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Homeowners Insurance in 15906

For homeowners living in 15906, you want more affordable home insurance rates in Johnstown, right? Our rates are very competitive for homeowners living in the great city of Johnstown, PA. Many homeowners living in the 15906 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Pennsylvania licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 15906 should appear in the zip code field ready to go. Comparing Johnstown, PA Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.

15906 Home Insurance Costs Are Considered: Very Low!

The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Johnstown pay around $731 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Pennsylvania home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 15906 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Johnstown homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Pennsylvania home insurance premium today!

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15906 Home Insurance Average Premiums

Local 15906 homeowners insurance quotes comparison

$481 /yr.

Shows Zip Code: 15906 lowest rates with discounts applied on average.

For the 15906, 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)
$481 /yr.
Average Coverage:$731 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1031 /yr.

What is the average home insurance cost for a home in 15906?

  • • The average homeowners insurance premium paid annually for a home in 15906 is around $731 per year.

What does it cost on average per month for home insurance in 15906?

  • • Homeowners in 15906 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 15906?

  • • Autoowners in 15906 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 Johnstown area, check out other zip codes nearby 15906.
Review average rates in another zip code:
15905 homeowners insurance rates
15909 homeowners insurance rates
15904 homeowners insurance rates
15902 homeowners insurance rates
15906 homeowners insurance rates
15901 homeowners insurance rates

Home Replacement Cost Coverage in 15906

Average Building Cost Per Square Foot in 15906: $136

Location: Johnstown, Pennsylvania (Cambria County)

Average Square Footage in 15906: 361 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 15906 before you start any project. Johnstown 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 15906 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 15906 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 361 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 Johnstown 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$136361$49,100
Additional Upgrades & Added Features$170361$61,375
Major Home Updates or Advancements$204361$73,650

It's important to understand that when you estimate your replacement cost of your home in the 15906 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 15906

Best Home & Auto Insurance Agencies in 15906

Housing Demographics for 15906

Population Review for 15906 Zip Code

For the city of Johnstown, the population within 15906 has increased to over 10,320 residents in population size. The current population total is 10,060. We have broken down the population based on race below. In 15906, there are over 4892 in male population and 5168 females.

PopulationValues
Total Population10,060
White Population8019
Black Population1245
Hispanic Population341
Asian Population26
Hawaiian Population4
Indian Population15
Other Population103
Male Population4892
Female Population5168
Population Estimate10320

Household Data for 15906

The average number of homes in 15906 is around 4,574, there are an average of 2.20 per household. The average house value according to local real estate values is around $49,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,574
Persons Per Household2.20
Average House Value$49,100
Income Per Household$33886
Median Age44.6
Median Age Male44.1
Median Age Female44.9
15906 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityJohnstown
City Alias NameJOHNSTOWN
CountyCambria
County FIPS021
State FIPS42
Time Zone5
Day Light SavingY
MSA3680
PMSA
CSA306
CBSA27780
CBSA_DIV
CBSA_TypeMetro
CBSA_NameJohnstown, PA
MSA_NameJohnstown, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses149
Number Of Employees1994
Business First Quarter Payroll14822
Business Annual Payroll69753
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population143679
CBSA Division Population0
Congressional District13
Congressional LandArea155.18
Delivery Residential4691
Delivery Business186
Delivery Total5060
Preferred Last Line KeyX19093
Classification Code
Multi-County
CSA NameJohnstown-Somerset, PA
CBSA_DIV_Name
City State KeyX19093
Land Area27.262000
Water Area0.415000
City Alias Code
City Mixed CaseJohnstown
City Alias Mixed CaseJohnstown
Box Count0
SFDU4523
MFDU168
State ANSI42
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number414080
Unique ZIP Name
SSA State County Code39160
Medicare CBSA Code27780
Medicare CBSA NameJohnstown, PA
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseCambria

Pennsylvania Homeowners Insurance News & Information

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    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

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    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]