Oneida, PA Home Insurance Quotes!

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You can now easily compare up to 12 home insurance rates in Oneida, PA online without the hassle of multiple home insurance agents or companies calling you all at once. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options. The majority of our carrier options are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more carriers that are very competitive in the Oneida area.

Getting multiple Pennsylvania homeowners insurance quotes doesn't have to be a stressful burden. We make it easy for you to get the quotes you need fast so you have time to review, compare and save up to 40% or more on your new home insurance policy. Please visit our discounts and credits page to find out how you can save additional money on your home insurance premium to help make it more affordable. Our process will run multiple estimates to help you apply all the discounts available so we can help you bundle and package your home insurance coverage together. This process makes it easy for you to get the home insurance shopping done right the first time.

Our Oneida, PA Home Insurance Quoting Process

It's time to start saving time and money by shopping your policy with us. Lower rates are available for homeowners living in Oneida as low as $434 a year, so it's important to work with a Oneida homeowners insurance agent that knows the best carrier that's right for you and your family. Our process is simple and thousands of homeowners just like you enjoy our fast, free shopping service. Once you complete our quoting application, we will present up to 12 rates. We will also assign one licensed home insurance professional to help answer any questions that you may have. Enter your zip code and get your quotes today!

Homeownership in Oneida, PA

It's no secret that Oneida, PA has now reached over 235 residents in population size with 113 homes within the city of Oneida. The average number of homes per zip code in Oneida is around 113. With population density increasing, it's important to make sure your home has the proper coverage within your local neighborhood or district.

SourceValue
Location:Oneida, PA (SCHUYLKILL County)
Population:235
Occupied Residents:113
Average Real Estate Value Per Zip Code:$155,000

Homeowners Insurance Rates in Oneida

Common questions that we get from homeowners based out of Oneida, usually have to do with a comparision request of what they are currently paying per year for home insurance and what other homeowners in Schuylkill County are also paying for the best home insurance coverage. Residents of Oneida, PA are currently paying $684 per year for homeowners insurance coverage on average, where the majority of the United States home insurance premiums are around $1,311. When we shop your policy, you can expect more affordable premiums that can be as low as $434 a year for great coverage with a great company. Homes that are larger in square footage require more replacement cost coverage so rates for a home above the 2500 square foot range are seeing rates around $984 a year. Most homeowners in your area are paying around $57 per month for a standard homeowners policy not including wind and hail insurance, flood or earth quake coverage. Those require a separate policy to help cover major damages to your home.

Compare Homeowners Insurance Rates in Oneida, PA!

Enter your Zip Code:    

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

Enter your Zip Code:    
Easily compare up to 12 competitive Oneida, PA rates all in one place!

Average Rates Nearby Oneida

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

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

18242,     

Oneida, PA Home Insurance Average Premiums

Local Oneida, PA home insurance quotes comparison

$434 /yr.

Shows Oneida's lowest average rates with discounts applied.

For the city of Oneida, 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)		$434 /yr.
Average Coverage:$684 /yr.
2600 sq. ft. or higher
(all discounts applied)		$984 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Oneida is around $684 per year.

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

  • • Homeowners in Oneida pay an average cost per month around $57.00 for insurance coverage.

Oneida, PA Coastal Wind, Hail & Flood Information

Oneida is located in 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.

Oneida, PA - 2023 Housing Information

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

Homeowners insurance will help cover the cost to repair or replace your Oneida 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 Oneida
  • 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.
Enter your Zip Code:    

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

Enter your Zip Code:    
Easily compare up to 12 competitive Oneida, PA rates all in one place!

Saving Money Tips on Oneida Home Insurance

A great way to save money on Oneida 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 Oneida 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
1664 ft. This is the average home elevation in Oneida, PA

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Oneida, Pennsylvania.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Oneida, 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 Schuylkill 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 […]

Oneida, PA Dwelling Coverage Estimate

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

- The average square footage in Oneida is around 1,140 Sq. Ft. which would cost you around $155,000 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $155,000

Location: Oneida, Pennsylvania (Schuylkill County)

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

Average Square Footage in Oneida: 1,140 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$136$155,000
Some Additional Upgrades$170$193,750
Major Home Updates or Advancements$204$232,500

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