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Home Insurance in 19539

One of the best ways to save money on your homeowners insurance policy in the 19539 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Mertztown, PA. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our Pennsylvania licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 19539 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 19539

Find Mertztown, PA Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 19539

According to industry data, homeowners located in Mertztown pay roughly $717 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 19539 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of Pennsylvania home insurance premiums found that premiums in 19539 are 41 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 19539 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 19539.

Let us find you a great policy at an affordable price, get 19539 homeowners insurance quotes now.

19539 Home Insurance Average Premiums

Local 19539 homeowners insurance quotes comparison

$467 /yr.

Shows Zip Code: 19539 lowest rates with discounts applied on average.

For the 19539, 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)
$467 /yr.
Average Coverage:$717 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1017 /yr.

What is the average home insurance cost for a home in 19539?

  • • The average homeowners insurance premium paid annually for a home in 19539 is around $717 per year.

What does it cost on average per month for home insurance in 19539?

  • • Homeowners in 19539 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 19539?

  • • Autoowners in 19539 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 Mertztown area, check out other zip codes nearby 19539.
Review average rates in another zip code:
19539 homeowners insurance rates

Home Replacement Cost Coverage in 19539

Average Building Cost Per Square Foot in 19539: $136

Location: Mertztown, Pennsylvania (Berks County)

Average Square Footage in 19539: 1,593 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19539 before you start any project. Mertztown 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 19539 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 19539 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,593 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 Mertztown 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$1361,593$216,700
Additional Upgrades & Added Features$1701,593$270,875
Major Home Updates or Advancements$2041,593$325,050

It's important to understand that when you estimate your replacement cost of your home in the 19539 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 19539

Best Home & Auto Insurance Agencies in 19539

Timothy H Long - Nationwide Insurance

Address: 410 State St Mertztown, PA 19539
Phone:
Website: http://www.national.citysearch.com/profile/external/33798086/mertztown_pa/timothy_h_long_nationwide_insurance.html
Info:

Housing Demographics for 19539

Population Review for 19539 Zip Code

For the city of Mertztown, the population within 19539 has increased to over 4,734 residents in population size. The current population total is 4,488. We have broken down the population based on race below. In 19539, there are over 2239 in male population and 2249 females.

PopulationValues
Total Population4,488
White Population4181
Black Population34
Hispanic Population167
Asian Population29
Hawaiian Population1
Indian Population8
Other Population42
Male Population2239
Female Population2249
Population Estimate4734

Household Data for 19539

The average number of homes in 19539 is around 1,714, there are an average of 2.62 per household. The average house value according to local real estate values is around $216,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,714
Persons Per Household2.62
Average House Value$216,700
Income Per Household$87042
Median Age48.5
Median Age Male47.1
Median Age Female50.2
19539 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code835/610/484
CityMertztown
City Alias NameMERTZTOWN
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 Businesses45
Number Of Employees246
Business First Quarter Payroll1951
Business Annual Payroll8877
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
Congressional LandArea1517.84|862.56
Delivery Residential1807
Delivery Business30
Delivery Total1953
Preferred Last Line KeyX19775
Classification Code
Multi-CountyY
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX19775
Land Area21.631000
Water Area0.057000
City Alias Code
City Mixed CaseMertztown
City Alias Mixed CaseMertztown
Box Count83
SFDU1737
MFDU0
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number415296
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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    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 […]