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Homeowners Insurance in 18509

Getting the most affordable home insurance rates in 18509 just got easier for Scranton, PA home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Scranton. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Scranton, PA Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 18509

When discussing Pennsylvania homeowners insurance rates, Scranton residents are finding new ways to save time and money by discovering lower rates when they shop online. Pennsylvania may not be the cheapest state in the country to purchase homeowners insurance, but it does rank lower than average at a nationwide rank of 41. Residents that live within the 18509 zipcode are currently paying $722 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Scranton does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

18509 Home Insurance Average Premiums

Local 18509 homeowners insurance quotes comparison

$472 /yr.

Shows Zip Code: 18509 lowest rates with discounts applied on average.

For the 18509, 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)
$472 /yr.
Average Coverage:$722 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1022 /yr.

What is the average home insurance cost for a home in 18509?

  • • The average homeowners insurance premium paid annually for a home in 18509 is around $722 per year.

What does it cost on average per month for home insurance in 18509?

  • • Homeowners in 18509 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 18509?

  • • Autoowners in 18509 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 Scranton area, check out other zip codes nearby 18509.
Review average rates in another zip code:
18519 homeowners insurance rates
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18504 homeowners insurance rates
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18512 homeowners insurance rates
18510 homeowners insurance rates
18505 homeowners insurance rates
18503 homeowners insurance rates

Home Replacement Cost Coverage in 18509

Average Building Cost Per Square Foot in 18509: $136

Location: Scranton, Pennsylvania (Lackawanna County)

Average Square Footage in 18509: 1,070 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18509 before you start any project. Scranton 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 18509 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 18509 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,070 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 Scranton 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$1361,070$145,500
Additional Upgrades & Added Features$1701,070$181,875
Major Home Updates or Advancements$2041,070$218,250

It's important to understand that when you estimate your replacement cost of your home in the 18509 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 18509

Best Home & Auto Insurance Agencies in 18509

Allstate Insurance Company - John Giguere

Address: 920 North Washington Avenue Scranton, PA 18509
Phone:
Website: http://www.allstateagencies.com/johngiguere/Welcome/
Info:

Insurance Store

Address: 700 E Market St Scranton, PA 18509
Phone:
Website:
Info:

Ryan, John - State Farm Insurance Agent

Address: 1368 North Washington Avenue Scranton, PA 18509
Phone:
Website: http://www.wilkesbarre.citysearch.com/profile/external/46266965/scranton_pa/ryan_john_state_farm_insurance_agent.html
Info:

Connor-Helring Associates, Incorporated

Address: 1906 Sanderson Avenue Scranton, PA 18509
Phone:
Website: http://www.connor-helring.com/
Info:

Gilmartin Insurance Agency

Address: 1440 N Washington Ave Scranton, PA 18509
Phone:
Website:
Info:

Housing Demographics for 18509

Population Review for 18509 Zip Code

For the city of Scranton, the population within 18509 has increased to over 12,308 residents in population size. The current population total is 13,720. We have broken down the population based on race below. In 18509, there are over 6775 in male population and 6945 females.

PopulationValues
Total Population13,720
White Population10827
Black Population1085
Hispanic Population1452
Asian Population317
Hawaiian Population4
Indian Population48
Other Population675
Male Population6775
Female Population6945
Population Estimate12308

Household Data for 18509

The average number of homes in 18509 is around 5,089, there are an average of 2.29 per household. The average house value according to local real estate values is around $145,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,089
Persons Per Household2.29
Average House Value$145,500
Income Per Household$47531
Median Age38.4
Median Age Male37.1
Median Age Female40.4
18509 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code272/570
CityScranton
City Alias NameSCRANTON
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 Businesses299
Number Of Employees5599
Business First Quarter Payroll52030
Business Annual Payroll226270
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 Residential5375
Delivery Business457
Delivery Total6186
Preferred Last Line KeyX1A957
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX1A957
Land Area2.957000
Water Area0.000000
City Alias Code
City Mixed CaseScranton
City Alias Mixed CaseScranton
Box Count0
SFDU4718
MFDU538
State ANSI42
County ANSI069
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number417540
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

  • 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 […]