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19540 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 19540 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Mohnton, PA quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 19540.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 19540 and start shopping.

Quickly and Easily Compare Average Rates for 19540

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Mohnton, PA home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 19540

Homeowners in Mohnton are paying roughly $688 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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19540 Home Insurance Average Premiums

Local 19540 homeowners insurance quotes comparison

$438 /yr.

Shows Zip Code: 19540 lowest rates with discounts applied on average.

For the 19540, 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)
$438 /yr.
Average Coverage:$688 /yr.
2600 sq. ft. or higher
(all discounts applied)
$988 /yr.

What is the average home insurance cost for a home in 19540?

  • • The average homeowners insurance premium paid annually for a home in 19540 is around $688 per year.

What does it cost on average per month for home insurance in 19540?

  • • Homeowners in 19540 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 19540?

  • • Autoowners in 19540 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 Mohnton area, check out other zip codes nearby 19540.
Review average rates in another zip code:
19540 homeowners insurance rates

Home Replacement Cost Coverage in 19540

Average Building Cost Per Square Foot in 19540: $136

Location: Mohnton, Pennsylvania (Berks County)

Average Square Footage in 19540: 1,834 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19540 before you start any project. Mohnton 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 19540 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 19540 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,834 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 Mohnton 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$1361,834$249,400
Additional Upgrades & Added Features$1701,834$311,750
Major Home Updates or Advancements$2041,834$374,100

It's important to understand that when you estimate your replacement cost of your home in the 19540 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 19540

Best Home & Auto Insurance Agencies in 19540

Housing Demographics for 19540

Population Review for 19540 Zip Code

For the city of Mohnton, the population within 19540 has increased to over 12,012 residents in population size. The current population total is 11,861. We have broken down the population based on race below. In 19540, there are over 6009 in male population and 5852 females.

PopulationValues
Total Population11,861
White Population10629
Black Population188
Hispanic Population719
Asian Population142
Hawaiian Population0
Indian Population19
Other Population265
Male Population6009
Female Population5852
Population Estimate12012

Household Data for 19540

The average number of homes in 19540 is around 4,605, there are an average of 2.57 per household. The average house value according to local real estate values is around $249,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,605
Persons Per Household2.57
Average House Value$249,400
Income Per Household$89532
Median Age45.9
Median Age Male45.2
Median Age Female46.7
19540 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code484/484/610/610/717/835
CityMohnton
City Alias NameMOHNTON
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 Businesses181
Number Of Employees1587
Business First Quarter Payroll15686
Business Annual Payroll73145
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 District06|11
Congressional LandArea860.47|3356.48
Delivery Residential4674
Delivery Business125
Delivery Total5029
Preferred Last Line KeyX19881
Classification Code
Multi-CountyY
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX19881
Land Area35.207000
Water Area0.189000
City Alias Code
City Mixed CaseMohnton
City Alias Mixed CaseMohnton
Box Count101
SFDU4381
MFDU65
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number415500
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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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]