Get multiple home insurance quotes in 19609. Our licensed 19609, PA agents are ready to serve you.

19609 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 19609 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Reading, PA. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 19609 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Pennsylvania, like average Reading homeowners insurance rates, coverage options or home insurance types, please select Reading, PA Home Insurance Rates Online!

19609 Home Insurance Average Premiums

Local 19609 homeowners insurance quotes comparison

$438 /yr.

Shows Zip Code: 19609 lowest rates with discounts applied on average.

For the 19609, 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 19609?

  • • The average homeowners insurance premium paid annually for a home in 19609 is around $688 per year.

What does it cost on average per month for home insurance in 19609?

  • • Homeowners in 19609 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 19609?

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

Home Replacement Cost Coverage in 19609

Average Building Cost Per Square Foot in 19609: $136

Location: Reading, Pennsylvania (Berks County)

Average Square Footage in 19609: 1,310 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19609 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 19609 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 19609 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,310 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$1361,310$178,100
Additional Upgrades & Added Features$1701,310$222,625
Major Home Updates or Advancements$2041,310$267,150

It's important to understand that when you estimate your replacement cost of your home in the 19609 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 19609

Best Home & Auto Insurance Agencies in 19609

Allstate Insurance Company - Athena Wagner

Address: 2038 Penn Ave Reading, PA 19609
Phone:
Website: http://www.allstate.com/
Info:

Allstate Insurance Company - Linda Palaferro

Address: 2209 Quarry Dr Reading, PA 19609
Phone:
Website: http://www.national.citysearch.com/profile/external/658937590/reading_pa/allstate_insurance_company_linda_palaferro.html
Info:

Cavallucci- Maureen L - State Farm Insurance Agent

Address: 2617 Penn Ave West Lawn, PA 19609
Phone:
Website: http://www.maureencavallucci.com
Info:

Housing Demographics for 19609

Population Review for 19609 Zip Code

For the city of Reading, the population within 19609 has increased to over 10,697 residents in population size. The current population total is 10,478. We have broken down the population based on race below. In 19609, there are over 5079 in male population and 5399 females.

PopulationValues
Total Population10,478
White Population8090
Black Population480
Hispanic Population1767
Asian Population233
Hawaiian Population2
Indian Population31
Other Population692
Male Population5079
Female Population5399
Population Estimate10697

Household Data for 19609

The average number of homes in 19609 is around 4,180, there are an average of 2.50 per household. The average house value according to local real estate values is around $178,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,180
Persons Per Household2.50
Average House Value$178,100
Income Per Household$76938
Median Age40.0
Median Age Male38.5
Median Age Female41.3
19609 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 Businesses194
Number Of Employees2590
Business First Quarter Payroll22120
Business Annual Payroll96725
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 Residential4279
Delivery Business207
Delivery Total5785
Preferred Last Line KeyX1A704
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX1A704
Land Area2.296000
Water Area0.032000
City Alias Code
City Mixed CaseReading
City Alias Mixed CaseReading
Box Count0
SFDU4057
MFDU141
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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  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

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  • $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 […]