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Berks County, PA Homeowners Insurance Quotes
Shopping online for homeowners insurance rates in Berks County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Pennsylvania.
For Berks County PA homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.
Berks County Home Insurance Rates
Berks County, PA homeowners are now averaging around $80.58 per month for a basic homeowners policy. For Pennsylvania residents, this amounts to $967 per year for a standard home policy for homeowners living in Berks County, PA. In comparison, the national average for home insurance premiums is around 1,249 per year. Pennsylvania is now ranked #41 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Berks County, PA so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.
For all Berks County, PA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
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Are you looking for a homeowners insurance quote in Berks County? Simply enter your zip code to get your Pennsylvania homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.
Berks County, PA Housing Demographics
With 411,442 residents living within the Berks County area there are over 164,827 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 106,532 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Berks County.
Demographic | Values |
---|---|
Total Occupied Households | 154,356 |
Family Households (families) | 106,532 |
Average Owner Occupied Household Size | 3 |
Average Family Size | 3 |
Total Housing Units | 164,827 |
Berks County, PA Coastal Wind, Hail & Flood Information
For all homeowners living in Berks County (FIPS: 42011), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Pennsylvania is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Berks County, PA, it's important that you look into hurricane and windstorm insurance options.
Berks County, PA Home Insurance Average Premiums
For the state of Pennsylvania, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 41 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
---|---|
Minimum Range: | $586 /yr. |
Current Average Cost: | $793 /yr. |
Maximum Range: | $967 /yr. |
Berks County, PA Coastal Wind, Hail & Flood Information
Berks is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.
Pennsylvania Homeowners Insurance News & Information
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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 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
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Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024
According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high. “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
Discounts For Homeowners in Berks County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Pennsylvania homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Berks County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Berks County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Berks County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Berks County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 164827 |
Occupied Housing Units | 154356 |
Vacant Housing Units | 10471 |
Vacant Housing Units for Rent | 3557 |
Vacant Housing Units Rented Not Occupied | 198 |
Vacant Housing Units For Sale | 1941 |
Vacant Housing Units Sold Not Occupied | 446 |
Vacant Housing Units For Seasonal Occasional Use | 724 |
Vacant Housing Units All Other Vacants | 3605 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 8 |
Housing Tenure Occupied Units | 154356 |
Housing Tenure Occupied Units Owner Occupied | 110653 |
Housing Tenure Occupied Units Owner Occupied Population | 295123 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 3 |
Housing Tenure Occupied Units Renter Occupied | 43703 |
Housing Tenure Occupied Units Renter Occupied Population | 104296 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |