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18642 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 18642 zip code it's important to know that our rates are very competitive for homeowners living in Duryea, PA. Many homeowners based out of your 18642 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Pennsylvania licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 18642 should appear in the zip code field ready to go. For Duryea, PA Homeowners Insurance Quotes nearby, we offer the best rates and service.

18642: Average Home Insurance Rates

For homeowners living in the great city of Duryea, the average homeowners policy is considered very low in comparison to other states. Pennsylvania premiums are estimated to be around $751 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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18642 Home Insurance Average Premiums

Local 18642 homeowners insurance quotes comparison

$501 /yr.

Shows Zip Code: 18642 lowest rates with discounts applied on average.

For the 18642, 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)
$501 /yr.
Average Coverage:$751 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1051 /yr.

What is the average home insurance cost for a home in 18642?

  • • The average homeowners insurance premium paid annually for a home in 18642 is around $751 per year.

What does it cost on average per month for home insurance in 18642?

  • • Homeowners in 18642 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 18642?

  • • Autoowners in 18642 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 Duryea area, check out other zip codes nearby 18642.
Review average rates in another zip code:
18642 homeowners insurance rates

Home Replacement Cost Coverage in 18642

Average Building Cost Per Square Foot in 18642: $136

Location: Duryea, Pennsylvania (Luzerne County)

Average Square Footage in 18642: 910 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18642 before you start any project. Duryea 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 18642 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 18642 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 910 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 Duryea 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$136910$123,800
Additional Upgrades & Added Features$170910$154,750
Major Home Updates or Advancements$204910$185,700

It's important to understand that when you estimate your replacement cost of your home in the 18642 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 18642

Best Home & Auto Insurance Agencies in 18642

Housing Demographics for 18642

Population Review for 18642 Zip Code

For the city of Duryea, the population within 18642 has increased to over 4,647 residents in population size. The current population total is 4,547. We have broken down the population based on race below. In 18642, there are over 2263 in male population and 2284 females.

PopulationValues
Total Population4,547
White Population4216
Black Population58
Hispanic Population158
Asian Population60
Hawaiian Population1
Indian Population3
Other Population60
Male Population2263
Female Population2284
Population Estimate4647

Household Data for 18642

The average number of homes in 18642 is around 1,971, there are an average of 2.31 per household. The average house value according to local real estate values is around $123,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,971
Persons Per Household2.31
Average House Value$123,800
Income Per Household$71939
Median Age45.6
Median Age Male43.9
Median Age Female47.4
18642 DetailsValues
StatePA
State Full NamePennsylvania
City TypeB
City Alias Abbreviation
Area Code570/272
CityDuryea
City Alias NameDURYEA
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 Businesses59
Number Of Employees1735
Business First Quarter Payroll22470
Business Annual Payroll108250
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 Residential2012
Delivery Business87
Delivery Total2326
Preferred Last Line KeyX18049
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX18049
Land Area5.361000
Water Area0.189000
City Alias Code
City Mixed CaseDuryea
City Alias Mixed CaseDuryea
Box Count26
SFDU1870
MFDU115
State ANSI42
County ANSI079
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationC
Finance Number416616
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 […]