Get multiple home insurance quotes in 19530. Our licensed 19530, PA agents are ready to serve you.

19530 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 19530? There are over 4,793 occupied homes in the 19530 area. With a population size of 14,830, it's not uncommon for residence of Kutztown, PA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Pennsylvania is around $720 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 19530 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Kutztown, PA Home Insurance Rate Quotes

19530 Home Insurance Average Premiums

Local 19530 homeowners insurance quotes comparison

$470 /yr.

Shows Zip Code: 19530 lowest rates with discounts applied on average.

For the 19530, 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)
$470 /yr.
Average Coverage:$720 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1020 /yr.

What is the average home insurance cost for a home in 19530?

  • • The average homeowners insurance premium paid annually for a home in 19530 is around $720 per year.

What does it cost on average per month for home insurance in 19530?

  • • Homeowners in 19530 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 19530?

  • • Autoowners in 19530 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 Kutztown area, check out other zip codes nearby 19530.
Review average rates in another zip code:
19530 homeowners insurance rates

Home Replacement Cost Coverage in 19530

Average Building Cost Per Square Foot in 19530: $136

Location: Kutztown, Pennsylvania (Berks County)

Average Square Footage in 19530: 1,601 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19530 before you start any project. Kutztown 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 19530 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 19530 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,601 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 Kutztown 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$1361,601$217,700
Additional Upgrades & Added Features$1701,601$272,125
Major Home Updates or Advancements$2041,601$326,550

It's important to understand that when you estimate your replacement cost of your home in the 19530 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 19530

Scheidt- Feryl

Address: 334 West Main Street Kutztown, PA 19530
Phone: (610)683-3711
Website: www.feryl-ins.com

Best Home & Auto Insurance Agencies in 19530

Robert J Flail - Nationwide Insurance

Address: 113 W Main St Kutztown, PA 19530
Phone:
Website: http://www.nationwide.com/agent/Kutztown-PENNSYLVANIA-insurance-agent/bobflailagency/office.html
Info:

The Rhode Agency

Address: Noble St & W Main St Kutztown, PA 19530
Phone:
Website: http://www.rhodeagency.com
Info:

Judy A Fink - Nationwide Insurance

Address: 219 W Main St Kutztown, PA 19530
Phone:
Website: http://www.nationwide.com/agent/Fleetwood-PENNSYLVANIA-insurance-agent/judyfinkinsurance/office.html
Info:

Scheidt- Feryl

Address: 334 W Main St Kutztown, PA 19530
Phone:
Website: http://www.feryl-ins.com
Info:

State Farm Insurance - Steve Drasher

Address: 223 W Main St Kutztown, PA 19530
Phone:
Website: http://www.statefarm.com/
Info:

Housing Demographics for 19530

Population Review for 19530 Zip Code

For the city of Kutztown, the population within 19530 has increased to over 12,312 residents in population size. The current population total is 14,830. We have broken down the population based on race below. In 19530, there are over 7150 in male population and 7680 females.

PopulationValues
Total Population14,830
White Population13069
Black Population584
Hispanic Population894
Asian Population186
Hawaiian Population12
Indian Population32
Other Population306
Male Population7150
Female Population7680
Population Estimate12312

Household Data for 19530

The average number of homes in 19530 is around 4,793, there are an average of 2.36 per household. The average house value according to local real estate values is around $217,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,793
Persons Per Household2.36
Average House Value$217,700
Income Per Household$61920
Median Age29.5
Median Age Male30.3
Median Age Female28.5
19530 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code484/484/610/610/835
CityKutztown
City Alias NameKUTZTOWN
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 Businesses371
Number Of Employees4941
Business First Quarter Payroll49438
Business Annual Payroll223217
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|07|09
Congressional LandArea1517.84|862.56|5730.09
Delivery Residential5217
Delivery Business322
Delivery Total5703
Preferred Last Line KeyX19227
Classification Code
Multi-CountyY
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX19227
Land Area54.605000
Water Area0.125000
City Alias Code
City Mixed CaseKutztown
City Alias Mixed CaseKutztown
Box Count99
SFDU3977
MFDU383
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number414316
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

  • $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 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]