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19607 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 19607? There are over 9,867 occupied homes in the 19607 area. With a population size of 23,431, it's not uncommon for residence of Reading, PA to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Pennsylvania is around $742 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 19607 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Reading, PA Home Insurance Rate Quotes

19607 Home Insurance Average Premiums

Local 19607 homeowners insurance quotes comparison

$492 /yr.

Shows Zip Code: 19607 lowest rates with discounts applied on average.

For the 19607, 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)
$492 /yr.
Average Coverage:$742 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1042 /yr.

What is the average home insurance cost for a home in 19607?

  • • The average homeowners insurance premium paid annually for a home in 19607 is around $742 per year.

What does it cost on average per month for home insurance in 19607?

  • • Homeowners in 19607 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 19607?

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

Home Replacement Cost Coverage in 19607

Average Building Cost Per Square Foot in 19607: $136

Location: Reading, Pennsylvania (Berks County)

Average Square Footage in 19607: 1,236 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19607 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 19607 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 19607 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,236 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$1361,236$168,100
Additional Upgrades & Added Features$1701,236$210,125
Major Home Updates or Advancements$2041,236$252,150

It's important to understand that when you estimate your replacement cost of your home in the 19607 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 19607

Best Home & Auto Insurance Agencies in 19607

Michael P Messner - Nationwide Insurance

Address: 57 Wood Cir Reading, PA 19607
Phone:
Website: http://www.national.citysearch.com/profile/external/603790652/reading_pa/michael_p_messner_nationwide_insurance.html
Info:

George Breedy, Jr - Nationwide Insurance

Address: 20 Village Center Dr, Ste C-3 Reading, PA 19607
Phone:
Website: http://www.national.citysearch.com/profile/662203340/reading_pa/george_breedy_jr_nationwide_insurance.html
Info:

Allstate Insurance Company - Tim Ferko

Address: 400 W Broad St Reading, PA 19607
Phone:
Website: http://www.allstateagencies.com/043883?cid=OTC-YP.com-IYP&att=TL
Info:

State Farm Insurance

Address: 1601 Lancaster Ave Reading, PA 19607
Phone:
Website: http://www.statefarm.com/
Info:

Gallen Insurance Incorporated

Address: 2237 Lancaster Pike Reading, PA 19607
Phone:
Website: http://www.galleninsurance.com/
Info:

Housing Demographics for 19607

Population Review for 19607 Zip Code

For the city of Reading, the population within 19607 has increased to over 22,008 residents in population size. The current population total is 23,431. We have broken down the population based on race below. In 19607, there are over 11020 in male population and 12411 females.

PopulationValues
Total Population23,431
White Population17841
Black Population1407
Hispanic Population3843
Asian Population478
Hawaiian Population9
Indian Population86
Other Population1782
Male Population11020
Female Population12411
Population Estimate22008

Household Data for 19607

The average number of homes in 19607 is around 9,867, there are an average of 2.24 per household. The average house value according to local real estate values is around $168,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,867
Persons Per Household2.24
Average House Value$168,100
Income Per Household$71606
Median Age42.4
Median Age Male40.1
Median Age Female44.7
19607 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code835/610/484/717/223
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 Businesses565
Number Of Employees9648
Business First Quarter Payroll118310
Business Annual Payroll533669
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 Residential9825
Delivery Business491
Delivery Total12474
Preferred Last Line KeyX1A704
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX1A704
Land Area11.219000
Water Area0.110000
City Alias Code
City Mixed CaseReading
City Alias Mixed CaseReading
Box Count134
SFDU7576
MFDU1694
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

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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 […]