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18709, PA Homeowners Insurance Rates

With a population size of 2,779 and with 1,374 occupied homes in the 18709 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Luzerne, PA are around $722 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Luzerne, Pennsylvania. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Pennsylvania home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Luzerne, PA.

For Pennsylvania home insurance information, including average Luzerne home insurance rates, coverage options or the different homeowners insurance types, please select Luzerne, PA Home Insurance Quotes Now!

18709 Home Insurance Average Premiums

Local 18709 homeowners insurance quotes comparison

$472 /yr.

Shows Zip Code: 18709 lowest rates with discounts applied on average.

For the 18709, 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 18709?

  • • The average homeowners insurance premium paid annually for a home in 18709 is around $722 per year.

What does it cost on average per month for home insurance in 18709?

  • • Homeowners in 18709 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 18709?

  • • Autoowners in 18709 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 Luzerne area, check out other zip codes nearby 18709.
Review average rates in another zip code:
18709 homeowners insurance rates

Home Replacement Cost Coverage in 18709

Average Building Cost Per Square Foot in 18709: $136

Location: Luzerne, Pennsylvania (Luzerne County)

Average Square Footage in 18709: 688 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18709 before you start any project. Luzerne 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 18709 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 18709 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 688 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 Luzerne 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$136688$93,500
Additional Upgrades & Added Features$170688$116,875
Major Home Updates or Advancements$204688$140,250

It's important to understand that when you estimate your replacement cost of your home in the 18709 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 18709

Allstate Insurance Companies - Sales Offices

Address: 572 Union Street Luzerne, PA 18709
Phone: (570)283-8300
Website: www.allstate.com

Best Home & Auto Insurance Agencies in 18709

Allstate Insurance Companies - Sales Offices

Address: 572 Union St Luzerne, PA 18709
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Housing Demographics for 18709

Population Review for 18709 Zip Code

For the city of Luzerne, the population within 18709 has increased to over 2,870 residents in population size. The current population total is 2,779. We have broken down the population based on race below. In 18709, there are over 1379 in male population and 1400 females.

PopulationValues
Total Population2,779
White Population2548
Black Population50
Hispanic Population85
Asian Population14
Hawaiian Population2
Indian Population3
Other Population39
Male Population1379
Female Population1400
Population Estimate2870

Household Data for 18709

The average number of homes in 18709 is around 1,374, there are an average of 2.02 per household. The average house value according to local real estate values is around $93,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,374
Persons Per Household2.02
Average House Value$93,500
Income Per Household$40641
Median Age46.8
Median Age Male43.7
Median Age Female49.4
18709 DetailsValues
StatePA
State Full NamePennsylvania
City TypeB
City Alias Abbreviation
Area Code570
CityLuzerne
City Alias NameLUZERNE
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 Businesses84
Number Of Employees932
Business First Quarter Payroll7227
Business Annual Payroll32577
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 Residential1421
Delivery Business157
Delivery Total1756
Preferred Last Line KeyX19541
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX19541
Land Area0.760000
Water Area0.000000
City Alias Code
City Mixed CaseLuzerne
City Alias Mixed CaseLuzerne
Box Count45
SFDU1302
MFDU111
State ANSI42
County ANSI079
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number419260
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 […]