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If you live in the 16878 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of West Decatur have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our PA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 16878 and then compare quotes from a variety of nationwide insurance companies.

16878 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 16878 the average premium for homeowners coverage is $704 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 16878. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 16878 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best West Decatur, PA home insurance quotes in your area.

16878 Home Insurance Average Premiums

Local 16878 homeowners insurance quotes comparison

$454 /yr.

Shows Zip Code: 16878 lowest rates with discounts applied on average.

For the 16878, 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)
$454 /yr.
Average Coverage:$704 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1004 /yr.

What is the average home insurance cost for a home in 16878?

  • • The average homeowners insurance premium paid annually for a home in 16878 is around $704 per year.

What does it cost on average per month for home insurance in 16878?

  • • Homeowners in 16878 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 16878?

  • • Autoowners in 16878 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 West Decatur area, check out other zip codes nearby 16878.
Review average rates in another zip code:
16878 homeowners insurance rates

Home Replacement Cost Coverage in 16878

Average Building Cost Per Square Foot in 16878: $136

Location: West Decatur, Pennsylvania (Clearfield County)

Average Square Footage in 16878: 854 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 16878 before you start any project. West Decatur 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 16878 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 16878 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 854 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 West Decatur 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$136854$116,100
Additional Upgrades & Added Features$170854$145,125
Major Home Updates or Advancements$204854$174,150

It's important to understand that when you estimate your replacement cost of your home in the 16878 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 16878

Best Home & Auto Insurance Agencies in 16878

Housing Demographics for 16878

Population Review for 16878 Zip Code

For the city of West Decatur, the population within 16878 has increased to over 1,759 residents in population size. The current population total is 1,862. We have broken down the population based on race below. In 16878, there are over 988 in male population and 874 females.

PopulationValues
Total Population1,862
White Population1785
Black Population2
Hispanic Population5
Asian Population3
Hawaiian Population0
Indian Population0
Other Population6
Male Population988
Female Population874
Population Estimate1759

Household Data for 16878

The average number of homes in 16878 is around 762, there are an average of 2.44 per household. The average house value according to local real estate values is around $116,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode762
Persons Per Household2.44
Average House Value$116,100
Income Per Household$65948
Median Age47.4
Median Age Male46.7
Median Age Female48.7
16878 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code814
CityWest Decatur
City Alias NameWEST DECATUR
CountyClearfield
County FIPS033
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA524
CBSA20180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameDuBois, PA
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses17
Number Of Employees58
Business First Quarter Payroll424
Business Annual Payroll2225
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population81642
CBSA Division Population0
Congressional District15
Congressional LandArea1285.03
Delivery Residential721
Delivery Business12
Delivery Total829
Preferred Last Line KeyX1B902
Classification Code
Multi-County
CSA NameState College-DuBois, PA
CBSA_DIV_Name
City State KeyX1B902
Land Area28.741000
Water Area0.046000
City Alias Code
City Mixed CaseWest Decatur
City Alias Mixed CaseWest Decatur
Box Count87
SFDU694
MFDU0
State ANSI42
County ANSI033
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number419048
Unique ZIP Name
SSA State County Code39230
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseClearfield

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 […]