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Searching for Homeowners Insurance in 16405

If you are a homeowners that lives in 16405 you may be searching for more affordable homeowners insurance in Columbus. Insurance rates can change on a yearly basis so if your current insurer has raised your rates recently it may be time to shop your coverage and we can help.

GetHomeInsuranceQuotes.com makes shopping your insurance policy quick and easy for residents of Columbus, PA. All you have to do is enter a bit of information about your home and we will gather 12 quotes from nationwide insurers, making sure that you get the best coverage levels and rates available.

Our Pennsylvania licensed agents will provide a free consultation to make sure you are fully protected as well as answer any questions you may have about policy options. Insurance can be complicated so it pays to have a professional walk you through your various policy choices. As always, our service is free.

Getting started is easy. Click the "Get Multiple Quotes Now" button, verify your zip code and start saving.

Get 16405 Home Insurance Rate Quotes Right Now!

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Columbus, PA home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 16405 Home Insurance Costs: very low!

In Columbus, homeowners are paying roughly $717 per year for a HO-3 policy which is considered the standard for a single family home. In order to find the best policy at the best price, we compare rates from some of the most competitive insurers and present you with your best options for homeowners insurance coverage in 16405 zip code.

Our service is free and we never spam our clients so you only receive the information that you request. While all situations are different, in most cases, homeowners in Columbus are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 16405 policy right now!

16405 Home Insurance Average Premiums

Local 16405 homeowners insurance quotes comparison

$467 /yr.

Shows Zip Code: 16405 lowest rates with discounts applied on average.

For the 16405, 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)
$467 /yr.
Average Coverage:$717 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1017 /yr.

What is the average home insurance cost for a home in 16405?

  • • The average homeowners insurance premium paid annually for a home in 16405 is around $717 per year.

What does it cost on average per month for home insurance in 16405?

  • • Homeowners in 16405 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 16405?

  • • Autoowners in 16405 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 Columbus area, check out other zip codes nearby 16405.
Review average rates in another zip code:
16405 homeowners insurance rates

Home Replacement Cost Coverage in 16405

Average Building Cost Per Square Foot in 16405: $136

Location: Columbus, Pennsylvania (Warren County)

Average Square Footage in 16405: 735 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16405 before you start any project. Columbus 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 16405 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 16405 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 735 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 Columbus 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$136735$100,000
Additional Upgrades & Added Features$170735$125,000
Major Home Updates or Advancements$204735$150,000

It's important to understand that when you estimate your replacement cost of your home in the 16405 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 16405

Best Home & Auto Insurance Agencies in 16405

Housing Demographics for 16405

Population Review for 16405 Zip Code

For the city of Columbus, the population within 16405 has increased to over 558 residents in population size. The current population total is 646. We have broken down the population based on race below. In 16405, there are over 336 in male population and 310 females.

PopulationValues
Total Population646
White Population601
Black Population0
Hispanic Population8
Asian Population0
Hawaiian Population0
Indian Population0
Other Population0
Male Population336
Female Population310
Population Estimate558

Household Data for 16405

The average number of homes in 16405 is around 243, there are an average of 2.66 per household. The average house value according to local real estate values is around $100,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode243
Persons Per Household2.66
Average House Value$100,000
Income Per Household$65114
Median Age51.5
Median Age Male49.0
Median Age Female53.4
16405 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814/582
CityColumbus
City Alias NameCOLUMBUS
CountyWarren
County FIPS123
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA47620
CBSA_DIV
CBSA_TypeMicro
CBSA_NameWarren, PA
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses6
Number Of Employees28
Business First Quarter Payroll98
Business Annual Payroll367
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population41815
CBSA Division Population0
Congressional District15
Congressional LandArea1285.03
Delivery Residential210
Delivery Business3
Delivery Total303
Preferred Last Line KeyX17744
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX17744
Land Area18.842000
Water Area0.000000
City Alias Code
City Mixed CaseColumbus
City Alias Mixed CaseColumbus
Box Count75
SFDU210
MFDU0
State ANSI42
County ANSI123
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number411572
Unique ZIP Name
SSA State County Code39740
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseWarren

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 […]