West Chester Insurance Rates:

West Chester, PA homeowners insurance is nearly $663 to $905, about $55-$75/month. Our extensive research reveals consumers can save upto $313 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
I think state farm provides a good product for home insurance, with many premium discount opportunities. i think changes to your policy/premium take too long to process.
Erie Insurance
If an adjuster is busy they will pass your claim off and it will be tossed around by many people.
Mutual Benefit Group
If you need to make monthly payments you will get hit hard with the payment service fees.
Safeco Insurance
I like that the website is simple and straightforward. I can view my account details with minimal fuss and the help function works.
State Farm
are the best insurance company for most people who get home insurance like I do.
Allstate
We have not had a lot of contact with them as of yet but so far it has been reasonably positive and easy to work with the company.

West Chester, PA Homeowners Insurance By Home Value

West Chester, PA Home Value Total Homes % of Total Average West Chester, PA Homeowners Insurance
$125,000 to $149,999 38 1.0% $360
$150,000 to $174,999 135 6.0% $431
$175,000 to $199,999 150 7.0% $493
$200,000 to $249,999 447 22.0% $595
$250,000 to $299,999 481 24.0% $729
$300,000 to $399,999 680 34.0% $925

Top Home Insurance Agents Near West Chester, PA

Home Insurance Company Near West Chester, PA Homeowners Insurance Agency Near West Chester, PA Address
Allstate Donna O'Sullivan 19 Cricket Ave, Ardmore, PA, 19003
Travelers Ecbm Lp 300 CONSHOHOCKEN STATE RD STE 405, WEST CONSHOHOCKEN, PA, 19428
Travelers Fonner Insurance Associates Inc 1544 Old York Rd Abington, Abington Township, PA, 19001
Farmers Richard Mike Payne 951 Haddonfield Rd Fl 2, Cherry Hill, NJ, 8002
Nationwide Susan Moon Insurance Agency Llc 7300 Old York Rd Ste 225, Elkins Park, PA, 19027

Cost Of Homeowners Insurance By Street Near West Chester, PA

Streets in West Chester Area Homeowners Insurance Cost
William Ebbs Ln, Lacey St, E Prescott Aly, Oak Pl, S Maryland Ave, Wilmont Mews, S Wayne St, E Biddle St, N Franklin St, E Evans St$775
N Darlington St, Brinton Aly, W Ashbridge St, Hillside Dr N, Locust Aly, Cherry Aly, Clover Aly, Locust Ct, S Everhart St, Dean St$814
Marshal St, Convent Ln, S Bradford Ave, N Brandywine St, Willow Aly, E Lafayette St, N New St, E Virginia Ave, Waverly Pl, Park Aly$814
Price St, N Wayne St, W Rosedale Ave, N Darlington St, Magnolia St, N Brandywine St, E Marshall St, N Penn St, Clarke St, Patton Aly$766
Granite Aly, Parke Hollow Ln, E Ashbridge St, N Campus Dr, S Darlington St, E Washington St, Harmony Aly, Clinton Aly, Hall Aly, W Strasburg Rd$817

West Chester, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
West Chester$116 to $118
West Goshen$122
East Bradford$128
Westtown$124

West Chester, 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
West Goshen township, Chester County, Pennsylvania $102 $135 $203
East Bradford township, Chester County, Pennsylvania $107 $142 $213
Westtown township, Chester County, Pennsylvania $104 $139 $208

West Chester, 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
West Chester, PA3.8%10.8%
West Goshen3.04%9.86%
East Bradford2.9%10.59%
Westtown2.9%9.34%

West Chester Renters Insurance as a Percentage of Rent

West Chester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 64 1.0% $309
$200 to $299 147 3.0% $759
$300 to $499 146 3.0% $1209
$500 to $749 348 8.0% $1884
$750 to $999 1,056 25.0% $2634
$1,000 to $1,499 1,593 38.0% $3759
$1,500 or more 749 18.0% $5409

West Chester, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,300$4,300
Yearly West Chester Homeowner Insurance Premium Example $2,400$1,800
Out of Pocket Expense During Claim$1,300$4,300
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $20,500$18,700
Net Savings to West Chester Home Owner from High Deductible Plan $1,800

West Chester, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario West Chester, PA Home Replacement Value MORE than Home Value West Chester, PA Home Replacement Value LESS than Home Value
Replacement Value $291,500 $199,000
Insurance Premium based on Replacement Value $1,600 $1,100
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $66,000 Risk Exposure from Under Insuring Coverage is $26,500
Premium Impact Insurance cheaper by $150/year Insurance costlier by $350/year

Example West Chester Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceFarmers InsuranceNationwide Insurance
Monthly Premium 3568187
Year Built 196219701944
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths5 Beds, 3 Baths
Coverage Amount $100000-$125000$175000-$200000$700000-$800000
Deductible $2500-$5000 Deductible$500- $1000 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 270,000 Asphalt Shingles Roof 1,480 2 $500 Deductible 130 1 Brick siding No
1968 300,000 Tile Roof 1,680 5 $500- $1000 Deductible 800 6 Fiber-Cement Siding yes
1949 220,000 Composition Roof 1,720 3 > $10,000 Deductible 290 8 Vinyl siding yes
1940 250,000 Membrane Roof 1,710 4 $500 Deductible 1220 9 Vinyl siding yes
1979 315,000 Membrane Roof 1,780 2 $1000-$2500 Deductible 800 7 Wood siding yes
1949 200,000 Membrane Roof 1,580 2 $1000-$2500 Deductible 550 7 Fiber-Cement Siding yes
1976 180,000 Tile Roof 1,390 3 $2500-$5000 Deductible 50 1 Vinyl siding yes
1975 265,000 Wood Shake Roof 1,470 2 $2500-$5000 Deductible 760 10 Brick siding No
1960 455,000 Asphalt Shingles Roof 2,870 5 $500 Deductible 300 2 Stucco siding yes
1964 360,000 Membrane Roof 2,310 4 $2500-$5000 Deductible 980 12 Brick siding yes
1969 265,000 Asphalt Shingles Roof 1,670 2 $5000 to $10,000 Deductible 150 3 Stone Siding yes
1941 570,000 Shingles Roof 3,280 5 $500- $1000 Deductible 1400 9 Stone Siding yes
1969 300,000 Slate Shingles Roof 1,850 5 $500 Deductible 580 6 Wood siding yes
1970 465,000 Composition Roof 3,560 5 > $10,000 Deductible 110 1 Brick siding No
1965 225,000 Shingles Roof 1,370 3 > $10,000 Deductible 300 5 Stucco siding No
1967 600,000 Composition Roof 3,880 5 $2500-$5000 Deductible 420 3 Fiber-Cement Siding yes
1962 255,000 Tile Roof 1,800 3 > $10,000 Deductible 50 1 Stone Siding yes
1943 215,000 Shingles Roof 1,240 2 $500 Deductible 140 1 Fiber-Cement Siding No
1947 245,000 Asphalt Shingles Roof 1,630 3 $2500-$5000 Deductible 590 9 Fiber-Cement Siding No
1973 315,000 Membrane Roof 1,750 3 > $10,000 Deductible 580 10 Fiber-Cement Siding yes