Reading Insurance Rates:

Reading, PA homeowners insurance is approximately $584 to $790, about $48-$65/month. Our extensive guide shows customers can save upto $274 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Allstate
They do not provide me with definitive answers sometimes. everything always needs to be verified before they answer a question.
State Farm
After comparing rates online, which took quite a bit of time, i decided on state farm because they have the most reasonable rates for the most comprehensive coverage.
State Farm
They are very tough to get in touch with and are not the easiest people to call, let alone get in touch with via email or online messaging.
Erie Insurance
I'm paying half the amount of money for my insurance now than I was before. I had a great experience with my insurance agent and it was done quickly and efficiently.
State Farm
The communication is great. they are very helpful in so many ways, I Would go to them with all my insurance needs
Allstate
The premium is higher than l would like to pay but other insurance companies want even more money than mine does.
Liberty Mutual
I would recommend Liberty Mutual because of the good experience we had with them when we had to file a claim.
Grange Insurance
I am sticking with grange until i get my credit score up since i cannot get a comparable rate for anything cheaper that i can afford at this time.
State Farm
I would not recommend a particular home insurance company to any of my friends. I am not happy with the premium or with the fact that the high deductible was in fine print and I was not aware of it.
Liberty Mutual
I would and have recommended Liberty Mutual to my family and friends,Their customer service is excellent, and I have never had a problem in their hands.
Travelers
I would give this company a 2 overall. It just seems like they don't do anything. And the cost goes up each year. Bunch of crap.
Travelers
I feel the premium I pay with Travelers is a very good value for the amount of coverage I have. We got to choose the amount of deductible we wanted, and I like being in control of that aspect of my policy.
Travelers
They seem to be quality with their proactive yearly review to see if anything has changed that needs to be considered for my insurance needs. Also their rates are fair and in line with other home insurers. So I give them a solid 4.

Reading, PA Homeowners Insurance By Home Value

Reading, PA Home Value Total Homes % of Total Average Reading, PA Homeowners Insurance
Less than $50,000 3,805 28.0% $247
$50,000 to $59,999 1,379 10.0% $522
$60,000 to $69,999 1,809 13.0% $645
$70,000 to $79,999 1,183 8.0% $748
$80,000 to $89,999 1,097 8.0% $851
$90,000 to $99,999 589 4.0% $948
$100,000 to $124,999 1,219 9.0% $1099
$125,000 to $149,999 727 5.0% $1374
$150,000 to $174,999 579 4.0% $1628
$175,000 to $199,999 364 2.0% $1875
$200,000 to $249,999 326 2.0% $2260
$250,000 to $299,999 207 1.0% $2761

Top Home Insurance Agents Near Reading, PA

Home Insurance Company Near Reading, PA Homeowners Insurance Agency Near Reading, PA Address
Erie Braun & Turko Insurance 1501 S 4Th St, Allentown, PA, 18103
Travelers Enders Insurance Associates 5912 LINGLESTOWN RD, HARRISBURG, PA, 17112
State Farm Greg Sallade 919 E Main St Ste 1, Mount Joy, PA, 17552-9546
Travelers Hardenbergh Insurance Group 618 EAST BROAD ST, GIBBSTOWN, NJ, 8027
Erie Jacqueline R Castillo 432 Walnut Street, Reading, PA, 19601

Reading, PA Home Insurance Agents for Top Companies


Reading, 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
West Reading borough, Pennsylvania $89 $118 $177
Mount Penn borough, Pennsylvania $89 $119 $178
Lower Alsace township, Berks County, Pennsylvania $90 $120 $180

Reading, 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
Reading, PA5.9%13.7%
West Reading4.66%10.98%
Mount Penn4.67%10.89%
Lower Alsace4.23%9.91%

Reading Renters Insurance as a Percentage of Rent

Reading Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 675 3.0% $359
$200 to $299 1,228 7.0% $809
$300 to $499 1,880 10.0% $1259
$500 to $749 5,995 34.0% $1934
$750 to $999 4,668 26.0% $2684
$1,000 to $1,499 2,766 15.0% $3809

Reading, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Reading Homeowner Insurance Premium Example $700$500
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,200$6,600
Net Savings to Reading Home Owner from High Deductible Plan $600

