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16866 Home Insurance Rates & Premiums

Did you know there are over 9,850 people living within the 16866 zip code area? There are over 3,668 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 16866.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Pennsylvania are on the rise. The estimated average premium is around $714 a year for a standard homeowners insurance policy in Philipsburg. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Philipsburg, PA Homeowners Insurance Quotes Online

16866 Home Insurance Average Premiums

Local 16866 homeowners insurance quotes comparison

$464 /yr.

Shows Zip Code: 16866 lowest rates with discounts applied on average.

For the 16866, 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)
$464 /yr.
Average Coverage:$714 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1014 /yr.

What is the average home insurance cost for a home in 16866?

  • • The average homeowners insurance premium paid annually for a home in 16866 is around $714 per year.

What does it cost on average per month for home insurance in 16866?

  • • Homeowners in 16866 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 16866?

  • • Autoowners in 16866 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 Philipsburg area, check out other zip codes nearby 16866.
Review average rates in another zip code:
16866 homeowners insurance rates

Home Replacement Cost Coverage in 16866

Average Building Cost Per Square Foot in 16866: $136

Location: Philipsburg, Pennsylvania (Centre County)

Average Square Footage in 16866: 865 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16866 before you start any project. Philipsburg 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 16866 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 16866 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 865 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 Philipsburg 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$136865$117,700
Additional Upgrades & Added Features$170865$147,125
Major Home Updates or Advancements$204865$176,550

It's important to understand that when you estimate your replacement cost of your home in the 16866 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 16866

Best Home & Auto Insurance Agencies in 16866

Folmar- Keith M

Address: 216 E Presqueisle St Philipsburg, PA 16866
Phone:
Website:
Info:

Housing Demographics for 16866

Population Review for 16866 Zip Code

For the city of Philipsburg, the population within 16866 has increased to over 8,109 residents in population size. The current population total is 9,850. We have broken down the population based on race below. In 16866, there are over 5670 in male population and 4180 females.

PopulationValues
Total Population9,850
White Population9031
Black Population348
Hispanic Population1407
Asian Population120
Hawaiian Population0
Indian Population23
Other Population48
Male Population5670
Female Population4180
Population Estimate8109

Household Data for 16866

The average number of homes in 16866 is around 3,668, there are an average of 2.18 per household. The average house value according to local real estate values is around $117,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,668
Persons Per Household2.18
Average House Value$117,700
Income Per Household$45993
Median Age44.3
Median Age Male42.2
Median Age Female49.5
16866 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityPhilipsburg
City Alias NamePHILIPSBURG
CountyCentre
County FIPS027
State FIPS42
Time Zone5
Day Light SavingY
MSA8050
PMSA
CSA524
CBSA44300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameState College, PA
MSA_NameState College, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses256
Number Of Employees3171
Business First Quarter Payroll33080
Business Annual Payroll132271
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population153990
CBSA Division Population0
Congressional District15
Congressional LandArea1285.03
Delivery Residential3720
Delivery Business328
Delivery Total4227
Preferred Last Line KeyX1A500
Classification Code
Multi-CountyY
CSA NameState College-DuBois, PA
CBSA_DIV_Name
City State KeyX1A500
Land Area157.059000
Water Area0.435000
City Alias Code
City Mixed CasePhilipsburg
City Alias Mixed CasePhilipsburg
Box Count105
SFDU3118
MFDU300
State ANSI42
County ANSI027
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number416548
Unique ZIP Name
SSA State County Code39200
Medicare CBSA Code44300
Medicare CBSA NameState College, PA
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseCentre

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 […]