Scranton Insurance Rates:

Scranton, PA homeowners insurance is approximately $597 to $810, about $49-$67/month. Our exhaustive analysis reveals consumers can save as much as $281 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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What is the Average Home Insurance Cost in Scranton, PA

Home insurance is one of the most important types of insurance to have. It protects your home and belongings if a covered loss, such as a fire or robbery. Home insurance also covers you if someone is injured while on your property. You need home insurance if you own a home in Scranton, Pennsylvania. Scranton has a high crime rate, and homes in the city are more likely to be burglarized than homes in other parts of the state. Home insurance will protect you from financial losses if your home is burglarized or damaged by a fire. You may still need home insurance even if you don't own a home. If you are a renter, your landlord's insurance policy will not cover your belongings. You must purchase renter insurance to protect your belongings from damage or theft.

The average cost of home insurance in Scranton, PA, is $606. Homeowner's insurance rates are calculated after carefully examining several factors. These include the house's age, previous claims, amount of coverage, deductible, location, ZIP code, and other factors. Here are a few tips for finding affordable home insurance in Scranton, PA.

1. Multi-Policy Insurance

Home insurance rates are often lower when you bundle multiple policies with the same company. This is because insurance companies often give discounts to customers with more than one policy. Multi-policy insurance can help to reduce the cost of home insurance. Homeowners can receive home insurance for $490.86 after opting for multi-policy insurance. Multi-policy insurance can be a great way to save money on homeowners insurance. By bundling policies, policyholders can take advantage of discounts that can lead to significant savings. However, comparing rates and coverage before buying a  policy is important to ensure that you’re getting the best deal.

2. Claims History

One way to save money on homeowners insurance is to have a good claim history. A claim history records the claims you’ve made on your policy. Insurance companies use claim history to help determine premiums. Having a good claim history means you haven’t had to make many claims on your policy. This is good for two reasons. First, it means you haven’t had any major disasters that have required a lot of money to fix. Second, it shows the insurance company that you’re a low-risk customer, which means they’re more likely to give you a discount on your premium.

Homeowners in Scranton, Pennsylvania, who have never filed a claim must pay a premium of $527.22, whereas those who have filed one or two claims must pay between $654.48 and $690.84 in homeowners insurance premiums. So, be sure to carefully read your policy, understand what is and is not covered, and keep up with home maintenance. Doing so can help you avoid making costly claims and help keep your premiums low.

3. Safety Features

Most insurance companies will discount homes with smoke detectors, fire extinguishers, and a burglar alarm system. Some companies will give an even bigger discount if the home has a sprinkler system. Having safety features in your home not only helps protect your home and belongings but can also save you money on your insurance. For instance, homes with smoke detectors and sprinkler systems pay $551.46 and $539.34 on home insurance in Scranton, PA. If you are thinking about installing any of these safety features, check with your insurance company to see how much discount you could receive.


Scranton, PA Homeowners Insurance By Home Value

Scranton, PA Home Value Total Homes % of Total Average Scranton, PA Homeowners Insurance
Less than $50,000 1,028 6.0% $161
$50,000 to $59,999 757 4.0% $337
$60,000 to $69,999 872 5.0% $422
$70,000 to $79,999 1,169 7.0% $485
$80,000 to $89,999 1,526 9.0% $549
$90,000 to $99,999 1,729 11.0% $612
$100,000 to $124,999 2,465 15.0% $711
$125,000 to $149,999 1,467 9.0% $887
$150,000 to $174,999 1,562 10.0% $1056
$175,000 to $199,999 1,010 6.0% $1217
$200,000 to $249,999 1,032 6.0% $1464
$250,000 to $299,999 586 3.0% $1788
$300,000 to $399,999 326 2.0% $2273

Top Home Insurance Agents Near Scranton, PA

Home Insurance Company Near Scranton, PA Homeowners Insurance Agency Near Scranton, PA Address
Nationwide Abraham Hobson Insurance Services Llc 529 Scott Street, Wilkes Barre, PA, 18702-5607
State Farm Dave Andes 348 Pierce St, Kingston, PA, 18704-5121
Travelers Polizzi Kelly Insurance Agency 203 E DRINKER ST, DUNMORE, PA, 18512
Nationwide Richard W. Leet 18 Como Road, Lakewood, PA, 18439-0300
State Farm Rick Wright 1029 N Washington St, Wilkes Barre, PA, 18705-1816

