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Cost of Homeowners Insurance in Allentown, PA

Allentown, PA homeowners are paying an average of $631.47 in home insurance each year. Factors that affect the cost of a policy include home value,coverage type, deductible and age or the material used to build your house.There are multiple ways to reduce the homeowners insurance cost, and the easiest way is to choose a higher deductible. Below is the summary of average home insurance costs available to Allentown homeowners based on various factors.

Home Insurance Cost Based on Deductibles 

Cost_of_Homeowners_Insurance_in_Allentown_PA

The deductible is the amount of money that an homeowner pays out of pocket before their insurance policy begins to pay any claims. Choosing a higher deductible can help lower your monthly premiums, which in turn makes it more affordable as well. For example, homeowners in Allentown can get $453.39 worth of coverage for as little as $2500 with a considerable discount available by opting for higher deductibles.Homeowners receive insurance for $482.31 and $531.31 respectively, on deductibles $2000 and $1500.

Due to the risk of damage from fires or other combustion reactions, a fire-resistant house, for example, will cut your average annual premium to $549.37 in Allentown. Likewise, Allentown homes built with masonry and brick may expect to pay an average price for homeowners' insurance coverage of $599.89. Whereas homes built with superior and hail resistant roofs pay a higher amount $568.32 and $612.52 respectively.

The age of the home is a significant factor in determining the cost of home insurance. Older homes are more likely to have structural problems, which raises the risk and thus the rates. Homes in Allentown that are 40 or 50 years old pay $647.88 and $655.46, respectively.On the other hand newly built homes are less prone to damage and home insurance companies offer substantial discounts to newly constructed homes. For instance newly constructed homes in Allentown can avail lower insurance of $448.34.

Homes with distinctive features are more likely to demand a higher premium than the state average. For instance, homeowners in Allentown pay a cost of $644.09 to install a swimming pool. In addition, homeowners who may have a swimming pool with a diving pool or a slide can get insurance for $656.72 and $669.35 respectively. Apart from these factors, Homeowners with high credit scores are likely to get lower rates from the Insurance companies.Credit score is a rating calculated and used by insurance providers that represents the chances of an individual filing a claim while under coverage.

Top Home Insurance Companies in Allentown, PA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Allstate A+ 13.33%
State Farm A 9%
Liberty Mutual A 8.33%
Travelers A++ 6.47%
GEICO A++ 3.26%

Top GEICO Home Insurance Agents in Allentown, PA

Homeowners Insurance Agents Agent Address Contact Details
Lynn Stark 2123 W MAIN ST
19403
610-630-0470
Email:lstark@geico.com
Greg Mauk 1165 W Baltimore Pike
19063
(610) 892-7000
Email:gmauk@geico.com
Randy Dubois 13324 Philmont Ave
19116
(215) 941-6454
Email:rdubois@geico.com
J.R. Williams 1200 BUSTLETON PIKE STE 2
19053
215-322-8555
Email:jrwilliams@geico.com

Top Travelers Home Insurance Agents in Allentown, PA

Homeowners Insurance Agents Agent Address Contact Details
Brown & Brown Of Colorado Inc 678 Route 202-206N Bldg 5
8807
908-595-1555
Sawyer-Phillips & Associates Inc 1116 Horsham Road
www.sawyerphillips.com 19002

Email:ann@oklains.com
Lewis-Clark & Brown Inc 18 EAST LANCASTER AVE SUITE 101
19355
610-889-9300
Email:lewisclarkbrown@comcast.net
Aaa Oklahoma-North Broken Arrow 1649 Hausman Rd
18104-9257
610-398-7233
Mckay Stelling & Associates 32 S. Broad St.
restinsuredcharleston.com 18064-2023
(610) 759-9666
Email:mmckay5@mckayins.net
Access West Ins Services Inc 1492 Main St Ste B
www.awhis.com 18032-2612
610-266-7250
West Texas Insurance Exchange Inc 2 Ryers Ave Cheltenham
19012

