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Find the Best Home Insurance Rates in 19543

Shopping for homeowners insurance in 19543 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Morgantown, PA and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Pennsylvania licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 19543 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 19543

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

19543 Home Insurance Rating is: very low!

In 19543 the average premium is $792. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 19543, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 19543!

19543 Home Insurance Average Premiums

Local 19543 homeowners insurance quotes comparison

$542 /yr.

Shows Zip Code: 19543 lowest rates with discounts applied on average.

For the 19543, 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)
$542 /yr.
Average Coverage:$792 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1092 /yr.

What is the average home insurance cost for a home in 19543?

  • • The average homeowners insurance premium paid annually for a home in 19543 is around $792 per year.

What does it cost on average per month for home insurance in 19543?

  • • Homeowners in 19543 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 19543?

  • • Autoowners in 19543 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 Morgantown area, check out other zip codes nearby 19543.
Review average rates in another zip code:
19543 homeowners insurance rates

Home Replacement Cost Coverage in 19543

Average Building Cost Per Square Foot in 19543: $136

Location: Morgantown, Pennsylvania (Berks County)

Average Square Footage in 19543: 2,112 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19543 before you start any project. Morgantown 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 19543 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 19543 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,112 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 Morgantown 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$1362,112$287,200
Additional Upgrades & Added Features$1702,112$359,000
Major Home Updates or Advancements$2042,112$430,800

It's important to understand that when you estimate your replacement cost of your home in the 19543 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 19543

Charles J. Pike Agency

Address: RR 2 Box 267 Morgantown, PA 19543
Phone: (610)286-6170
Website:

Allstate Insurance - Jim Mc Elderry

Address: 3605 E Main St Morgantown, PA 19543
Phone: (610)286-3750
Website:

Best Home & Auto Insurance Agencies in 19543

Charles J. Pike Agency

Address: RR 2 Box 267 Morgantown, PA 19543
Phone:
Website:
Info:

James O McIntyre Agency - Nationwide Insurance

Address: 2846 Main St Morgantown, PA 19543
Phone:
Website: http://www.national.citysearch.com/profile/external/9036642/morgantown_pa/james_o_mcintyre_agency_nationwide_insurance.html
Info:

Allstate Insurance - Jim Mc Elderry

Address: 3605 E Main St Morgantown, PA 19543
Phone:
Website:
Info:

Housing Demographics for 19543

Population Review for 19543 Zip Code

For the city of Morgantown, the population within 19543 has increased to over 6,020 residents in population size. The current population total is 6,256. We have broken down the population based on race below. In 19543, there are over 3191 in male population and 3065 females.

PopulationValues
Total Population6,256
White Population5720
Black Population75
Hispanic Population169
Asian Population76
Hawaiian Population2
Indian Population8
Other Population86
Male Population3191
Female Population3065
Population Estimate6020

Household Data for 19543

The average number of homes in 19543 is around 2,133, there are an average of 2.90 per household. The average house value according to local real estate values is around $287,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,133
Persons Per Household2.90
Average House Value$287,200
Income Per Household$100234
Median Age38.1
Median Age Male37.9
Median Age Female38.3
19543 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code835/610/484/717
CityMorgantown
City Alias NameMORGANTOWN
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 Businesses195
Number Of Employees3994
Business First Quarter Payroll49101
Business Annual Payroll218662
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 Residential2076
Delivery Business99
Delivery Total2548
Preferred Last Line KeyX19923
Classification Code
Multi-CountyY
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX19923
Land Area21.423000
Water Area0.343000
City Alias Code
City Mixed CaseMorgantown
City Alias Mixed CaseMorgantown
Box Count226
SFDU1633
MFDU0
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number415592
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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