Scranton, PA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Scranton, PA

Streets in Scranton Area Homeowners Insurance Cost
Robb Pl, Euclid Ave, Roberts Ct, George Ave, Oliver Ct, Hawthorne St, Townhouse Blvd, Scranton-Pocono Hwy, Barrett Ct, Mulberry St$706
Lookout Dr, Lee Ct, N Fillmore Ave, Schimpf Ct, Dorothy St, Prescott Pl, Kelly Ave, E Corey St, Back St, Gerard Ave$726
Park Dr, Wales St, Rockwell Ave, Acker Ave, Quinnan Ct, Kolb Ct, Little Spike Way, Smith Pl, Acker Ave, Crown Ave$689
Carver Pl, Schimpf Ct, E Gibson St, Barry Pl, S Keastner Ct, Ripple St, Stewart Ct, Saint Ann St, Evans Ct, Forest Ct$702
Fairview Ave, N Cameron Ave, Morgan Ct, Bengar Dr, Raymond Ct, Cliff Ave, Jones Ct, N Horatio Ave, Lake Scranton Rd, Lauer Ave$728

Scranton, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Scranton$105 to $107
Lackawanna County$107

Scranton, 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
Taylor borough, Pennsylvania $88 $117 $175
Dunmore borough, Pennsylvania $91 $121 $181
Lackawanna County, Pennsylvania $90 $119 $179

Scranton, 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
Scranton, PA4.8%11.2%
Lackawanna County4.48%11.48%

Scranton Renters Insurance as a Percentage of Rent

Scranton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 450 3.0% $351
$200 to $299 836 6.0% $801
$300 to $499 1,689 13.0% $1251
$500 to $749 5,453 42.0% $1926
$750 to $999 2,986 23.0% $2676
$1,000 to $1,499 1,260 9.0% $3801
$1,500 or more 289 2.0% $5451

Scranton, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Scranton Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$700$1,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $8,700$8,100
Net Savings to Scranton Home Owner from High Deductible Plan $600

