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18471 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 18471 zip code find a great new policy that offers the coverage they need at a price they can afford.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 18471 and start shopping.

Quickly and Easily Compare Average Rates for 18471

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Waverly, PA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 18471

Homeowners in Waverly are paying roughly $700 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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18471 Home Insurance Average Premiums

Local 18471 homeowners insurance quotes comparison

$450 /yr.

Shows Zip Code: 18471 lowest rates with discounts applied on average.

For the 18471, 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)
$450 /yr.
Average Coverage:$700 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1000 /yr.

What is the average home insurance cost for a home in 18471?

  • • The average homeowners insurance premium paid annually for a home in 18471 is around $700 per year.

What does it cost on average per month for home insurance in 18471?

  • • Homeowners in 18471 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 18471?

  • • Autoowners in 18471 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 Waverly area, check out other zip codes nearby 18471.
Review average rates in another zip code:
18471 homeowners insurance rates

Home Replacement Cost Coverage in 18471

Average Building Cost Per Square Foot in 18471: $136

Location: Waverly, Pennsylvania (Lackawanna County)

Average Square Footage in 18471: 2,335 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18471 before you start any project. Waverly 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 18471 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 18471 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,335 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 Waverly 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$1362,335$317,500
Additional Upgrades & Added Features$1702,335$396,875
Major Home Updates or Advancements$2042,335$476,250

It's important to understand that when you estimate your replacement cost of your home in the 18471 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 18471

Best Home & Auto Insurance Agencies in 18471

Housing Demographics for 18471

Population Review for 18471 Zip Code

For the city of Waverly, the population within 18471 has increased to over 0 residents in population size. The current population total is 722. We have broken down the population based on race below. In 18471, there are over 326 in male population and 396 females.

PopulationValues
Total Population722
White Population657
Black Population1
Hispanic Population18
Asian Population28
Hawaiian Population0
Indian Population0
Other Population2
Male Population326
Female Population396
Population Estimate0

Household Data for 18471

The average number of homes in 18471 is around 271, there are an average of 2.66 per household. The average house value according to local real estate values is around $317,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode271
Persons Per Household2.66
Average House Value$317,500
Income Per Household$109519
Median Age40.2
Median Age Male41.7
Median Age Female39.6
18471 DetailsValues
StatePA
State Full NamePennsylvania
City TypeZ
City Alias Abbreviation
Area Code570
CityWaverly
City Alias NameWAVERLY
CountyLackawanna
County FIPS069
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 Businesses22
Number Of Employees192
Business First Quarter Payroll1927
Business Annual Payroll8363
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
Congressional LandArea706.93
Delivery Residential0
Delivery Business0
Delivery Total362
Preferred Last Line KeyX1B831
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX1B831
Land Area2.013000
Water Area0.003000
City Alias Code
City Mixed CaseWaverly
City Alias Mixed CaseWaverly
Box Count305
SFDU0
MFDU0
State ANSI42
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number418952
Unique ZIP Name
SSA State County Code39420
Medicare CBSA Code42540
Medicare CBSA NameScranton--Wilkes-Barre, PA
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseLackawanna

Pennsylvania Homeowners Insurance News & Information

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

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  • 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 […]