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.
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Reading, PA | 5.9% | 13.7% |
| West Reading | 4.66% | 10.98% |
| Mount Penn | 4.67% | 10.89% |
| Lower Alsace | 4.23% | 9.91% |
| 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 |
| Low Deductible | High 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 | |
| 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 |
| Insurance Company | Amica Mutual Insurance Company | Liberty Mutual | GEICO Insurance |
| Monthly Premium | 27 | 32 | 81 |
| Year Built | 1966 | 1949 | 1968 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 1 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $75000-$100000 | $100000-$125000 | $250000-$300000 |
| Deductible | $2500-$5000 Deductible | $2500-$5000 Deductible | $5000 to $10,000 Deductible |