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18249, PA Homeowners Insurance Rates

With a population size of 4,151 and with 1,674 occupied homes in the 18249 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Sugarloaf, PA are around $725 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Sugarloaf, Pennsylvania. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Pennsylvania home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Sugarloaf, PA.

For Pennsylvania home insurance information, including average Sugarloaf home insurance rates, coverage options or the different homeowners insurance types, please select Sugarloaf, PA Home Insurance Quotes Now!

18249 Home Insurance Average Premiums

Local 18249 homeowners insurance quotes comparison

$475 /yr.

Shows Zip Code: 18249 lowest rates with discounts applied on average.

For the 18249, 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)
$475 /yr.
Average Coverage:$725 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1025 /yr.

What is the average home insurance cost for a home in 18249?

  • • The average homeowners insurance premium paid annually for a home in 18249 is around $725 per year.

What does it cost on average per month for home insurance in 18249?

  • • Homeowners in 18249 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 18249?

  • • Autoowners in 18249 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 Sugarloaf area, check out other zip codes nearby 18249.
Review average rates in another zip code:
18249 homeowners insurance rates

Home Replacement Cost Coverage in 18249

Average Building Cost Per Square Foot in 18249: $136

Location: Sugarloaf, Pennsylvania (Luzerne County)

Average Square Footage in 18249: 1,611 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18249 before you start any project. Sugarloaf 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 18249 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 18249 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,611 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 Sugarloaf 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$1361,611$219,100
Additional Upgrades & Added Features$1701,611$273,875
Major Home Updates or Advancements$2041,611$328,650

It's important to understand that when you estimate your replacement cost of your home in the 18249 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 18249

Best Home & Auto Insurance Agencies in 18249

Housing Demographics for 18249

Population Review for 18249 Zip Code

For the city of Sugarloaf, the population within 18249 has increased to over 4,163 residents in population size. The current population total is 4,151. We have broken down the population based on race below. In 18249, there are over 2085 in male population and 2066 females.

PopulationValues
Total Population4,151
White Population3831
Black Population32
Hispanic Population166
Asian Population60
Hawaiian Population0
Indian Population2
Other Population66
Male Population2085
Female Population2066
Population Estimate4163

Household Data for 18249

The average number of homes in 18249 is around 1,674, there are an average of 2.48 per household. The average house value according to local real estate values is around $219,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,674
Persons Per Household2.48
Average House Value$219,100
Income Per Household$87460
Median Age49.8
Median Age Male49.6
Median Age Female50.0
18249 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code570/272
CitySugarloaf
City Alias NameSUGARLOAF
CountyLuzerne
County FIPS079
State FIPS42
Time Zone5
Day Light SavingY
MSA7560
PMSA
CSA
CBSA42540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameScranton--Wilkes-Barre, PA
MSA_NameScranton--Wilkes-Barre--Hazleton, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses81
Number Of Employees424
Business First Quarter Payroll3459
Business Annual Payroll18134
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population563631
CBSA Division Population0
Congressional District08|09
Congressional LandArea706.93|5730.09
Delivery Residential1679
Delivery Business63
Delivery Total1814
Preferred Last Line KeyX1B409
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX1B409
Land Area33.082000
Water Area0.026000
City Alias Code
City Mixed CaseSugarloaf
City Alias Mixed CaseSugarloaf
Box Count65
SFDU1676
MFDU0
State ANSI42
County ANSI079
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number418224
Unique ZIP Name
SSA State County Code39480
Medicare CBSA Code42540
Medicare CBSA NameScranton--Wilkes-Barre, PA
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseLuzerne

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 […]