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18461 Home Insurance Rates & Premiums

Did you know there are over 313 people living within the 18461 zip code area? There are over 159 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 18461.

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 $763 a year for a standard homeowners insurance policy in Starlight. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Starlight, PA Homeowners Insurance Quotes Online

18461 Home Insurance Average Premiums

Local 18461 homeowners insurance quotes comparison

$513 /yr.

Shows Zip Code: 18461 lowest rates with discounts applied on average.

For the 18461, 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)		$513 /yr.
Average Coverage:$763 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1063 /yr.

What is the average home insurance cost for a home in 18461?

  • • The average homeowners insurance premium paid annually for a home in 18461 is around $763 per year.

What does it cost on average per month for home insurance in 18461?

  • • Homeowners in 18461 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 18461?

  • • Autoowners in 18461 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 Starlight area, check out other zip codes nearby 18461.
Review average rates in another zip code:
18461 homeowners insurance rates

Home Replacement Cost Coverage in 18461

Average Building Cost Per Square Foot in 18461: $136

Location: Starlight, Pennsylvania (Wayne County)

Average Square Footage in 18461: 1,131 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18461 before you start any project. Starlight 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 18461 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 18461 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,131 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 Starlight 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$1361,131$153,800
Additional Upgrades & Added Features$1701,131$192,250
Major Home Updates or Advancements$2041,131$230,700

It's important to understand that when you estimate your replacement cost of your home in the 18461 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 18461

Best Home & Auto Insurance Agencies in 18461

Housing Demographics for 18461

Population Review for 18461 Zip Code

For the city of Starlight, the population within 18461 has increased to over 413 residents in population size. The current population total is 313. We have broken down the population based on race below. In 18461, there are over 149 in male population and 164 females.

PopulationValues
Total Population313
White Population294
Black Population0
Hispanic Population8
Asian Population0
Hawaiian Population0
Indian Population0
Other Population2
Male Population149
Female Population164
Population Estimate413

Household Data for 18461

The average number of homes in 18461 is around 159, there are an average of 1.97 per household. The average house value according to local real estate values is around $153,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode159
Persons Per Household1.97
Average House Value$153,800
Income Per Household$35694
Median Age51.3
Median Age Male51.2
Median Age Female51.5
18461 DetailsValues
StatePA
State Full NamePennsylvania
City TypeN
City Alias Abbreviation
Area Code570
CityStarlight
City Alias NameSTARLIGHT
CountyWayne
County FIPS127
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses8
Number Of Employees28
Business First Quarter Payroll238
Business Annual Payroll1886
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District08
Congressional LandArea706.93
Delivery Residential210
Delivery Business7
Delivery Total217
Preferred Last Line Key018582
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State Key018582
Land Area19.413000
Water Area0.564000
City Alias Code
City Mixed CaseStarlight
City Alias Mixed CaseStarlight
Box Count0
SFDU210
MFDU0
State ANSI42
County ANSI127
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number418276
Unique ZIP Name
SSA State County Code39760
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseWayne

Pennsylvania Homeowners Insurance News & Information

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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]