Get multiple home insurance quotes in 16229. Our licensed 16229, PA agents are ready to serve you.

16229 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 16229? There are over 2,106 occupied homes in the 16229 area. With a population size of 4,978, it's not uncommon for residence of Freeport, 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 $684 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 16229 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: Freeport, PA Home Insurance Rate Quotes

16229 Home Insurance Average Premiums

Local 16229 homeowners insurance quotes comparison

$434 /yr.

Shows Zip Code: 16229 lowest rates with discounts applied on average.

For the 16229, 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)		$434 /yr.
Average Coverage:$684 /yr.
2600 sq. ft. or higher
(all discounts applied)		$984 /yr.

What is the average home insurance cost for a home in 16229?

  • • The average homeowners insurance premium paid annually for a home in 16229 is around $684 per year.

What does it cost on average per month for home insurance in 16229?

  • • Homeowners in 16229 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 16229?

  • • Autoowners in 16229 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 Freeport area, check out other zip codes nearby 16229.
Review average rates in another zip code:
16229 homeowners insurance rates

Home Replacement Cost Coverage in 16229

Average Building Cost Per Square Foot in 16229: $136

Location: Freeport, Pennsylvania (Armstrong County)

Average Square Footage in 16229: 1,303 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16229 before you start any project. Freeport 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 16229 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 16229 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,303 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 Freeport 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$1361,303$177,200
Additional Upgrades & Added Features$1701,303$221,500
Major Home Updates or Advancements$2041,303$265,800

It's important to understand that when you estimate your replacement cost of your home in the 16229 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 16229

Best Home & Auto Insurance Agencies in 16229

Housing Demographics for 16229

Population Review for 16229 Zip Code

For the city of Freeport, the population within 16229 has increased to over 5,111 residents in population size. The current population total is 4,978. We have broken down the population based on race below. In 16229, there are over 2436 in male population and 2542 females.

PopulationValues
Total Population4,978
White Population4786
Black Population14
Hispanic Population51
Asian Population19
Hawaiian Population0
Indian Population2
Other Population14
Male Population2436
Female Population2542
Population Estimate5111

Household Data for 16229

The average number of homes in 16229 is around 2,106, there are an average of 2.36 per household. The average house value according to local real estate values is around $177,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,106
Persons Per Household2.36
Average House Value$177,200
Income Per Household$70901
Median Age46.2
Median Age Male44.9
Median Age Female47.6
16229 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code724/878
CityFreeport
City Alias NameFREEPORT
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 Businesses101
Number Of Employees1474
Business First Quarter Payroll17799
Business Annual Payroll79193
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|15|16|17
Congressional LandArea209.29|1285.03|997.68|1733.22
Delivery Residential2166
Delivery Business120
Delivery Total2348
Preferred Last Line KeyX18511
Classification Code
Multi-CountyY
CSA NamePittsburgh-Weirton-Steubenville, PA-OH-WV
CBSA_DIV_Name
City State KeyX18511
Land Area26.845000
Water Area1.265000
City Alias Code
City Mixed CaseFreeport
City Alias Mixed CaseFreeport
Box Count41
SFDU1954
MFDU86
State ANSI42
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number412924
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 […]