Middletown, PA Homeowners Insurance Rate Quotes!

Are you shopping online because your homeowners insurance rates have increased in Middletown, PA? Getting mulitiple home insurance quotes from GetHomeInsuranceQuotes.com of Pennsylvania couldn't be easier. Within minutes you can compare the most competitive prices and use our free consultation process to help you decide which coverage and rate is best for you and your family. The insurance providers that we shop for you are very competitive in Middletown and have an above average rating with A.M. Best. If you have additional questions or would prefer to work with our specialized Pennsylvania insurance agent then please give us a call. For faster quotes, you can get your Middletown home insurance quotes online by entering your zip code of the home you would like to insure.

What is a Middletown, PA home insurance policy? For Middletown homeowners, you may be interested to know that a home insurance policy is classified as a multiperl. This simply means that it combines both your property and casualty coverage into one packaged policy making it convenient and less expensive to insure your home in Middletown. Your Pennsylvania home insurance policy is designed to protect you from major risk like theft, fire and wind/hail damage. In addition, your new policy can also cover your belongings and liability coverage that may occur due to accidents or injury. Our agents feel it is important for you save money on the cost of your home insurance, but understanding the benefits of great coverage can help protect you when you need it most.

Middletown, PA City Information

Source	Value
Location:	Middletown, PA (DAUPHIN County)
Population:	213,290
Occupied Residents:	88,660
Average Real Estate Value Per Zip Code:	$138,200

Average Middletown Home Insurance Rates

Let's review home insurance rates for the city of Middletown. Did you know that homeowners are finding easier ways to get more affordable rates by shopping online? Pennsylvania may not be the cheapest state in the country to purchase a home insurance policy, it does rank lower than average at a national rank of 41. Homeowners of Middletown, PA are currently paying between $512.00 and $1,062.00 for an annual home insurance premium. On a national scale, homeowners are paying $1,311 per year on average, and for Pennsylvania the average rate combining all premiums is around $967 a year. These average home insurance rates reflect the annual premium of a standard HO-3 home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Finding the best homeowners insurance rates online is very easy with GetHomeInsuranceQuotes.com, please allow our shopping services to provide huge savings benefits for you and your family. Save now by shopping rates and review prices as low as $64.00 per month. First, enter your zip code to start shopping local Middletown, PA homeowners insurance rates. Once you process your online application, we can compare up to 12 competitive rates for you. We can also provide a free consultation to allow you to review the policies and ask questions to help alter the coverages and rates. Our process is free and online takes a few minutes of your time. Thousands of Middletown homeowners every month trust our home insurance shopping service. Try it today!

Compare Homeowners Insurance Rates in Middletown, PA!

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Average Rates Nearby Middletown

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

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

17057,

Middletown, PA Home Insurance Average Premiums

Local Middletown, PA home insurance quotes comparison

$512 /yr.

Shows Middletown's lowest average rates with discounts applied.

For the city of Middletown, 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)	$512 /yr.
Average Coverage:	$762 /yr.
2600 sq. ft. or higher (all discounts applied)	$1062 /yr.

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

• The average homeowners insurance premium paid annually for a home in Middletown is around $762 per year.

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

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

Middletown, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$214,524	$192,660
February	$215,371	$196,502
March	$216,471	$200,844
April	$217,654	$203,997

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

Saving Money Tips on Middletown Home Insurance

A great way to save money on Middletown 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 Middletown 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
309 ft.	This is the average home elevation in Middletown, 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 Middletown, 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 Dauphin County.

Pennsylvania Homeowners Insurance News & Information

$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 […]
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 […]
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 […]
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, […]
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 […]

Middletown, PA Dwelling Coverage Estimate

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

- The average square footage in Middletown is around 1,016 Sq. Ft. which would cost you around $138,200 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $138,200

Location: Middletown, Pennsylvania (Dauphin County)

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

Average Square Footage in Middletown: 1,016 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$138,200
Some Additional Upgrades	$170	$172,750
Major Home Updates or Advancements	$204	$207,300

Calculate Your Middletown, PA Dwelling Coverage

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