Get South Sterling, PA Home Insurance Rates!

If you are shopping for a new homeowners insurance policy in South Sterling, we are here to help. We can help you find the best policy at a great price and also do it quickly. We realize time is always an important factor when it comes to shopping for insurance which is why we have made the entire process quick and easy.

A homeowners insurance policy for your home in South Sterling can help protect you from a major financial hit if your home is damaged or destroyed by a covered peril. Homeowners insurance not only covers damage caused by fire, lightning, hurricane, wind, theft and falling objects (think trees), it also provides liability coverage in case someone is injured on your property.

Homeowners insurance also offers protection for your personal property. If your house burns to the ground, taking all of your personal property with it, the cost to replace everything you own can be financially devastating. In addition, homeowners insurance extends to all of the buildings on your property, any outbuildings, barns, sheds and even fences are fully protected by your homeowners insurance policy.

While understanding how important homeowners is to your financial well-being is simple, shopping for coverage and comparing multiple policy options and rates at the same time can be difficult.

GetHomeInsuranceQuotes.com of Pennsylvania is here to help. Our site can help you quickly find and compare the most affordable South Sterling home insurance quotes. Our online quoting system is simple to use, get started now by entering your zip code at the top of the page.

Quickly Compare Multiple South Sterling Home Insurance Rate Quotes

You are three easy steps away from multiple homeowner insurance quotes:

Enter your zip code: Simply enter your zip code to get started on your South Sterling, Pennsylvania home insurance quote. Always make sure you include the correct zip code and street address for the home.
Fill in our form: We have made the quoting process quick and simple. There is no need to waste precious time filling out a long form just to get a homeowners insurance quote. We have scaled down the required information to just a few questions. The only information you will need to provide is a bit of contact info as well as the address of your property, construction type, the year the home was built and the square footage of the home. It’s that simple.
Click "Get Home Insurance Quotes": Your job is done, we will take it from here. We will shop your rates with up to 12 home insurance carriers in South Sterling. Our quoting process is secure and hassle free.

In addition to multiple quotes, we will assign a Pennsylvania home insurance professional to your quote to help answer any questions you may have about policy details as well as pricing. Having an agent to turn to with questions can be a huge advantage and will ensure that have a complete understanding of your quote.

Start a quote online today or call us at 1-855-976-2656, we will work with you to find the best policy for your needs.

A Few Facts about South Sterling, Pennsylvania Home Insurance Rates

While South Sterling, PA may not be considered the most expensive area in the state for insurance premiums, Pennsylvania does rank #41 in the country for homeowners insurance rates.

Homeowners in South Sterling, Pennsylvania are paying an "average" of $967 for a standard home insurance policy. The national average premium across the United States which is $1,311.

We can help lower your Pennsylvania homeowners insurance costs by shopping your coverage with a variety of national insurance companies that are very competitive in the South Sterling city area. It’s quick and easy. Get multiple home insurance quotes now in your local area.

Compare Homeowners Insurance Rates in South Sterling, PA!

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

Average Rates Nearby South Sterling

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

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

18460,

South Sterling, PA Home Insurance Average Premiums

Local South Sterling, PA home insurance quotes comparison

$462 /yr.

Shows South Sterling's lowest average rates with discounts applied.

For the city of South Sterling, 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)	$462 /yr.
Average Coverage:	$712 /yr.
2600 sq. ft. or higher (all discounts applied)	$1012 /yr.

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

• The average homeowners insurance premium paid annually for a home in South Sterling is around $712 per year.

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

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

South Sterling, 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 South Sterling 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 South Sterling
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 South Sterling, PA homeowners insurance rates all in one place!

Saving Money Tips on South Sterling Home Insurance

A great way to save money on South Sterling 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 South Sterling 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
2019 ft.	This is the average home elevation in South Sterling, 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 South Sterling, 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 Wayne County.

Pennsylvania Homeowners Insurance News & Information

North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
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 […]

South Sterling, PA Dwelling Coverage Estimate

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

- The average square footage in South Sterling is around 1,186 Sq. Ft. which would cost you around $161,300 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $161,300

Location: South Sterling, Pennsylvania (Wayne County)

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

Average Square Footage in South Sterling: 1,186 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$161,300
Some Additional Upgrades	$170	$201,625
Major Home Updates or Advancements	$204	$241,950

Calculate Your South Sterling, PA Dwelling Coverage

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