Scranton, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Scranton, PA Home Replacement Value MORE than Home Value Scranton, PA Home Replacement Value LESS than Home Value
Replacement Value $119,000 $82,000
Insurance Premium based on Replacement Value $675 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $12,500 Risk Exposure from Under Insuring Coverage is $24,500
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example Scranton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceFarmers Insurance
Monthly Premium 626217
Year Built 195319411945
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $150000-$175000$200000-$250000$50000-$75000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 130,000 Metal Roof 1,520 2 $2500-$5000 Deductible 110 3 Stucco siding yes
1949 130,000 Metal Roof 1,560 2 $2500-$5000 Deductible 160 6 Wood siding No
1951 95,000 Wood Shake Roof 1,210 3 $500- $1000 Deductible 180 9 Wood siding yes
1955 205,000 Membrane Roof 2,460 4 $1000-$2500 Deductible 550 7 Brick siding yes
1947 120,000 Membrane Roof 1,430 2 $500- $1000 Deductible 270 6 Stone Siding No
1952 220,000 Wood Shake Roof 2,760 4 > $10,000 Deductible 240 5 Brick siding No
1956 115,000 Membrane Roof 1,850 3 $1000-$2500 Deductible 110 3 Stone Siding yes
1946 220,000 Composition Roof 3,130 4 $1000-$2500 Deductible 820 12 Vinyl siding yes
1947 100,000 Slate Shingles Roof 1,670 4 $1000-$2500 Deductible 280 7 Wood siding No
1954 130,000 Asphalt Shingles Roof 2,030 4 $1000-$2500 Deductible 130 3 Vinyl siding yes
1940 140,000 Asphalt Shingles Roof 1,810 4 $500 Deductible 230 4 Vinyl siding yes
1955 140,000 Composition Roof 1,800 4 $1000-$2500 Deductible 160 4 Stucco siding yes
1949 250,000 Metal Roof 3,060 5 $5000 to $10,000 Deductible 230 4 Brick siding No
1949 190,000 Composition Roof 2,340 3 $2500-$5000 Deductible 240 5 Stucco siding yes
1941 70,000 Metal Roof 1,030 2 $500 Deductible 70 3 Stucco siding yes
1947 120,000 Membrane Roof 1,980 4 $1000-$2500 Deductible 310 8 Vinyl siding No
1948 260,000 Slate Shingles Roof 3,090 4 > $10,000 Deductible 230 6 Fiber-Cement Siding yes
1958 85,000 Slate Shingles Roof 970 2 $500 Deductible 250 7 Wood siding yes
1952 225,000 Shingles Roof 3,650 5 $2500-$5000 Deductible 530 7 Fiber-Cement Siding No
1954 115,000 Composition Roof 1,760 3 $500- $1000 Deductible 460 10 Fiber-Cement Siding No
1945 100,000 Asphalt Shingles Roof 1,250 3 $2500-$5000 Deductible 120 3 Stone Siding yes
1953 175,000 Slate Shingles Roof 2,700 4 $1000-$2500 Deductible 260 4 Fiber-Cement Siding yes
1942 155,000 Shingles Roof 1,800 3 $2500-$5000 Deductible 90 2 Fiber-Cement Siding yes
1950 90,000 Membrane Roof 1,380 2 $1000-$2500 Deductible 430 12 Stone Siding yes
1940 200,000 Asphalt Shingles Roof 2,780 4 > $10,000 Deductible 100 2 Stucco siding No
1945 140,000 Metal Roof 2,120 3 $1000-$2500 Deductible 190 5 Vinyl siding yes
1950 100,000 Metal Roof 1,250 2 $500- $1000 Deductible 190 6 Brick siding yes
1941 215,000 Shingles Roof 3,190 5 $2500-$5000 Deductible 600 7 Stucco siding No
1951 175,000 Asphalt Shingles Roof 2,520 4 $2500-$5000 Deductible 500 10 Stucco siding No
1950 215,000 Tile Roof 2,880 4 $2500-$5000 Deductible 340 6 Brick siding No
1948 70,000 Tile Roof 960 2 $1000-$2500 Deductible 50 2 Wood siding No
1950 305,000 Tile Roof 4,550 5 > $10,000 Deductible 380 4 Wood siding No
1951 60,000 Wood Shake Roof 1,020 2 $1000-$2500 Deductible 130 5 Wood siding No
1950 115,000 Tile Roof 1,620 3 $2500-$5000 Deductible 370 12 Stucco siding yes
1930 85,000 Membrane Roof 1,537 2 $500 Deductible 30 1 Stone Siding yes

Latest Home Insurance Reviews

Farmer's Insurance
I would recommend Farmer's Insurance for home insurance. My agent has gone above and beyond to help me find information he did not need to help with.
Though they claim to be 24/7, it would be nice to get someone local 24/7, and not from a call center.
The customer service is good. The agent will call you right back and answer any questions you have or find out the answers and get back with you.
Erie Insurance
I highly recommend Erie. We have a dog and they also cover him for up to $500. With their excellent rates and superb customer services I could not ask for a better company to work with.
I have not any issues with my home insurance company's customer service. Last time I called them was to change my payment date so that it would coincide with my pay cycle and it was no issue. i would rate it a 5.
State Farm
I had no deductible and the payments were about $1.30 a month. Geico offered more coverage for about $3.00 a month, but I already had vehicle insurance with State Farm.
It is great for those who are just starting out and need a reliable insurance company to cover them. I think it's good for younger folk.
Erie Insurance
found my insurance company was easy to work with, very convenient. customer service is relatively good and responses are received quickly.
State Farm
Love this company. have been with them for over 20 years. easy policies to understand, friendly staff, and local agents.
State Farm
I like that the insurance company i go with has so many options through their bundling that i feel i am covered at all points.
I liked how easy it was to file a claim with All State. Every representative that I talked to was helpful. One call to start the ball rolling.
Grange Insurance
There really isn't much for me to complain about with my home insurance company. I do with the app was interactive, but beyond that, I really am pretty well satisfied.
State Farm
They offer reasonable rates for all of my policies and are easy to deal with. I especially like that they offer discounts on bundling plans.
National General
I like the amount of coverage provided, the fact that it is at a reasonable cost, and am satisfied with the company's excellent online and telephone support.
State Farm
I have to go back to the home screen a lot to be able to navigate. I wish there was a nice drop-down menu instead.
I like the services provided by Progressive regarding home insurance. They are usually fast to respond to my concerns and provide excellent customer service.

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