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16440, PA Homeowners Insurance Rates

With a population size of 816 and with 330 occupied homes in the 16440 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Venango, PA are around $744 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Venango, Pennsylvania. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Pennsylvania home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Venango, PA.

For Pennsylvania home insurance information, including average Venango home insurance rates, coverage options or the different homeowners insurance types, please select Venango, PA Home Insurance Quotes Now!

16440 Home Insurance Average Premiums

Local 16440 homeowners insurance quotes comparison

$494 /yr.

Shows Zip Code: 16440 lowest rates with discounts applied on average.

For the 16440, 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)
$494 /yr.
Average Coverage:$744 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1044 /yr.

What is the average home insurance cost for a home in 16440?

  • • The average homeowners insurance premium paid annually for a home in 16440 is around $744 per year.

What does it cost on average per month for home insurance in 16440?

  • • Homeowners in 16440 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 16440?

  • • Autoowners in 16440 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 Venango area, check out other zip codes nearby 16440.
Review average rates in another zip code:
16440 homeowners insurance rates

Home Replacement Cost Coverage in 16440

Average Building Cost Per Square Foot in 16440: $136

Location: Venango, Pennsylvania (Crawford County)

Average Square Footage in 16440: 1,103 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16440 before you start any project. Venango 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 16440 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 16440 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,103 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 Venango 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$1361,103$150,000
Additional Upgrades & Added Features$1701,103$187,500
Major Home Updates or Advancements$2041,103$225,000

It's important to understand that when you estimate your replacement cost of your home in the 16440 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 16440

Best Home & Auto Insurance Agencies in 16440

Housing Demographics for 16440

Population Review for 16440 Zip Code

For the city of Venango, the population within 16440 has increased to over 637 residents in population size. The current population total is 816. We have broken down the population based on race below. In 16440, there are over 439 in male population and 377 females.

PopulationValues
Total Population816
White Population763
Black Population0
Hispanic Population6
Asian Population3
Hawaiian Population0
Indian Population1
Other Population4
Male Population439
Female Population377
Population Estimate637

Household Data for 16440

The average number of homes in 16440 is around 330, there are an average of 2.47 per household. The average house value according to local real estate values is around $150,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode330
Persons Per Household2.47
Average House Value$150,000
Income Per Household$65729
Median Age46.7
Median Age Male47.4
Median Age Female46.1
16440 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityVenango
City Alias NameVENANGO
CountyCrawford
County FIPS039
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA240
CBSA32740
CBSA_DIV
CBSA_TypeMicro
CBSA_NameMeadville, PA
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses14
Number Of Employees109
Business First Quarter Payroll786
Business Annual Payroll3741
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population88765
CBSA Division Population0
Congressional District16
Congressional LandArea997.68
Delivery Residential258
Delivery Business5
Delivery Total446
Preferred Last Line KeyX1B692
Classification Code
Multi-County
CSA NameErie-Meadville, PA
CBSA_DIV_Name
City State KeyX1B692
Land Area10.443000
Water Area0.016000
City Alias Code
City Mixed CaseVenango
City Alias Mixed CaseVenango
Box Count110
SFDU258
MFDU0
State ANSI42
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number418760
Unique ZIP Name
SSA State County Code39260
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseCrawford

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 […]