State College Insurance Rates:

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.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
Allstate has given me the best price of all the other insurance companies. I had trouble finding insurance in the price range I needed.
Allstate
I like that you can follow the status of a claim on their website. You can see up to the minute how the claim is going. They also have a person available 24 hours a day.
Geico
I find the premium cost to be comparable or less than other companies. We live in a hurricane-prone area, so our cost for coverage is a little higher than many other areas, as well as our deductibles are higher for wind coverage.
State Farm
I recently had a claim and the claims representatives were very responsive and helpful. The only problem was trying to communicate how I wanted the check to be sent.
State Farm
Every time I called them the customer service people were great. I was on first name basis and we got along great. I really loved their customer service. They were very helpful and knowledgeable.
Liberty Mutual
I would highly recommend Liberty Mutual to friends and family because we have been happy with their customer service and also because we have been able to save money with their policy.

State College, PA Homeowners Insurance By Home Value

State College, PA Home Value Total Homes % of Total Average State College, PA Homeowners Insurance
Less than $50,000 45 2.0% $69
$90,000 to $99,999 22 1.0% $276
$100,000 to $124,999 95 4.0% $322
$125,000 to $149,999 25 1.0% $407
$150,000 to $174,999 185 9.0% $476
$175,000 to $199,999 179 8.0% $553
$200,000 to $249,999 484 23.0% $669
$250,000 to $299,999 511 25.0% $815
$300,000 to $399,999 446 22.0% $1038

Top Home Insurance Agents Near State College, PA

Home Insurance Company Near State College, PA Homeowners Insurance Agency Near State College, PA Address
NA Infinity Insurance Management Service Llc 100 Radnor Rd State College, College Township, PA, 16801
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

State College, PA Home Insurance Agents for Top Companies


State College, 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
Lemont CDP, Pennsylvania $93 $124 $186
College township, Centre County, Pennsylvania $94 $125 $188
Park Forest Village CDP, Pennsylvania $95 $127 $190

State College, 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
State College, PA3.6%10.9%
Lemont4.36%10.93%
College3.96%10.17%
Park Forest Village4.31%10.03%

State College Renters Insurance as a Percentage of Rent

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

State College, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh 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

State College, PA Home Insurance Costs With Home Replacement Value Scenarios

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

Example State College Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateLiberty Mutual
Monthly Premium 12210350
Year Built 196719911941
Home Details 4 Beds, 3 Baths5 Beds, 2 Baths3 Beds, 2 Baths
Coverage Amount $300000-$350000$250000-$300000$200000-$250000
Deductible $1000-$2500 Deductible$500- $1000 Deductible> $10,000 Deductible

Sample Home Insurance Rates for State College, 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 325,000 Tile Roof 2,920 4 $1000-$2500 Deductible 310 3 Brick siding No
1980 430,000 Composition Roof 3,680 5 $500 Deductible 560 3 Stucco siding No
1982 275,000 Membrane Roof 2,470 4 > $10,000 Deductible 320 4 Stucco siding No
1986 285,000 Tile Roof 2,340 3 $500- $1000 Deductible 820 12 Fiber-Cement Siding No
1979 355,000 Tile Roof 2,320 4 $1000-$2500 Deductible 940 5 Stone Siding No
1940 255,000 Shingles Roof 1,690 2 $500- $1000 Deductible 430 5 Stone Siding No
1962 210,000 Metal Roof 1,870 3 $5000 to $10,000 Deductible 420 10 Brick siding yes
1973 325,000 Metal Roof 2,620 5 $500 Deductible 740 5 Stone Siding No
1965 215,000 Metal Roof 1,770 5 > $10,000 Deductible 420 8 Brick siding No
1993 480,000 Metal Roof 3,340 5 $1000-$2500 Deductible 830 5 Stucco siding No
1966 460,000 Shingles Roof 2,940 5 $2500-$5000 Deductible 390 3 Wood siding No
1975 260,000 Shingles Roof 1,790 4 $500- $1000 Deductible 640 7 Brick siding No
1992 165,000 Shingles Roof 1,400 3 $500 Deductible 330 4 Stone Siding yes
1978 300,000 Slate Shingles Roof 1,920 3 $500- $1000 Deductible 440 4 Stucco siding No
1990 160,000 Composition Roof 1,240 2 $1000-$2500 Deductible 320 7 Brick siding yes
1945 515,000 Tile Roof 3,130 4 > $10,000 Deductible 1280 10 Fiber-Cement Siding yes
1975 220,000 Composition Roof 1,340 3 $5000 to $10,000 Deductible 410 5 Wood siding yes
1963 390,000 Membrane Roof 2,620 4 $2500-$5000 Deductible 1000 7 Fiber-Cement Siding No
1993 385,000 Metal Roof 2,830 5 $500 Deductible 440 3 Stucco siding No
1940 205,000 Composition Roof 1,290 2 $500 Deductible 660 6 Brick siding yes
1964 260,000 Tile Roof 1,590 2 > $10,000 Deductible 220 4 Wood siding No
1976 525,000 Wood Shake Roof 3,270 5 $5000 to $10,000 Deductible 520 4 Stucco siding yes
1942 285,000 Wood Shake Roof 2,440 4 $2500-$5000 Deductible 70 1 Stucco siding No
1970 235,000 Shingles Roof 1,440 2 $500- $1000 Deductible 840 10 Wood siding yes
1940 140,000 Metal Roof 1,010 2 $1000-$2500 Deductible 50 1 Fiber-Cement Siding yes
1996 395,000 Shingles Roof 3,040 5 $500- $1000 Deductible 1110 7 Fiber-Cement Siding yes
1977 410,000 Metal Roof 2,500 4 > $10,000 Deductible 370 6 Stone Siding No
1964 265,000 Asphalt Shingles Roof 1,770 5 $5000 to $10,000 Deductible 670 10 Fiber-Cement Siding yes
1970 325,000 Shingles Roof 2,020 4 $2500-$5000 Deductible 660 5 Wood siding yes
1984 225,000 Metal Roof 1,700 4 $5000 to $10,000 Deductible 420 5 Vinyl siding yes
1990 175,000 Shingles Roof 1,470 2 $2500-$5000 Deductible 470 7 Vinyl siding No
1991 595,000 Shingles Roof 4,090 5 $500 Deductible 1230 4 Stone Siding No
1946 205,000 Shingles Roof 1,470 3 $1000-$2500 Deductible 510 8 Stucco siding yes
1961 235,000 Membrane Roof 1,790 3 $500 Deductible 250 3 Wood siding yes
1980 225,000 Wood Shake Roof 1,668 3 $1000-$2500 Deductible 1180 12 Brick siding yes

Find Visual Guide for State College, PA Home Insurance Buyers on Insurance Companies and Rates