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18618 Home Insurance Rates & Premiums

Did you know there are over 3,732 people living within the 18618 zip code area? There are over 1,654 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 18618.

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 $713 a year for a standard homeowners insurance policy in Harveys Lake. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Harveys Lake, PA Homeowners Insurance Quotes Online

18618 Home Insurance Average Premiums

Local 18618 homeowners insurance quotes comparison

$463 /yr.

Shows Zip Code: 18618 lowest rates with discounts applied on average.

For the 18618, 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)		$463 /yr.
Average Coverage:$713 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1013 /yr.

What is the average home insurance cost for a home in 18618?

  • • The average homeowners insurance premium paid annually for a home in 18618 is around $713 per year.

What does it cost on average per month for home insurance in 18618?

  • • Homeowners in 18618 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 18618?

  • • Autoowners in 18618 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 Harveys Lake area, check out other zip codes nearby 18618.
Review average rates in another zip code:
18618 homeowners insurance rates

Home Replacement Cost Coverage in 18618

Average Building Cost Per Square Foot in 18618: $136

Location: Harveys Lake, Pennsylvania (Luzerne County)

Average Square Footage in 18618: 1,357 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18618 before you start any project. Harveys Lake 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 18618 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 18618 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,357 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 Harveys Lake 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$1361,357$184,600
Additional Upgrades & Added Features$1701,357$230,750
Major Home Updates or Advancements$2041,357$276,900

It's important to understand that when you estimate your replacement cost of your home in the 18618 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 18618

Best Home & Auto Insurance Agencies in 18618

Housing Demographics for 18618

Population Review for 18618 Zip Code

For the city of Harveys Lake, the population within 18618 has increased to over 3,895 residents in population size. The current population total is 3,732. We have broken down the population based on race below. In 18618, there are over 1816 in male population and 1916 females.

PopulationValues
Total Population3,732
White Population3557
Black Population8
Hispanic Population43
Asian Population7
Hawaiian Population1
Indian Population4
Other Population12
Male Population1816
Female Population1916
Population Estimate3895

Household Data for 18618

The average number of homes in 18618 is around 1,654, there are an average of 2.24 per household. The average house value according to local real estate values is around $184,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,654
Persons Per Household2.24
Average House Value$184,600
Income Per Household$76625
Median Age49.4
Median Age Male47.7
Median Age Female50.7
18618 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code272/570
CityHarveys Lake
City Alias NameHARVEYS LAKE
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 Businesses45
Number Of Employees259
Business First Quarter Payroll1717
Business Annual Payroll7968
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 Residential1739
Delivery Business39
Delivery Total1921
Preferred Last Line KeyX18815
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyX18815
Land Area21.187000
Water Area1.025000
City Alias Code
City Mixed CaseHarveys Lake
City Alias Mixed CaseHarveys Lake
Box Count66
SFDU1677
MFDU0
State ANSI42
County ANSI079
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number413516
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

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