Northampton, PA Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings 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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Northampton, PA | 2.8% | 8.3% |
| Churchville | 2.47% | 8.85% |
| Richboro | 2.56% | 8.48% |
| Village Shires | 3.37% | 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 Deductible | High 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 Insurance | GEICO Insurance | Farmers Insurance |
| Monthly Premium | 58 | 112 | 153 |
| Year Built | 1984 | 2000 | 1978 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 3 Baths | 5 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
AllstateI 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.
Allstateoff the top of my head AllState deductible's are number one in home insurance thankfully haven't had to use it yet.
Farmer's InsuranceMy 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 FarmCalling 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.
AllstateI 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 InsuranceIf I dislike the company I would not use them pretty simple.
State FarmMy 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 MutualI'm very satisfied with my insurance company, everything has been very good and had absolutely no problems
ProgressiveAt 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 InsuranceIt's hard to get ahold of anyone and I always have to call. I do not like speaking on the phone.
ProgressiveIt'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.