18104 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 18104? There are over 18,130 occupied homes in the 18104 area. With a population size of 47,289, it's not uncommon for residence of Allentown, PA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Pennsylvania is around $699 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 18104 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Allentown, PA Home Insurance Rate Quotes

18104 Home Insurance Average Premiums

Local 18104 homeowners insurance quotes comparison

$449 /yr.

Shows Zip Code: 18104 lowest rates with discounts applied on average.

For the 18104, 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)	$449 /yr.
Average Coverage:	$699 /yr.
2600 sq. ft. or higher (all discounts applied)	$999 /yr.

What is the average home insurance cost for a home in 18104?

• The average homeowners insurance premium paid annually for a home in 18104 is around $699 per year.

What does it cost on average per month for home insurance in 18104?

• Homeowners in 18104 pay a monthly average cost per month around $58.00.

What kind of discount could I get if I combine my home and auto insurance together in 18104?

• Autoowners in 18104 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 Allentown area, check out other zip codes nearby 18104.
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Home Replacement Cost Coverage in 18104

Average Building Cost Per Square Foot in 18104: $136

Location: Allentown, Pennsylvania (Lehigh County)

Average Square Footage in 18104: 1,863 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18104 before you start any project. Allentown 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 18104 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 18104 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,863 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 Allentown 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$136	1,863	$253,400
Additional Upgrades & Added Features	$170	1,863	$316,750
Major Home Updates or Advancements	$204	1,863	$380,100

Calculate Your Dwelling Coverage in 18104

It's important to understand that when you estimate your replacement cost of your home in the 18104 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 Home & Auto Insurance Agencies in 18104

Ian D Webb

Address: 827 N 19th St Allentown, PA 18104
Phone:
Website: http://www.allentown.citysearch.com/profile/external/8843233/allentown_pa/ian_d_webb.html
Info:

Allstate Insurance-Bill Heydt

Address: 121 N Cedar Crest Blvd Allentown, PA 18104
Phone:
Website: http://www.agent.allstate.com/16404
Info:

Block Insurance Agency Inc

Address: 2333 W Highland St Allentown, PA 18104
Phone:
Website:
Info:

Bleiler, James - Bleiler Insurance

Address: 615 N 20th St Allentown, PA 18104
Phone:
Website:
Info:

Arbor Insurance Group

Address: 1605 N Cedar Crest Blvd Allentown, PA 18104
Phone:
Website: http://www.arborinsurancegroup.com/
Info:

Housing Demographics for 18104

Population Review for 18104 Zip Code

For the city of Allentown, the population within 18104 has increased to over 47,152 residents in population size. The current population total is 47,289. We have broken down the population based on race below. In 18104, there are over 22296 in male population and 24993 females.

Population	Values
Total Population	47,289
White Population	32685
Black Population	3232
Hispanic Population	7950
Asian Population	3358
Hawaiian Population	19
Indian Population	134
Other Population	3821
Male Population	22296
Female Population	24993
Population Estimate	47152

Household Data for 18104

The average number of homes in 18104 is around 18,130, there are an average of 2.45 per household. The average house value according to local real estate values is around $253,400. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	18,130
Persons Per Household	2.45
Average House Value	$253,400
Income Per Household	$76972
Median Age	42.0
Median Age Male	40.5
Median Age Female	43.7

18104 Details	Values
State	PA
State Full Name	Pennsylvania
City Type	P
City Alias Abbreviation
Area Code	835/484/610
City	Allentown
City Alias Name	ALLENTOWN
County	Lehigh
County FIPS	077
State FIPS	42
Time Zone	5
Day Light Saving	Y
MSA	0240
PMSA
CSA	106
CBSA	10900
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Allentown-Bethlehem-Easton, PA-NJ
MSA_Name	Allentown-Bethlehem-Easton, PA MSA
PMSA_Name
Region	Northeast
Division	Middle Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	1222
Number Of Employees	22503
Business First Quarter Payroll	285423
Business Annual Payroll	1252986
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	821173
CBSA Division Population	0
Congressional District	07
Congressional LandArea	862.56
Delivery Residential	19246
Delivery Business	1143
Delivery Total	22824
Preferred Last Line Key	X16937
Classification Code
Multi-County
CSA Name	Allentown-Bethlehem-East Stroudsburg, PA-NJ
CBSA_DIV_Name
City State Key	X16937
Land Area	22.952000
Water Area	0.185000
City Alias Code
City Mixed Case	Allentown
City Alias Mixed Case	Allentown
Box Count	0
SFDU	14309
MFDU	2486
State ANSI	42
County ANSI	077
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	410128
Unique ZIP Name
SSA State County Code	39470
Medicare CBSA Code	10900
Medicare CBSA Name	Allentown-Bethlehem-Easton, PA-NJ
Medicare CBSA Type	Metro
Market Rating Area ID	6
County Mixed Case	Lehigh

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 […]

Home Insurance Quotes in 18104!