State College, PA homeowners insurance is roughly $650 to $887, about $54-$73/month. Our exhaustive research indicates shoppers can save upto $307 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near State College, PA | Homeowners Insurance Agency Near State College, PA | Address |
|---|---|---|
| Erie | Jeff Lantzy Insurance Inc. | 2002 Bigler Avenue, Northern Cambria, PA, 15714 |
| Allstate | Kratzer Insurance | 26 Millrace Rd 26 Millrace Rd Mount Pleasant Mills, Mount Pleasant M, PA, 17853 |
| Travelers | Martin G Kyper Insurance | 402 PENN ST, HUNTINGDON, PA, 16652 |
| Erie | Solensky Insurance Agency Inc. | 3119 Pleasant Valley Blvd Suite 1, Altoona, PA, 16602 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Lemont CDP, Pennsylvania | $93 | $124 | $186 |
| College township, Centre County, Pennsylvania | $94 | $125 | $188 |
| Park Forest Village CDP, Pennsylvania | $95 | $127 | $190 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| State College, PA | 3.6% | 10.9% |
| Lemont | 4.36% | 10.93% |
| College | 3.96% | 10.17% |
| Park Forest Village | 4.31% | 10.03% |
| State College Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 626 | 6.0% | $1217 |
| $500 to $749 | 2,138 | 22.0% | $1892 |
| $750 to $999 | 3,081 | 32.0% | $2642 |
| $1,000 to $1,499 | 1,870 | 19.0% | $3767 |
| $1,500 or more | 1,874 | 19.0% | $5417 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,200 | $2,200 |
| Yearly State College Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,200 | $2,200 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,000 | $5,400 |
| Net Savings to State College Home Owner from High Deductible Plan | $600 | |
| Scenario | State College, PA Home Replacement Value MORE than Home Value | State College, PA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $317,500 | $177,000 |
| Insurance Premium based on Replacement Value | $1,525 | $850 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $69,000 | Risk Exposure from Under Insuring Coverage is $71,500 |
| Premium Impact | Insurance cheaper by $350/year | Insurance costlier by $325/year |
| Insurance Company | GEICO Insurance | Allstate | Liberty Mutual |
| Monthly Premium | 122 | 103 | 50 |
| Year Built | 1967 | 1991 | 1941 |
| Home Details | 4 Beds, 3 Baths | 5 Beds, 2 Baths | 3 Beds, 2 Baths |
| Coverage Amount | $300000-$350000 | $250000-$300000 | $200000-$250000 |
| Deductible | $1000-$2500 Deductible | $500- $1000 Deductible | > $10,000 Deductible |