Get multiple home insurance quotes in 16436. Our licensed 16436, PA agents are ready to serve you.

16436 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 16436 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Spring Creek, PA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 16436 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Pennsylvania, like average Spring Creek homeowners insurance rates, coverage options or home insurance types, please select Spring Creek, PA Home Insurance Rates Online!

16436 Home Insurance Average Premiums

Local 16436 homeowners insurance quotes comparison

$452 /yr.

Shows Zip Code: 16436 lowest rates with discounts applied on average.

For the 16436, 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)
$452 /yr.
Average Coverage:$702 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1002 /yr.

What is the average home insurance cost for a home in 16436?

  • • The average homeowners insurance premium paid annually for a home in 16436 is around $702 per year.

What does it cost on average per month for home insurance in 16436?

  • • Homeowners in 16436 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 16436?

  • • Autoowners in 16436 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 Spring Creek area, check out other zip codes nearby 16436.
Review average rates in another zip code:
16436 homeowners insurance rates

Home Replacement Cost Coverage in 16436

Average Building Cost Per Square Foot in 16436: $136

Location: Spring Creek, Pennsylvania (Warren County)

Average Square Footage in 16436: 1,171 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16436 before you start any project. Spring Creek 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 16436 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 16436 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,171 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 Spring Creek 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$1361,171$159,200
Additional Upgrades & Added Features$1701,171$199,000
Major Home Updates or Advancements$2041,171$238,800

It's important to understand that when you estimate your replacement cost of your home in the 16436 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 16436

Best Home & Auto Insurance Agencies in 16436

Housing Demographics for 16436

Population Review for 16436 Zip Code

For the city of Spring Creek, the population within 16436 has increased to over 654 residents in population size. The current population total is 706. We have broken down the population based on race below. In 16436, there are over 353 in male population and 353 females.

PopulationValues
Total Population706
White Population667
Black Population0
Hispanic Population8
Asian Population0
Hawaiian Population2
Indian Population0
Other Population0
Male Population353
Female Population353
Population Estimate654

Household Data for 16436

The average number of homes in 16436 is around 286, there are an average of 2.47 per household. The average house value according to local real estate values is around $159,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode286
Persons Per Household2.47
Average House Value$159,200
Income Per Household$45000
Median Age47.1
Median Age Male45.5
Median Age Female47.8
16436 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CitySpring Creek
City Alias NameSPRING CREEK
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 Businesses7
Number Of Employees33
Business First Quarter Payroll184
Business Annual Payroll962
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 Residential265
Delivery Business8
Delivery Total323
Preferred Last Line KeyX1B182
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX1B182
Land Area48.715000
Water Area0.031000
City Alias Code
City Mixed CaseSpring Creek
City Alias Mixed CaseSpring Creek
Box Count22
SFDU265
MFDU0
State ANSI42
County ANSI123
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number418008
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 […]