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19610, PA Home Insurance

In the zip code of 19610, the population size is around 16,024, which consists of 6,679 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Reading, PA. A few years ago, a study was done and found that the average home insurance rates for Pennsylvania are around $748 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 19610 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Reading. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Reading, PA Homeowners Insurance Online Rates Today!

19610 Home Insurance Average Premiums

Local 19610 homeowners insurance quotes comparison

$498 /yr.

Shows Zip Code: 19610 lowest rates with discounts applied on average.

For the 19610, 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)
$498 /yr.
Average Coverage:$748 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1048 /yr.

What is the average home insurance cost for a home in 19610?

  • • The average homeowners insurance premium paid annually for a home in 19610 is around $748 per year.

What does it cost on average per month for home insurance in 19610?

  • • Homeowners in 19610 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 19610?

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

Home Replacement Cost Coverage in 19610

Average Building Cost Per Square Foot in 19610: $136

Location: Reading, Pennsylvania (Berks County)

Average Square Footage in 19610: 1,993 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19610 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 19610 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 19610 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,993 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$1361,993$271,100
Additional Upgrades & Added Features$1701,993$338,875
Major Home Updates or Advancements$2041,993$406,650

It's important to understand that when you estimate your replacement cost of your home in the 19610 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 19610

Best Home & Auto Insurance Agencies in 19610

Delewski, Karen - Vision Insurance

Address: 200 Spring Ridge Dr, #101 Reading, PA 19610
Phone:
Website: http://www.erieinsurance.com/
Info:

Securus Dunlop Group

Address: 1350 Broadcasting Rd, #202 Reading, PA 19610
Phone:
Website: http://www.securusgroup.com/
Info:

Wright, Patty - State Farm Insurance Agent

Address: 2417 State Hill Rd Wyomissing, PA 19610
Phone:
Website: http://www.national.citysearch.com/profile/external/9044686/wyomissing_pa/wright_patty_state_farm_insurance_agent.html
Info:

Conner- John P

Address: 1153 Penn Ave Wyomissing, PA 19610
Phone:
Website:
Info:

Jeffrey A. Spotts Agency

Address: 1912 State Hill Rd Wyomissing, PA 19610
Phone:
Website:
Info:

Housing Demographics for 19610

Population Review for 19610 Zip Code

For the city of Reading, the population within 19610 has increased to over 15,923 residents in population size. The current population total is 16,024. We have broken down the population based on race below. In 19610, there are over 7577 in male population and 8447 females.

PopulationValues
Total Population16,024
White Population12702
Black Population742
Hispanic Population1705
Asian Population758
Hawaiian Population2
Indian Population46
Other Population709
Male Population7577
Female Population8447
Population Estimate15923

Household Data for 19610

The average number of homes in 19610 is around 6,679, there are an average of 2.25 per household. The average house value according to local real estate values is around $271,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,679
Persons Per Household2.25
Average House Value$271,100
Income Per Household$83628
Median Age46.1
Median Age Male43.4
Median Age Female48.8
19610 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 Businesses910
Number Of Employees19705
Business First Quarter Payroll362311
Business Annual Payroll1209635
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 Residential7077
Delivery Business953
Delivery Total8424
Preferred Last Line KeyX1A704
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyX1A704
Land Area7.087000
Water Area0.052000
City Alias Code
City Mixed CaseReading
City Alias Mixed CaseReading
Box Count229
SFDU4939
MFDU1155
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 […]