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Home Insurance in 19506

If your primary reason for shopping for homeowners insurance in the 19506 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Bernville, PA. Many homeowners that live in the 19506 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Pennsylvania licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 19506 zip code should already appear in the zip code field ready to go. For Bernville, PA Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 19506

Homeowners living in the city of Bernville are paying on average around $695 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 19506 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Pennsylvania home insurance premiums have been recently ranked 41 in the country in terms of the annual cost of premiums. Because premiums in 19506 are lower compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 19506 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Bernville. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

19506 Home Insurance Average Premiums

Local 19506 homeowners insurance quotes comparison

$445 /yr.

Shows Zip Code: 19506 lowest rates with discounts applied on average.

For the 19506, 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)
$445 /yr.
Average Coverage:$695 /yr.
2600 sq. ft. or higher
(all discounts applied)
$995 /yr.

What is the average home insurance cost for a home in 19506?

  • • The average homeowners insurance premium paid annually for a home in 19506 is around $695 per year.

What does it cost on average per month for home insurance in 19506?

  • • Homeowners in 19506 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 19506?

  • • Autoowners in 19506 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 Bernville area, check out other zip codes nearby 19506.
Review average rates in another zip code:
19506 homeowners insurance rates

Home Replacement Cost Coverage in 19506

Average Building Cost Per Square Foot in 19506: $136

Location: Bernville, Pennsylvania (Berks County)

Average Square Footage in 19506: 1,852 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19506 before you start any project. Bernville 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 19506 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 19506 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,852 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 Bernville 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$1361,852$251,900
Additional Upgrades & Added Features$1701,852$314,875
Major Home Updates or Advancements$2041,852$377,850

It's important to understand that when you estimate your replacement cost of your home in the 19506 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 19506

Best Home & Auto Insurance Agencies in 19506

Allstate Insurance Company - Toni Van Horn

Address: 120 S Main St Bernville, PA 19506
Phone:
Website: http://www.national.citysearch.com/profile/external/631096100/bernville_pa/allstate_insurance_company_toni_van_horn.html
Info:

Housing Demographics for 19506

Population Review for 19506 Zip Code

For the city of Bernville, the population within 19506 has increased to over 7,227 residents in population size. The current population total is 7,443. We have broken down the population based on race below. In 19506, there are over 3797 in male population and 3646 females.

PopulationValues
Total Population7,443
White Population6749
Black Population75
Hispanic Population436
Asian Population50
Hawaiian Population9
Indian Population23
Other Population157
Male Population3797
Female Population3646
Population Estimate7227

Household Data for 19506

The average number of homes in 19506 is around 2,737, there are an average of 2.72 per household. The average house value according to local real estate values is around $251,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,737
Persons Per Household2.72
Average House Value$251,900
Income Per Household$88125
Median Age43.8
Median Age Male42.7
Median Age Female44.8
19506 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code484/610/610/835
CityBernville
City Alias NameBERNVILLE
CountyBerks
County FIPS011
State FIPS42
Time Zone5
Day Light SavingY
MSA6680
PMSA
CSA428
CBSA39740
CBSA_DIV
CBSA_TypeMetro
CBSA_NameReading, PA
MSA_NameReading, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses122
Number Of Employees751
Business First Quarter Payroll7107
Business Annual Payroll35173
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population411442
CBSA Division Population0
Congressional District04|09
Congressional LandArea1517.84|5730.09
Delivery Residential2657
Delivery Business72
Delivery Total3259
Preferred Last Line KeyX17188
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX17188
Land Area63.335000
Water Area1.264000
City Alias Code
City Mixed CaseBernville
City Alias Mixed CaseBernville
Box Count275
SFDU2641
MFDU0
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number410604
Unique ZIP Name
SSA State County Code39110
Medicare CBSA Code39740
Medicare CBSA NameReading, PA
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseBerks

Pennsylvania Homeowners Insurance News & Information

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  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

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  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

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