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.

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Latest Home Insurance Reviews

Black Ridge Bank.
My insurance company is black ridge bank. i like the insurance agent. his name is erik and he is really nice. the price also was the lowest among all the quotes we got. the coverage was enough although i do not recall if the umbrella policy was as large as the other quotes.
Ameriprise
The thing that i don't like about my insurance company is the fact that is doesn't provide discounts based on loyalty. i would expect that if we continue service with them, they would decrease pricing year after year especially since we haven't had the need to utilize them to make any claims.
Usaa
I like using usaa as my home insurance company because any time i need to speak to a customer service representative they are very polite and knowledgeable

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 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
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