Wernersville, PA Homeowners Insurance Rate Quotes!

Shopping for Wernersville homeowners insurance is never fun but if you are in the market for a new policy, we can help make the process quick, simple and stress-free. GetHomeInsuranceQuotes.com has licensed agents just waiting to help you find a great homeowners policy at an affordable price.

In Pennsylvania, we provide premium quotes from 12 different nationwide insurers so you can easily compare coverage levels as well as the cost. All of the insurance companies that we work with are well-reviewed national companies that are highly ranked by A.M. Best. You can be confident that they will be there in you time of need.

Wernersville is a small but lovely town, roughly 8,531 people live here which breaks down to 3,364 households. The median home price in Wernersville is a very affordable $185,100. Homeowners insurance is a bargain in Pennsylvania with the average annual premium for a standard homeowners policy coming in around $967 putting it below the national average of $1,311.

GetHomeInsuranceQuotes.com allows you to shop for a new policy without leaving the comfort of your Wernersville home. We shop up to 12 companies and evaluate the quotes to help you find not only the lowest price but also the best coverage for your needs. We make sure that all discounts or credits that you are qualified for are applied to your policy.

Our online quoting process is hassle free, we are able to compare the most competitive companies which helps you finalize a new homeowners policy quickly and easily online or over the phone.

All of our policies not only protect your home but your possessions as well. Our standard policies also protect any detached structures on your property such as sheds, barns, detached garages and other outbuildings. Liability, loss of use and medical payments are also covered with our homeowners insurance.

If the cost of your homeowners insurance has been headed up over the last few years it may be time to shop your coverage. Thousands of homeowners like you use our quoting process to help find the best rate or coverage and we will make sure that you have a complete understanding of your new policy and what it covers. . We will also do a full discount review to make sure you are receiving all available discounts.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions. If you are ready to start shopping for a new policy, simply enter your zip code now and we can get started on comparing coverage. If you prefer to call us, please call 1-855-976-2656

Compare Homeowners Insurance Rates in Wernersville, PA!

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Average Rates Nearby Wernersville

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

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

19565,

Wernersville, PA Home Insurance Average Premiums

Local Wernersville, PA home insurance quotes comparison

$465 /yr.

Shows Wernersville's lowest average rates with discounts applied.

For the city of Wernersville, 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)	$465 /yr.
Average Coverage:	$715 /yr.
2600 sq. ft. or higher (all discounts applied)	$1015 /yr.

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

• The average homeowners insurance premium paid annually for a home in Wernersville is around $715 per year.

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

• Homeowners in Wernersville pay an average cost per month around $60.00 for insurance coverage.

Wernersville, PA Coastal Wind, Hail & Flood Information

Wernersville 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.

Wernersville, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$302,706	$273,986
February	$302,373	$278,907
March	$303,524	$284,857
April	$306,103	$290,247

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

Saving Money Tips on Wernersville Home Insurance

A great way to save money on Wernersville 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 Wernersville 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
411 ft.	This is the average home elevation in Wernersville, 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 Wernersville, 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.

Elevation

Details

Homeowners Tips

411 ft.

This is the average home elevation in Wernersville, 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 Wernersville, 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 Wernersville, 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 Berks County.

Pennsylvania Homeowners Insurance News & Information

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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 […]

Wernersville, PA Dwelling Coverage Estimate

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

- The average square footage in Wernersville is around 1,361 Sq. Ft. which would cost you around $185,100 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $185,100

Location: Wernersville, Pennsylvania (Berks County)

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

Average Square Footage in Wernersville: 1,361 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$185,100
Some Additional Upgrades	$170	$231,375
Major Home Updates or Advancements	$204	$277,650

Calculate Your Wernersville, PA Dwelling Coverage

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