Email:westexin@wtie.net
Blue Chip Ins Agency Inc 4500 State Rd Fl 2
www.bluechipsantafe.com 19026-3914
610-853-9060
Email:bluechip@bluchipsantafe.com
Hahn Insurance 3112 Willits Rd
19136
(215) 676-2000
Mountain Insurance Agency Of Somerset Inc 1120 WELSH RD STE 220
19454
(215) 542-8030

Top State Farm Home Insurance Agents in Allentown, PA

Homeowners Insurance Agents Agent Address Contact Details
Troy Weldon 5910 Hamilton Blvd, Ste 200
www.troyweldon.com 18106
Brice Brown 117 Painters Xing
www.bricebrown.net 19382-8310
484-840-8992
Larry Hawk 3662 ROUTE 202
www.larryhawkagency.com 18902
215-345-9410
Diane Miller 1724 Bridgetown Pike
www.dianemilleragency.com 19053
(215) 322-4222
Mark Lathrop 8731 Frankford Ave
19136-2126
(215) 338-1590
Daton Kaisner 705 Stony Hill Road
www.datonkaisner.com 19067-4419
215-321-5900
Jerry Latta 21 E 5TH AVE STE 204
www.calljerrynow.com 19428
610-862-4300
Barb Powell 8468 Allentown Pike Ste 5
www.barbpowell.us 19510-9473
610-926-2700
Steve Fair 316 Main Street Bedminster
www.stevefair.com 7921
Mark Kasten 367 East Butler Ave
www.markkasten.com 19002
(215) 643-6267

Top Liberty Mutual Home Insurance Agents in Allentown, PA

Homeowners Insurance Agents Agent Address Contact Details
Jerry Lorenz 612 FAYETTE STREET
19428
610-834-1625
Mark Lipka Lutcf 401 Lakeside Dr
18966-4227
(215) 364-9440
Mark Kurchena 1111 Lincoln Ave
19076
(610) 534-9229
Tracy Mcneil 40 S 4Th St
18042
James Allen Holland Iii 13 BYBERRY RD
19040
215-343-4300
Mark Lewis Clu Cfp\Xae Chfc 1215 W Baltimore Pike Suite 16
19063-5540
(610) 891-7900
Eric Mahame 701 Horsham Rd
19044
(215) 672-9900
Marianna Sullivan 926 Ben Franklin Hwy E
19518-9547
(610) 582-5204
Christian Palisoc 658 Ridge Pike
19444-1722
610-825-2828
David Williams Jr. 6301 Mershon St
19149
(215) 288-2400

Top Allstate Home Insurance Agents in Allentown, PA

Homeowners Insurance Agents Agent Address Contact Details
Mark Massey 308 N Main St STE 600
18914-2912
(215) 997-1834
Esther Jordan 4000 Route 130
8075
(856) 393-8520
Brent Koch 1521 W Oregon Ave
19145-4640
215-467-1837
Susan Brennan 322 N State St
17522
Tim Ferguson 5423 Oxford Ave
19124
Michael Polack 200 Cottontail Lane Suite A101W
8873
1-732-563-6800
Bradford Bittner 8701 W Chester Pike Ste 5
19082-1138
610-789-3400
Michael Bartlett 4912 Route 309
18078
Calen Matsuno 1130 Route 202 Ste 2 Bldg E
08869-1444
908-231-0001
Ali Shah 631 E High St Ste 2
19464-5783
610-326-3231

Homeowners Insurance Comparison for the Cheapest Premiums in Allentown, PA

TravelersState FarmLiberty Mutual
Median Home Value ($) 121,600121,600111,600
Construction year 196619701943
Home Coverage ($) $125000-$150000$175000-$200000$125000-$150000
Total Premium ($) $1188$1311$1107

Allentown, PA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
GEICO upto 20%
Travelers upto 8%
Liberty Mutual upto 18%
Allstate upto 17%