever reason
State Farm
Calling into normal customer service is impersonal and wait times can be long. csr's often don't know your policy or seems like they are guessing at certain things.
Allstate
I like that my local allstate agency has several representatives who are willing and able to answer questions during business hours. one even helped me once with a mix up when the appraiser was a bit late getting to my house. it's nice to have local "real people" with names and faces instead of just an overseas call center.
Amica Mutual Insurance
If I dislike the company I would not use them pretty simple.
State Farm
My home insurance company has excellent communication. There are always people available to speak with, and most of the time it is just the same person- my agent.
Liberty Mutual
I'm very satisfied with my insurance company, everything has been very good and had absolutely no problems
Progressive
At the time I was looking for coverage this company gave me the best deal, with the most coverage for the lowest price, when also bundled with my car insurance. Therefore, this was the company that made the most sense to go with.
Erie Insurance
It's hard to get ahold of anyone and I always have to call. I do not like speaking on the phone.
Progressive
It's a manageable premium for month-to-month payment. However, the only thing I wish this company offered that others did was the opportunity to pay the entire annual premium at once.

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