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Searching for Homeowners Insurance in 16678

If you are a homeowners that lives in 16678 you may be searching for more affordable homeowners insurance in Saxton. 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 Saxton, 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 16678 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 Saxton, PA home insurance quotes in your local city and review the most competitive coverages and premiums.

Check Out 16678 Home Insurance Costs: very low!

In Saxton, homeowners are paying roughly $729 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 16678 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 Saxton are saving up to 40 percent on their policy costs by using GetHomeInsuranceQuotes.com.

Start shopping for a 16678 policy right now!

16678 Home Insurance Average Premiums

Local 16678 homeowners insurance quotes comparison

$479 /yr.

Shows Zip Code: 16678 lowest rates with discounts applied on average.

For the 16678, 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)
$479 /yr.
Average Coverage:$729 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1029 /yr.

What is the average home insurance cost for a home in 16678?

  • • The average homeowners insurance premium paid annually for a home in 16678 is around $729 per year.

What does it cost on average per month for home insurance in 16678?

  • • Homeowners in 16678 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 16678?

  • • Autoowners in 16678 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 Saxton area, check out other zip codes nearby 16678.
Review average rates in another zip code:
16678 homeowners insurance rates

Home Replacement Cost Coverage in 16678

Average Building Cost Per Square Foot in 16678: $136

Location: Saxton, Pennsylvania (Bedford County)

Average Square Footage in 16678: 810 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16678 before you start any project. Saxton 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 16678 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 16678 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 810 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 Saxton 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$136810$110,100
Additional Upgrades & Added Features$170810$137,625
Major Home Updates or Advancements$204810$165,150

It's important to understand that when you estimate your replacement cost of your home in the 16678 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 16678

Best Home & Auto Insurance Agencies in 16678

Allstate Insurance Agency

Address: 807 Lower Main St Saxton, PA 16678
Phone:
Website: http://www.allstateagencies.com/019714/Welcome/
Info:

Housing Demographics for 16678

Population Review for 16678 Zip Code

For the city of Saxton, the population within 16678 has increased to over 2,411 residents in population size. The current population total is 2,548. We have broken down the population based on race below. In 16678, there are over 1258 in male population and 1290 females.

PopulationValues
Total Population2,548
White Population2451
Black Population12
Hispanic Population25
Asian Population2
Hawaiian Population2
Indian Population2
Other Population4
Male Population1258
Female Population1290
Population Estimate2411

Household Data for 16678

The average number of homes in 16678 is around 1,113, there are an average of 2.29 per household. The average house value according to local real estate values is around $110,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,113
Persons Per Household2.29
Average House Value$110,100
Income Per Household$52361
Median Age46.9
Median Age Male45.6
Median Age Female48.1
16678 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CitySaxton
City Alias NameSAXTON
CountyBedford
County FIPS009
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 Businesses59
Number Of Employees349
Business First Quarter Payroll1908
Business Annual Payroll8343
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 District13
Congressional LandArea155.18
Delivery Residential1053
Delivery Business67
Delivery Total1206
Preferred Last Line KeyX1A929
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX1A929
Land Area48.442000
Water Area1.307000
City Alias Code
City Mixed CaseSaxton
City Alias Mixed CaseSaxton
Box Count61
SFDU994
MFDU17
State ANSI42
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number417468
Unique ZIP Name
SSA State County Code39100
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseBedford

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 […]