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16254 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 16254 zip code it's important to know that our rates are very competitive for homeowners living in Shippenville, PA. Many homeowners based out of your 16254 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 16254 should appear in the zip code field ready to go. For Shippenville, PA Homeowners Insurance Quotes nearby, we offer the best rates and service.

16254: Average Home Insurance Rates

For homeowners living in the great city of Shippenville, the average homeowners policy is considered very low in comparison to other states. Pennsylvania premiums are estimated to be around $709 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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16254 Home Insurance Average Premiums

Local 16254 homeowners insurance quotes comparison

$459 /yr.

Shows Zip Code: 16254 lowest rates with discounts applied on average.

For the 16254, 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)
$459 /yr.
Average Coverage:$709 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1009 /yr.

What is the average home insurance cost for a home in 16254?

  • • The average homeowners insurance premium paid annually for a home in 16254 is around $709 per year.

What does it cost on average per month for home insurance in 16254?

  • • Homeowners in 16254 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 16254?

  • • Autoowners in 16254 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 Shippenville area, check out other zip codes nearby 16254.
Review average rates in another zip code:
16254 homeowners insurance rates

Home Replacement Cost Coverage in 16254

Average Building Cost Per Square Foot in 16254: $136

Location: Shippenville, Pennsylvania (Clarion County)

Average Square Footage in 16254: 946 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16254 before you start any project. Shippenville 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 16254 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 16254 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 946 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 Shippenville 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$136946$128,600
Additional Upgrades & Added Features$170946$160,750
Major Home Updates or Advancements$204946$192,900

It's important to understand that when you estimate your replacement cost of your home in the 16254 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 16254

Best Home & Auto Insurance Agencies in 16254

Matt Higgins State Farm Insurance

Address: 11271 Route 322 Shippenville, PA 16254
Phone:
Website: http://www.statefarm.com/
Info:

Kevin Fitzsimmons Agency

Address: 9964 Route 322 Shippenville, PA 16254
Phone:
Website:
Info:

Housing Demographics for 16254

Population Review for 16254 Zip Code

For the city of Shippenville, the population within 16254 has increased to over 2,970 residents in population size. The current population total is 3,174. We have broken down the population based on race below. In 16254, there are over 1576 in male population and 1598 females.

PopulationValues
Total Population3,174
White Population2976
Black Population63
Hispanic Population35
Asian Population16
Hawaiian Population3
Indian Population5
Other Population12
Male Population1576
Female Population1598
Population Estimate2970

Household Data for 16254

The average number of homes in 16254 is around 1,307, there are an average of 2.31 per household. The average house value according to local real estate values is around $128,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,307
Persons Per Household2.31
Average House Value$128,600
Income Per Household$52917
Median Age47.4
Median Age Male45.3
Median Age Female49.5
16254 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityShippenville
City Alias NameSHIPPENVILLE
CountyClarion
County FIPS031
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses107
Number Of Employees1782
Business First Quarter Payroll17948
Business Annual Payroll78284
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District15
Congressional LandArea1285.03
Delivery Residential1286
Delivery Business104
Delivery Total1578
Preferred Last Line KeyX1B032
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX1B032
Land Area47.172000
Water Area0.517000
City Alias Code
City Mixed CaseShippenville
City Alias Mixed CaseShippenville
Box Count161
SFDU1146
MFDU0
State ANSI42
County ANSI031
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number417716
Unique ZIP Name
SSA State County Code39220
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseClarion

Pennsylvania Homeowners Insurance News & Information

  • 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 […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]