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Compare 15342 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 15342 area? The average homeowners premium in Pennsylvania for a standard homeowners policy is around $767/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 15342 zip code, the population size is around 5,066 with 2,156 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 15342.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Houston, PA Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. PA RateDiscountsSavingsShop Rates
$967up to 40% off$387

15342 Home Insurance Average Premiums

Local 15342 homeowners insurance quotes comparison

$517 /yr.

Shows Zip Code: 15342 lowest rates with discounts applied on average.

For the 15342, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$517 /yr.
Average Coverage:$767 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1067 /yr.

What is the average home insurance cost for a home in 15342?

  • • The average homeowners insurance premium paid annually for a home in 15342 is around $767 per year.

What does it cost on average per month for home insurance in 15342?

  • • Homeowners in 15342 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 15342?

  • • Autoowners in 15342 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Houston area, check out other zip codes nearby 15342.
Review average rates in another zip code:
15342 homeowners insurance rates

Home Replacement Cost Coverage in 15342

Average Building Cost Per Square Foot in 15342: $136

Location: Houston, Pennsylvania (Washington County)

Average Square Footage in 15342: 1,460 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 15342 before you start any project. Houston homeowners pay on average around $136 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 15342 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 15342 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,460 sq. ft. and the average cost to rebuild the home in this area is around $136 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Houston area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1361,460$198,600
Additional Upgrades & Added Features$1701,460$248,250
Major Home Updates or Advancements$2041,460$297,900

It's important to understand that when you estimate your replacement cost of your home in the 15342 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 15342

Best Home & Auto Insurance Agencies in 15342

Linda Thomas - Nationwide Insurance

Address: 10 E Pike St Houston, PA 15342
Phone:
Website: http://www.nationwide.com/agent/Houston-PENNSYLVANIA-insurance-agent/linda-thomas/office.html
Info:

Hritsko, Brian - Brian Hritsko Insurance

Address: 102 W Pike St Houston, PA 15342
Phone:
Website: http://www.hritskoinsurance.com/
Info:

Housing Demographics for 15342

Population Review for 15342 Zip Code

For the city of Houston, the population within 15342 has increased to over 5,456 residents in population size. The current population total is 5,066. We have broken down the population based on race below. In 15342, there are over 2512 in male population and 2554 females.

PopulationValues
Total Population5,066
White Population4496
Black Population210
Hispanic Population104
Asian Population37
Hawaiian Population4
Indian Population9
Other Population46
Male Population2512
Female Population2554
Population Estimate5456

Household Data for 15342

The average number of homes in 15342 is around 2,156, there are an average of 2.34 per household. The average house value according to local real estate values is around $198,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,156
Persons Per Household2.34
Average House Value$198,600
Income Per Household$79208
Median Age45.7
Median Age Male43.0
Median Age Female47.8
15342 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code412
CityHouston
City Alias NameHOUSTON
CountyWashington
County FIPS125
State FIPS42
Time Zone5
Day Light SavingY
MSA6280
PMSA
CSA430
CBSA38300
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePittsburgh, PA
MSA_NamePittsburgh, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses108
Number Of Employees2055
Business First Quarter Payroll30643
Business Annual Payroll151987
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2356285
CBSA Division Population0
Congressional District14
Congressional LandArea209.29
Delivery Residential2332
Delivery Business106
Delivery Total2526
Preferred Last Line KeyX18958
Classification Code
Multi-County
CSA NamePittsburgh-Weirton-Steubenville, PA-OH-WV
CBSA_DIV_Name
City State KeyX18958
Land Area3.206000
Water Area0.000000
City Alias Code
City Mixed CaseHouston
City Alias Mixed CaseHouston
Box Count48
SFDU2027
MFDU54
State ANSI42
County ANSI125
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number413800
Unique ZIP Name
SSA State County Code39750
Medicare CBSA Code38300
Medicare CBSA NamePittsburgh, PA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseWashington

Pennsylvania Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]