Ford City, PA Home Insurance Quotes!

For all Ford City, PA homeowners, finding great coverage at a lower price is in high demand. Residents of Ford City can visit our site online and conveniently shop and compare the best rates locally without leaving your home. At GetHomeInsuranceQuotes.com, we pride ourselves on customer service and making it easy for homeowners to compare up to 12 major home insurance carriers with ease. Thousands of other customers based out of Ford City and the surrounding areas of ARMSTRONG County have gained additional savings with our competitive quoting raters. The best benefits to our customers is our FREE online shopping experience and it allows us to earn your business by providing a clear quoting process so you know what types of home insurance carriers can provide the protection and coverage you need.

If you want to receive quick homeowners insurance quotes for your home in Ford City, PA, then you can easily start our online quoting application by entering your zip code. The process only takes 1 minute to complete. Compare your home insurance quotes today or give us a call now at 855-976-2656!

Ford City, PA Home Insurance Rates Review

One of the more common questions that come up when discussing rates with homeowners in Ford City, PA is "What's the average premium for homeowners?" In other words, what does everyone else pay compared to your monthly or annual home insurance bill. The answer is easy, for homeowners living in Ford City, you will find a range from $463 per year as the cheaper option on up to $1,013/yr. as the more expensive option. Homeowners sometimes due pay a less expensive rate only because the home is less of a risk to insure. For example, you will have a much more affordable home insurance premium if your home is smaller because the replacement cost value is less than a much larger home where the cost to replace is much more expensive. The national average for homeowners nationwide is $1311 per year. In order to gain an understanding of how your rate will be compiled, we have listed a few helpful resources to help you understand replacement cost value, home insurance credits and home features that help discount your premium.

Top 5 Helpful Saving Resources

FAQ: What is a Ford City, PA Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Ford City, PA?
This home insurance calculator will calculate your dwelling coverage for your home in Ford City, PA so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in Pennsylvania
Installing smoke detectors, a security system and getting the same home and auto policy with the same carrier is a good start but to really kick-start your home insurance savings you have to dig a bit deeper. Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Ford City, PA!

Get up to 12 competitive Ford City, PA homeowners insurance rates all in one place!

Average Rates Nearby Ford City

Are you looking for homeowners insurance in a city near Ford City? 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 Ford City, PA

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

16226,

Ford City, PA Home Insurance Average Premiums

Local Ford City, PA home insurance quotes comparison

$463 /yr.

Shows Ford City's lowest average rates with discounts applied.

For the city of Ford City, 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)	$463 /yr.
Average Coverage:	$713 /yr.
2600 sq. ft. or higher (all discounts applied)	$1013 /yr.

What is the average home insurance cost for a home in Ford City, PA?

• The average homeowners insurance premium paid annually for a home in Ford City is around $713 per year.

What does it cost on average per month for home insurance in Ford City, PA?

• Homeowners in Ford City pay an average cost per month around $59.00 for insurance coverage.

Ford City, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$126,432	$115,119
February	$126,719	$117,268
March	$126,905	$120,817
April	$126,543	$123,712

Homeowners insurance will help cover the cost to repair or replace your Ford City 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 Ford City
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 Ford City, PA homeowners insurance rates all in one place!

Saving Money Tips on Ford City Home Insurance

A great way to save money on Ford City 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 Ford City 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
843 ft.	This is the average home elevation in Ford City, 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 Ford City, 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 Armstrong County.

Pennsylvania Homeowners Insurance News & Information

2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]
Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025
Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]
Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024
Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies. Here are some common exclusions that could leave you […]
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 […]

Ford City, PA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Ford City 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 Ford City, PA?

- The average square footage in Ford City is around 679 Sq. Ft. which would cost you around $92,300 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $92,300

Location: Ford City, Pennsylvania (Armstrong County)

Average Building Cost Per Square Foot in Ford City: $136 (low end)

Average Square Footage in Ford City: 679 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$92,300
Some Additional Upgrades	$170	$115,375
Major Home Updates or Advancements	$204	$138,450

Calculate Your Ford City, PA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($136) in Ford City, 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.