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16228 Home Insurance Rates & Premiums

Did you know there are over 361 people living within the 16228 zip code area? There are over 166 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 16228.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Pennsylvania are on the rise. The estimated average premium is around $724 a year for a standard homeowners insurance policy in Ford Cliff. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Ford Cliff, PA Homeowners Insurance Quotes Online

16228 Home Insurance Average Premiums

Local 16228 homeowners insurance quotes comparison

$474 /yr.

Shows Zip Code: 16228 lowest rates with discounts applied on average.

For the 16228, 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)		$474 /yr.
Average Coverage:$724 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1024 /yr.

What is the average home insurance cost for a home in 16228?

  • • The average homeowners insurance premium paid annually for a home in 16228 is around $724 per year.

What does it cost on average per month for home insurance in 16228?

  • • Homeowners in 16228 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 16228?

  • • Autoowners in 16228 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 Ford Cliff area, check out other zip codes nearby 16228.
Review average rates in another zip code:
16228 homeowners insurance rates

Home Replacement Cost Coverage in 16228

Average Building Cost Per Square Foot in 16228: $136

Location: Ford Cliff, Pennsylvania (Armstrong County)

Average Square Footage in 16228: 568 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16228 before you start any project. Ford Cliff 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 16228 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 16228 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 568 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 Ford Cliff 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$136568$77,200
Additional Upgrades & Added Features$170568$96,500
Major Home Updates or Advancements$204568$115,800

It's important to understand that when you estimate your replacement cost of your home in the 16228 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 16228

Best Home & Auto Insurance Agencies in 16228

Housing Demographics for 16228

Population Review for 16228 Zip Code

For the city of Ford Cliff, the population within 16228 has increased to over 368 residents in population size. The current population total is 361. We have broken down the population based on race below. In 16228, there are over 180 in male population and 181 females.

PopulationValues
Total Population361
White Population338
Black Population3
Hispanic Population3
Asian Population7
Hawaiian Population0
Indian Population0
Other Population1
Male Population180
Female Population181
Population Estimate368

Household Data for 16228

The average number of homes in 16228 is around 166, there are an average of 2.17 per household. The average house value according to local real estate values is around $77,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode166
Persons Per Household2.17
Average House Value$77,200
Income Per Household$48750
Median Age47.6
Median Age Male47.6
Median Age Female47.8
16228 DetailsValues
StatePA
State Full NamePennsylvania
City TypeN
City Alias Abbreviation
Area Code724/412/878
CityFord Cliff
City Alias NameFORD CLIFF
CountyArmstrong
County FIPS005
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 Businesses3
Number Of Employees24
Business First Quarter Payroll242
Business Annual Payroll1094
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 District15
Congressional LandArea1285.03
Delivery Residential170
Delivery Business4
Delivery Total175
Preferred Last Line Key006943
Classification Code
Multi-County
CSA NamePittsburgh-Weirton-Steubenville, PA-OH-WV
CBSA_DIV_Name
City State Key006943
Land Area0.076000
Water Area0.000000
City Alias Code
City Mixed CaseFord Cliff
City Alias Mixed CaseFord Cliff
Box Count0
SFDU170
MFDU0
State ANSI42
County ANSI005
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number412820
Unique ZIP Name
SSA State County Code39070
Medicare CBSA Code38300
Medicare CBSA NamePittsburgh, PA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseArmstrong

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 […]