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15870 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 15870 zip code it's important to know that our rates are very competitive for homeowners living in Wilcox, PA. Many homeowners based out of your 15870 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Pennsylvania licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 15870 should appear in the zip code field ready to go. For Wilcox, PA Homeowners Insurance Quotes nearby, we offer the best rates and service.

15870: Average Home Insurance Rates

For homeowners living in the great city of Wilcox, the average homeowners policy is considered very low in comparison to other states. Pennsylvania premiums are estimated to be around $745 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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15870 Home Insurance Average Premiums

Local 15870 homeowners insurance quotes comparison

$495 /yr.

Shows Zip Code: 15870 lowest rates with discounts applied on average.

For the 15870, 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)		$495 /yr.
Average Coverage:$745 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1045 /yr.

What is the average home insurance cost for a home in 15870?

  • • The average homeowners insurance premium paid annually for a home in 15870 is around $745 per year.

What does it cost on average per month for home insurance in 15870?

  • • Homeowners in 15870 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 15870?

  • • Autoowners in 15870 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 Wilcox area, check out other zip codes nearby 15870.
Review average rates in another zip code:
15870 homeowners insurance rates

Home Replacement Cost Coverage in 15870

Average Building Cost Per Square Foot in 15870: $136

Location: Wilcox, Pennsylvania (Elk County)

Average Square Footage in 15870: 551 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 15870 before you start any project. Wilcox 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 15870 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 15870 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 551 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 Wilcox 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$136551$75,000
Additional Upgrades & Added Features$170551$93,750
Major Home Updates or Advancements$204551$112,500

It's important to understand that when you estimate your replacement cost of your home in the 15870 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 15870

Best Home & Auto Insurance Agencies in 15870

Housing Demographics for 15870

Population Review for 15870 Zip Code

For the city of Wilcox, the population within 15870 has increased to over 915 residents in population size. The current population total is 1,262. We have broken down the population based on race below. In 15870, there are over 641 in male population and 621 females.

PopulationValues
Total Population1,262
White Population1216
Black Population1
Hispanic Population5
Asian Population2
Hawaiian Population0
Indian Population1
Other Population3
Male Population641
Female Population621
Population Estimate915

Household Data for 15870

The average number of homes in 15870 is around 597, there are an average of 2.11 per household. The average house value according to local real estate values is around $75,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode597
Persons Per Household2.11
Average House Value$75,000
Income Per Household$48287
Median Age50.4
Median Age Male50.7
Median Age Female50.1
15870 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityWilcox
City Alias NameWILCOX
CountyElk
County FIPS047
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA41260
CBSA_DIV
CBSA_TypeMicro
CBSA_NameSt. Marys, PA
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses25
Number Of Employees209
Business First Quarter Payroll1764
Business Annual Payroll7555
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population31946
CBSA Division Population0
Congressional District15
Congressional LandArea1285.03
Delivery Residential434
Delivery Business13
Delivery Total659
Preferred Last Line KeyX1C020
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX1C020
Land Area114.783000
Water Area1.914000
City Alias Code
City Mixed CaseWilcox
City Alias Mixed CaseWilcox
Box Count186
SFDU434
MFDU0
State ANSI42
County ANSI047
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number419252
Unique ZIP Name
SSA State County Code39310
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID2
County Mixed CaseElk

Pennsylvania Homeowners Insurance News & Information

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]