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19602 Home Insurance Quotes & Rates

Currently, the 7,325 homes within the 19602 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Pennsylvania is around $713 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Reading, PA, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 19602.

Pennsylvania is now ranking #41 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Reading home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Pennsylvania has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 19602 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Reading, Pennsylvania home insurance rates today!

Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Reading, PA Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

19602 Home Insurance Average Premiums

Local 19602 homeowners insurance quotes comparison

$463 /yr.

Shows Zip Code: 19602 lowest rates with discounts applied on average.

For the 19602, 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)
$463 /yr.
Average Coverage:$713 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1013 /yr.

What is the average home insurance cost for a home in 19602?

  • • The average homeowners insurance premium paid annually for a home in 19602 is around $713 per year.

What does it cost on average per month for home insurance in 19602?

  • • Homeowners in 19602 pay a monthly average cost per month around $59.00.

What kind of discount could I get if I combine my home and auto insurance together in 19602?

  • • Autoowners in 19602 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 Reading area, check out other zip codes nearby 19602.
Review average rates in another zip code:
19601 homeowners insurance rates
19605 homeowners insurance rates
19604 homeowners insurance rates
19610 homeowners insurance rates
19606 homeowners insurance rates
19609 homeowners insurance rates
19607 homeowners insurance rates
19602 homeowners insurance rates
19611 homeowners insurance rates
19608 homeowners insurance rates

Home Replacement Cost Coverage in 19602

Average Building Cost Per Square Foot in 19602: $136

Location: Reading, Pennsylvania (Berks County)

Average Square Footage in 19602: 453 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19602 before you start any project. Reading 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 19602 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 19602 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 453 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 Reading 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$136453$61,600
Additional Upgrades & Added Features$170453$77,000
Major Home Updates or Advancements$204453$92,400

It's important to understand that when you estimate your replacement cost of your home in the 19602 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 19602

Best Home & Auto Insurance Agencies in 19602

Edwin Gual Financial Services

Address: 1259 Cotton St Reading, PA 19602
Phone:
Website:
Info:

Housing Demographics for 19602

Population Review for 19602 Zip Code

For the city of Reading, the population within 19602 has increased to over 18,698 residents in population size. The current population total is 19,782. We have broken down the population based on race below. In 19602, there are over 9666 in male population and 10116 females.

PopulationValues
Total Population19,782
White Population5728
Black Population2483
Hispanic Population13768
Asian Population149
Hawaiian Population12
Indian Population326
Other Population7264
Male Population9666
Female Population10116
Population Estimate18698

Household Data for 19602

The average number of homes in 19602 is around 7,325, there are an average of 2.68 per household. The average house value according to local real estate values is around $61,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,325
Persons Per Household2.68
Average House Value$61,600
Income Per Household$35092
Median Age32.2
Median Age Male31.7
Median Age Female32.5
19602 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code223/484/484/610/610/717/835
CityReading
City Alias NameREADING
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 Businesses200
Number Of Employees3566
Business First Quarter Payroll43482
Business Annual Payroll175217
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
Congressional LandArea860.47
Delivery Residential6977
Delivery Business384
Delivery Total7990
Preferred Last Line KeyX1A704
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX1A704
Land Area2.041000
Water Area0.077000
City Alias Code
City Mixed CaseReading
City Alias Mixed CaseReading
Box Count0
SFDU4951
MFDU1978
State ANSI42
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number416928
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

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    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 […]