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16140 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 16140? There are over 74 occupied homes in the 16140 area. With a population size of 226, it's not uncommon for residence of New Bedford, PA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Pennsylvania is around $732 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 16140 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: New Bedford, PA Home Insurance Rate Quotes

16140 Home Insurance Average Premiums

Local 16140 homeowners insurance quotes comparison

$482 /yr.

Shows Zip Code: 16140 lowest rates with discounts applied on average.

For the 16140, 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)		$482 /yr.
Average Coverage:$732 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1032 /yr.

What is the average home insurance cost for a home in 16140?

  • • The average homeowners insurance premium paid annually for a home in 16140 is around $732 per year.

What does it cost on average per month for home insurance in 16140?

  • • Homeowners in 16140 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 16140?

  • • Autoowners in 16140 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 New Bedford area, check out other zip codes nearby 16140.
Review average rates in another zip code:
16140 homeowners insurance rates

Home Replacement Cost Coverage in 16140

Average Building Cost Per Square Foot in 16140: $136

Location: New Bedford, Pennsylvania (Lawrence County)

Average Square Footage in 16140: 610 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16140 before you start any project. New Bedford 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 16140 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 16140 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 610 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 New Bedford 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$136610$83,000
Additional Upgrades & Added Features$170610$103,750
Major Home Updates or Advancements$204610$124,500

It's important to understand that when you estimate your replacement cost of your home in the 16140 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 16140

Best Home & Auto Insurance Agencies in 16140

Housing Demographics for 16140

Population Review for 16140 Zip Code

For the city of New Bedford, the population within 16140 has increased to over 0 residents in population size. The current population total is 226. We have broken down the population based on race below. In 16140, there are over 128 in male population and 98 females.

PopulationValues
Total Population226
White Population216
Black Population0
Hispanic Population0
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population128
Female Population98
Population Estimate0

Household Data for 16140

The average number of homes in 16140 is around 74, there are an average of 3.05 per household. The average house value according to local real estate values is around $83,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode74
Persons Per Household3.05
Average House Value$83,000
Income Per Household$66467
Median Age39.0
Median Age Male42.3
Median Age Female29.5
16140 DetailsValues
StatePA
State Full NamePennsylvania
City TypeZ
City Alias Abbreviation
Area Code724/878
CityNew Bedford
City Alias NameNEW BEDFORD
CountyLawrence
County FIPS073
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA430
CBSA38300
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePittsburgh, PA
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses4
Number Of Employees17
Business First Quarter Payroll48
Business Annual Payroll220
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 District16
Congressional LandArea997.68
Delivery Residential0
Delivery Business0
Delivery Total159
Preferred Last Line KeyX1A098
Classification CodeP
Multi-County
CSA NamePittsburgh-Weirton-Steubenville, PA-OH-WV
CBSA_DIV_Name
City State KeyX1A098
Land Area0.417000
Water Area0.000000
City Alias Code
City Mixed CaseNew Bedford
City Alias Mixed CaseNew Bedford
Box Count69
SFDU0
MFDU0
State ANSI42
County ANSI073
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number415848
Unique ZIP Name
SSA State County Code39450
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseLawrence

Pennsylvania Homeowners Insurance News & Information

  • 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 […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]