Get multiple home insurance quotes in 18091. Our licensed 18091, PA agents are ready to serve you.

18091 Home Insurance Rates

For homeowners living in 18091, the population estimates are increasing to well over 5,767 with 2,392 occupied homes within the zip code of 18091. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Wind Gap have increased and the average home insurance premium is around $785 per year in 18091. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 18091 zip code today so we can help you find affordable Wind Gap, PA home insurance premiums.

Compare Multiple Homeowners Insurance Rates in 18091

Please select one of the three options below based on your 18091 zip code to learn more about Pennsylvania homeowners insurance, plus review average rates and information per state, county or city.

  1. Pennsylvania Homeowners Insurance Quotes
  2. Northampton County, PA Home Insurance
  3. Wind Gap, PA Home Insurance Quotes

18091 Average Home Insurance Rating Cost is: Very Low!

Getting cheaper homeowners insurance in the 18091 zip code just got easier with GetHomeInsuranceQuotes.com of Wind Gap, PA. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 18091 today and let us help you review the best home insurance quotes available for homeowners living in Wind Gap.

Get 18091 Homeowners Insurance Rates Now!

18091 Home Insurance Average Premiums

Local 18091 homeowners insurance quotes comparison

$535 /yr.

Shows Zip Code: 18091 lowest rates with discounts applied on average.

For the 18091, 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)
$535 /yr.
Average Coverage:$785 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1085 /yr.

What is the average home insurance cost for a home in 18091?

  • • The average homeowners insurance premium paid annually for a home in 18091 is around $785 per year.

What does it cost on average per month for home insurance in 18091?

  • • Homeowners in 18091 pay a monthly average cost per month around $65.00.

What kind of discount could I get if I combine my home and auto insurance together in 18091?

  • • Autoowners in 18091 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 Wind Gap area, check out other zip codes nearby 18091.
Review average rates in another zip code:
18091 homeowners insurance rates

Home Replacement Cost Coverage in 18091

Average Building Cost Per Square Foot in 18091: $136

Location: Wind Gap, Pennsylvania (Northampton County)

Average Square Footage in 18091: 1,743 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18091 before you start any project. Wind Gap 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 18091 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 18091 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,743 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 Wind Gap 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$1361,743$237,100
Additional Upgrades & Added Features$1701,743$296,375
Major Home Updates or Advancements$2041,743$355,650

It's important to understand that when you estimate your replacement cost of your home in the 18091 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 18091

Best Home & Auto Insurance Agencies in 18091

Henry Mckeen & Son

Address: PO Box 609 Wind Gap, PA 18091
Phone:
Website:
Info:

Allstate Insurance

Address: 21 W 2nd St Wind Gap, PA 18091
Phone:
Website:
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Hoelzel Insurance Inc

Address: 106 W Moorestown Rd Wind Gap, PA 18091
Phone:
Website:
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Harner- Nancy M

Address: 21 S Broadway Wind Gap, PA 18091
Phone:
Website:
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Housing Demographics for 18091

Population Review for 18091 Zip Code

For the city of Wind Gap, the population within 18091 has increased to over 6,494 residents in population size. The current population total is 5,767. We have broken down the population based on race below. In 18091, there are over 2883 in male population and 2884 females.

PopulationValues
Total Population5,767
White Population5235
Black Population93
Hispanic Population259
Asian Population47
Hawaiian Population0
Indian Population14
Other Population63
Male Population2883
Female Population2884
Population Estimate6494

Household Data for 18091

The average number of homes in 18091 is around 2,392, there are an average of 2.41 per household. The average house value according to local real estate values is around $237,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,392
Persons Per Household2.41
Average House Value$237,100
Income Per Household$63770
Median Age45.9
Median Age Male45.3
Median Age Female46.8
18091 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code835/610/484/570
CityWind Gap
City Alias NameWIND GAP
CountyNorthampton
County FIPS095
State FIPS42
Time Zone5
Day Light SavingY
MSA0240
PMSA
CSA106
CBSA10900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAllentown-Bethlehem-Easton, PA-NJ
MSA_NameAllentown-Bethlehem-Easton, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses171
Number Of Employees1547
Business First Quarter Payroll13034
Business Annual Payroll61369
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population821173
CBSA Division Population0
Congressional District07
Congressional LandArea862.56
Delivery Residential2695
Delivery Business228
Delivery Total3512
Preferred Last Line KeyX1C058
Classification Code
Multi-County
CSA NameAllentown-Bethlehem-East Stroudsburg, PA-NJ
CBSA_DIV_Name
City State KeyX1C058
Land Area14.839000
Water Area0.239000
City Alias Code
City Mixed CaseWind Gap
City Alias Mixed CaseWind Gap
Box Count134
SFDU2132
MFDU51
State ANSI42
County ANSI095
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number419320
Unique ZIP Name
SSA State County Code39590
Medicare CBSA Code10900
Medicare CBSA NameAllentown-Bethlehem-Easton, PA-NJ
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CaseNorthampton

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 […]