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18056 Home Insurance Rates & Premiums

Did you know there are over 951 people living within the 18056 zip code area? There are over 442 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 18056.

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 $726 a year for a standard homeowners insurance policy in Hereford. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Hereford, PA Homeowners Insurance Quotes Online

18056 Home Insurance Average Premiums

Local 18056 homeowners insurance quotes comparison

$476 /yr.

Shows Zip Code: 18056 lowest rates with discounts applied on average.

For the 18056, 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)
$476 /yr.
Average Coverage:$726 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1026 /yr.

What is the average home insurance cost for a home in 18056?

  • • The average homeowners insurance premium paid annually for a home in 18056 is around $726 per year.

What does it cost on average per month for home insurance in 18056?

  • • Homeowners in 18056 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 18056?

  • • Autoowners in 18056 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 Hereford area, check out other zip codes nearby 18056.
Review average rates in another zip code:
18056 homeowners insurance rates

Home Replacement Cost Coverage in 18056

Average Building Cost Per Square Foot in 18056: $136

Location: Hereford, Pennsylvania (Berks County)

Average Square Footage in 18056: 210 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18056 before you start any project. Hereford 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 18056 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 18056 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 210 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 Hereford 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$136210$28,600
Additional Upgrades & Added Features$170210$35,750
Major Home Updates or Advancements$204210$42,900

It's important to understand that when you estimate your replacement cost of your home in the 18056 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 18056

Best Home & Auto Insurance Agencies in 18056

Housing Demographics for 18056

Population Review for 18056 Zip Code

For the city of Hereford, the population within 18056 has increased to over 946 residents in population size. The current population total is 951. We have broken down the population based on race below. In 18056, there are over 478 in male population and 473 females.

PopulationValues
Total Population951
White Population883
Black Population6
Hispanic Population49
Asian Population0
Hawaiian Population0
Indian Population2
Other Population20
Male Population478
Female Population473
Population Estimate946

Household Data for 18056

The average number of homes in 18056 is around 442, there are an average of 2.15 per household. The average house value according to local real estate values is around $28,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode442
Persons Per Household2.15
Average House Value$28,600
Income Per Household$54643
Median Age50.8
Median Age Male50.8
Median Age Female50.9
18056 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code835
CityHereford
City Alias NameHEREFORD
CountyBerks
County FIPS011
State FIPS42
Time Zone5
Day Light SavingY
MSA6680
PMSA
CSA428
CBSA39740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameReading, PA
MSA_NameReading, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses11
Number Of Employees51
Business First Quarter Payroll490
Business Annual Payroll2600
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population411442
CBSA Division Population0
Congressional District04
Congressional LandArea1517.84
Delivery Residential440
Delivery Business6
Delivery Total1430
Preferred Last Line KeyX18874
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX18874
Land Area1.144000
Water Area0.004000
City Alias Code
City Mixed CaseHereford
City Alias Mixed CaseHereford
Box Count248
SFDU93
MFDU0
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number413616
Unique ZIP Name
SSA State County Code39110
Medicare CBSA Code39740
Medicare CBSA NameReading, PA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseBerks

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 […]