Beaver Springs, PA Homeowners Insurance Rate Quotes!

You can get affordable home insurance rates in Beaver Springs thanks to GetHomeInsuranceQuotes.com! It is easy to use our online quoting application to compare up to 12 major insurance companies that are now offering competitive rates in Beaver Springs. Homeowners often ask how their current rate compares to average home insurance rates locally. Homeowners of Beaver Springs, PA are currently paying around $763.00 per year for home insurance coverage for a typical single-family home, where the majority of the homeowners throughout the country pay around $1311. Great home insurance coverage only cost around $64.00 per month. It's important to know that these average homeowners insurance rates reflect the cost of a standard home insurance policy which includes the replacement cost of your home, loss of use, your contents, medial payments and liability coverage. For homes in flood zone areas, your mortgage provider will require you to purchase a flood insurance policy with is seperate from your home insurance policy. We can package the two policies together to help you get the coverage you need.

Using the rating system below, you can easily get home insurance quotes by first entering your zip code for the home you would like to insure. If it's a new home purchase, make sure you select "New Home" in the discounts section. If you are unsure of any of the basic property details of the home, we have an online chat service to help walk you through our online quoting application. We look forward to help you compare the best rates and coverages, let's get started!

Avg. PA Rate	Discounts	Savings	Shop Rates
$967	up to 40% off	$387	Get PA Rates!

The best Beaver Springs homeowners insurance coverage includes an affordable rate with outstanding coverage. At GetHomeInsuranceQuotes.com, our PA licensed agents can provide up to 12 home insurance estimates for you to review. And our free consulting service allows us to answer any questions that you may have about which policy is best for your family and home.

Compare Homeowners Insurance Rates in Beaver Springs, PA!

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Average Rates Nearby Beaver Springs

Are you looking for homeowners insurance in a city near Beaver Springs? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Beaver Springs, PA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Beaver Springs.

17812,

Beaver Springs, PA Home Insurance Average Premiums

Local Beaver Springs, PA home insurance quotes comparison

$513 /yr.

Shows Beaver Springs's lowest average rates with discounts applied.

For the city of Beaver Springs, 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)	$513 /yr.
Average Coverage:	$763 /yr.
2600 sq. ft. or higher (all discounts applied)	$1063 /yr.

What is the average home insurance cost for a home in Beaver Springs, PA?

• The average homeowners insurance premium paid annually for a home in Beaver Springs is around $763 per year.

What does it cost on average per month for home insurance in Beaver Springs, PA?

• Homeowners in Beaver Springs pay an average cost per month around $64.00 for insurance coverage.

Beaver Springs, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$152,620	$0

Homeowners insurance will help cover the cost to repair or replace your Beaver Springs home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Beaver Springs
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Beaver Springs, PA homeowners insurance rates all in one place!

Saving Money Tips on Beaver Springs Home Insurance

A great way to save money on Beaver Springs homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Beaver Springs area? Check out what homeowners are paying on average for Pennsylvania homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
637 ft.	This is the average home elevation in Beaver Springs, PA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Pennsylvania flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Beaver Springs, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Snyder County.

Pennsylvania Homeowners Insurance News & Information

2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025
Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance. We thought it might be a good idea to look at some spring cleaning and maintenance […]
Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025
According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone. Data from the Intercontinental Exchange (ICE) showed […]
Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025
According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid. Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]
2025 List of States Where Finding Home Insurance Is Most Difficult and Why Posted on Tuesday 11th March, 2025
Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance. If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]
Will Citizens Policyholders See a Home Insurance Rate Decrease? Posted on Tuesday 11th March, 2025
Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

Beaver Springs, PA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Beaver Springs so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Beaver Springs, PA?

- The average square footage in Beaver Springs is around 1,130 Sq. Ft. which would cost you around $153,700 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $153,700

Location: Beaver Springs, Pennsylvania (Snyder County)

Average Building Cost Per Square Foot in Beaver Springs: $136 (low end)

Average Square Footage in Beaver Springs: 1,130 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$153,700
Some Additional Upgrades	$170	$192,125
Major Home Updates or Advancements	$204	$230,550

Calculate Your Beaver Springs, PA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($136) in Beaver Springs, Pennsylvania times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $425,000 (Media price to build of $170 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.