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Reading, PA Home Values & Insurance Rates

Reading, PA Home Value Total Homes % of Total Average 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 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$900$2,900
Yearly Reading Homeowner Insurance Premium Example $1,100$700
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $8,600$7,800
Net Savings to Reading Home Owner from High Deductible Plan $800

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 $79,500 $60,500
Insurance Premium based on Replacement Value $325 $250
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $6,500 Risk Exposure from Under Insuring Coverage is $12,500
Premium Impact Insurance cheaper by $50/year Insurance costlier by $25/year

Example Reading Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyLiberty MutualGEICO Insurance
Monthly Premium 273281
Year Built 196619491968
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $75000-$100000$100000-$125000$250000-$300000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

Reading, PA Auto & Home Insurance Bundling Discounts

Place 1 Car Bundle Savings 2 Car Bundle Savings 3 Car Bundle Savings
West Reading borough, Pennsylvania $89 $118 $177
Mount Penn borough, Pennsylvania $89 $119 $178
Lower Alsace township, Berks County, Pennsylvania $90 $120 $180

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
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