Reading, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Reading, PA Home Replacement Value MORE than Home Value Reading, PA Home Replacement Value LESS than Home Value
Replacement Value $145,500 $98,500
Insurance Premium based on Replacement Value $625 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $19,000 Risk Exposure from Under Insuring Coverage is $28,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example Reading Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateTravelersGEICO Insurance
Monthly Premium 231650
Year Built 196819441962
Home Details 3 Beds, 1 Baths2 Beds, 1 Baths4 Beds, 1 Baths
Coverage Amount $50000-$75000$50000-$75000$125000-$150000
Deductible $1000-$2500 Deductible$2500-$5000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1965 95,000 Shingles Roof 1,990 3 $2500-$5000 Deductible 280 9 Fiber-Cement Siding yes
1941 85,000 Membrane Roof 1,680 2 $2500-$5000 Deductible 180 8 Vinyl siding No
1969 135,000 Composition Roof 2,080 4 $2500-$5000 Deductible 290 6 Brick siding No
1965 190,000 Asphalt Shingles Roof 3,990 5 $1000-$2500 Deductible 440 6 Fiber-Cement Siding yes
1942 80,000 Metal Roof 1,390 2 $500- $1000 Deductible 190 10 Wood siding yes
1941 55,000 Composition Roof 1,130 2 $1000-$2500 Deductible 220 10 Brick siding No
1962 105,000 Membrane Roof 1,660 5 $500- $1000 Deductible 110 3 Stucco siding yes
1969 155,000 Composition Roof 2,680 5 $1000-$2500 Deductible 770 10 Brick siding No
1961 125,000 Tile Roof 2,190 5 $1000-$2500 Deductible 540 12 Brick siding No
1965 85,000 Composition Roof 1,490 3 $500 Deductible 120 4 Brick siding No
1947 150,000 Membrane Roof 2,560 4 $500- $1000 Deductible 630 10 Brick siding No
1967 105,000 Membrane Roof 1,960 5 $500- $1000 Deductible 320 9 Wood siding yes
1964 285,000 Metal Roof 4,900 5 $1000-$2500 Deductible 390 4 Stucco siding yes
1943 170,000 Membrane Roof 3,110 4 $2500-$5000 Deductible 140 3 Fiber-Cement Siding yes
1967 110,000 Wood Shake Roof 1,690 2 $500- $1000 Deductible 210 7 Stucco siding yes
1945 160,000 Asphalt Shingles Roof 2,380 5 $500- $1000 Deductible 420 8 Wood siding No
1961 70,000 Wood Shake Roof 1,360 2 $1000-$2500 Deductible 190 10 Wood siding yes
1948 280,000 Wood Shake Roof 4,730 5 $500- $1000 Deductible 320 3 Wood siding yes
1945 135,000 Wood Shake Roof 2,360 3 $500 Deductible 360 7 Brick siding yes
1963 90,000 Asphalt Shingles Roof 1,750 3 $1000-$2500 Deductible 120 5 Stucco siding yes
1943 65,000 Metal Roof 1,360 2 $1000-$2500 Deductible 200 12 Stucco siding yes
1962 110,000 Membrane Roof 2,210 3 $500- $1000 Deductible 150 3 Stucco siding No
1967 110,000 Tile Roof 2,260 3 $500- $1000 Deductible 60 2 Vinyl siding No
1968 90,000 Shingles Roof 1,870 4 $500- $1000 Deductible 190 6 Fiber-Cement Siding yes
1941 145,000 Shingles Roof 2,650 5 $500- $1000 Deductible 150 3 Stone Siding yes
1968 160,000 Membrane Roof 3,240 4 $500 Deductible 590 9 Brick siding yes
1947 100,000 Membrane Roof 2,110 3 $2500-$5000 Deductible 250 8 Brick siding No
1968 100,000 Slate Shingles Roof 2,020 4 $500 Deductible 290 7 Vinyl siding yes
1942 255,000 Slate Shingles Roof 4,930 5 $1000-$2500 Deductible 950 10 Stucco siding yes
1947 155,000 Tile Roof 2,640 4 $5000 to $10,000 Deductible 420 12 Stone Siding No
1964 125,000 Membrane Roof 1,870 4 $2500-$5000 Deductible 410 12 Stucco siding No
1964 160,000 Tile Roof 2,380 3 $2500-$5000 Deductible 40 1 Stone Siding yes
1944 75,000 Shingles Roof 1,350 2 $500 Deductible 220 7 Fiber-Cement Siding yes
1944 185,000 Tile Roof 2,820 5 $5000 to $10,000 Deductible 490 12 Stone Siding yes
1935 220,000 Shingles Roof 2,395 5 > $10,000 Deductible 470 4 Vinyl siding No

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