19606 Home Insurance Rates & Premiums

Did you know there are over 35,153 people living within the 19606 zip code area? There are over 13,503 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

We will shop up to 12 home insurance companies for free.
We will apply all discounts and credits to help you save up to 40% or more.
We will answer any questions that you may.
We will review the best policy and coverage option in 19606.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Pennsylvania are on the rise. The estimated average premium is around $733 a year for a standard homeowners insurance policy in Reading. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Reading, PA Homeowners Insurance Quotes Online

19606 Home Insurance Average Premiums

Local 19606 homeowners insurance quotes comparison

$483 /yr.

Shows Zip Code: 19606 lowest rates with discounts applied on average.

For the 19606, 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)	$483 /yr.
Average Coverage:	$733 /yr.
2600 sq. ft. or higher (all discounts applied)	$1033 /yr.

What is the average home insurance cost for a home in 19606?

• The average homeowners insurance premium paid annually for a home in 19606 is around $733 per year.

What does it cost on average per month for home insurance in 19606?

• Homeowners in 19606 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 19606?

• Autoowners in 19606 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 19606.
Review average rates in another zip code:
19602 homeowners insurance rates
19601 homeowners insurance rates
19604 homeowners insurance rates
19605 homeowners insurance rates
19606 homeowners insurance rates
19610 homeowners insurance rates
19611 homeowners insurance rates
19609 homeowners insurance rates
19608 homeowners insurance rates
19607 homeowners insurance rates

Home Replacement Cost Coverage in 19606

Average Building Cost Per Square Foot in 19606: $136

Location: Reading, Pennsylvania (Berks County)

Average Square Footage in 19606: 1,396 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19606 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 19606 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 19606 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,396 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$136	1,396	$189,800
Additional Upgrades & Added Features	$170	1,396	$237,250
Major Home Updates or Advancements	$204	1,396	$284,700

Calculate Your Dwelling Coverage in 19606

It's important to understand that when you estimate your replacement cost of your home in the 19606 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 Home & Auto Insurance Agencies in 19606

William C Young III Agency - Nationwide Insurance

Address: 3351 Perkiomen Ave Reading, PA 19606
Phone:
Website: http://www.nationwide.com/agent/Reading-PENNSYLVANIA-insurance-agent/williamyoungagency/office.html
Info:

Richard I Hart Insurance Agency

Address: 2447 Perkiomen Ave Reading, PA 19606
Phone:
Website: http://www.national.citysearch.com/profile/external/658899640/reading_pa/richard_i_hart_insurance_agency.html
Info:

Allstate Insurance Company - Dale Russell

Address: 4730 Perkiomen Ave, Ste C Reading, PA 19606
Phone:
Website: http://www.national.citysearch.com/profile/external/603562682/reading_pa/allstate_insurance_company_dale_russell.html
Info:

Pfennig, Erik M - Allstate Insurance

Address: 4730 Perkiomen Ave, #C Reading, PA 19606
Phone:
Website: http://www.allstateagencies.com/EPfennig/Welcome/
Info:

Wm D Rhoads Ins Agency

Address: 57 Wanshop Rd Reading, PA 19606
Phone:
Website:
Info:

Housing Demographics for 19606

Population Review for 19606 Zip Code

For the city of Reading, the population within 19606 has increased to over 35,794 residents in population size. The current population total is 35,153. We have broken down the population based on race below. In 19606, there are over 17253 in male population and 17900 females.

Population	Values
Total Population	35,153
White Population	27299
Black Population	1820
Hispanic Population	5611
Asian Population	589
Hawaiian Population	8
Indian Population	147
Other Population	2433
Male Population	17253
Female Population	17900
Population Estimate	35794

Household Data for 19606

The average number of homes in 19606 is around 13,503, there are an average of 2.57 per household. The average house value according to local real estate values is around $189,800. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	13,503
Persons Per Household	2.57
Average House Value	$189,800
Income Per Household	$74654
Median Age	41.6
Median Age Male	40.1
Median Age Female	43.1

19606 Details	Values
State	PA
State Full Name	Pennsylvania
City Type	P
City Alias Abbreviation
Area Code	835/610/484/717/223
City	Reading
City Alias Name	READING
County	Berks
County FIPS	011
State FIPS	42
Time Zone	5
Day Light Saving	Y
MSA	6680
PMSA
CSA	428
CBSA	39740
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Reading, PA
MSA_Name	Reading, PA MSA
PMSA_Name
Region	Northeast
Division	Middle Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	540
Number Of Employees	9467
Business First Quarter Payroll	90029
Business Annual Payroll	421229
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	411442
CBSA Division Population	0
Congressional District	04\|06
Congressional LandArea	1517.84\|860.47
Delivery Residential	13928
Delivery Business	490
Delivery Total	15551
Preferred Last Line Key	X1A704
Classification Code
Multi-County
CSA Name	Philadelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State Key	X1A704
Land Area	26.651000
Water Area	0.244000
City Alias Code
City Mixed Case	Reading
City Alias Mixed Case	Reading
Box Count	142
SFDU	11219
MFDU	783
State ANSI	42
County ANSI	011
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	416928
Unique ZIP Name
SSA State County Code	39110
Medicare CBSA Code	39740
Medicare CBSA Name	Reading, PA
Medicare CBSA Type	Metro
Market Rating Area ID	7
County Mixed Case	Berks

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 […]

Home Insurance Quotes in 19606!