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16412 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 16412 zip code it's important to know that our rates are very competitive for homeowners living in Edinboro, PA. Many homeowners based out of your 16412 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 16412 should appear in the zip code field ready to go. For Edinboro, PA Homeowners Insurance Quotes nearby, we offer the best rates and service.

16412: Average Home Insurance Rates

For homeowners living in the great city of Edinboro, the average homeowners policy is considered very low in comparison to other states. Pennsylvania premiums are estimated to be around $733 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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16412 Home Insurance Average Premiums

Local 16412 homeowners insurance quotes comparison

$483 /yr.

Shows Zip Code: 16412 lowest rates with discounts applied on average.

For the 16412, 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)		$483 /yr.
Average Coverage:$733 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1033 /yr.

What is the average home insurance cost for a home in 16412?

  • • The average homeowners insurance premium paid annually for a home in 16412 is around $733 per year.

What does it cost on average per month for home insurance in 16412?

  • • Homeowners in 16412 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 16412?

  • • Autoowners in 16412 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 Edinboro area, check out other zip codes nearby 16412.
Review average rates in another zip code:
16444 homeowners insurance rates
16412 homeowners insurance rates

Home Replacement Cost Coverage in 16412

Average Building Cost Per Square Foot in 16412: $136

Location: Edinboro, Pennsylvania (Erie County)

Average Square Footage in 16412: 1,396 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16412 before you start any project. Edinboro 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 16412 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 16412 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,396 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 Edinboro 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$1361,396$189,800
Additional Upgrades & Added Features$1701,396$237,250
Major Home Updates or Advancements$2041,396$284,700

It's important to understand that when you estimate your replacement cost of your home in the 16412 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 16412

Best Home & Auto Insurance Agencies in 16412

Brent L Allen Ins Agy Inc - State Farm Insurance Agent

Address: 408 W Plum St Edinboro, PA 16412
Phone:
Website:
Info:

Housing Demographics for 16412

Population Review for 16412 Zip Code

For the city of Edinboro, the population within 16412 has increased to over 9,689 residents in population size. The current population total is 9,292. We have broken down the population based on race below. In 16412, there are over 4552 in male population and 4740 females.

PopulationValues
Total Population9,292
White Population8605
Black Population123
Hispanic Population166
Asian Population52
Hawaiian Population0
Indian Population19
Other Population60
Male Population4552
Female Population4740
Population Estimate9689

Household Data for 16412

The average number of homes in 16412 is around 3,995, there are an average of 2.30 per household. The average house value according to local real estate values is around $189,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,995
Persons Per Household2.30
Average House Value$189,800
Income Per Household$60882
Median Age40.2
Median Age Male40.2
Median Age Female40.2
16412 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityEdinboro
City Alias NameEDINBORO
CountyErie
County FIPS049
State FIPS42
Time Zone5
Day Light SavingY
MSA2360
PMSA
CSA240
CBSA21500
CBSA_DIV
CBSA_TypeMetro
CBSA_NameErie, PA
MSA_NameErie, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses226
Number Of Employees2075
Business First Quarter Payroll16861
Business Annual Payroll76581
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population280566
CBSA Division Population0
Congressional District16
Congressional LandArea997.68
Delivery Residential4213
Delivery Business230
Delivery Total4732
Preferred Last Line KeyX18176
Classification Code
Multi-CountyY
CSA NameErie-Meadville, PA
CBSA_DIV_Name
City State KeyX18176
Land Area80.726000
Water Area0.641000
City Alias Code
City Mixed CaseEdinboro
City Alias Mixed CaseEdinboro
Box Count184
SFDU3739
MFDU394
State ANSI42
County ANSI049
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number412340
Unique ZIP Name
SSA State County Code39320
Medicare CBSA Code21500
Medicare CBSA NameErie, PA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseErie

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 […]