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15744 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 15744 zip code it's important to know that our rates are very competitive for homeowners living in Hamilton, PA. Many homeowners based out of your 15744 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Pennsylvania licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 15744 should appear in the zip code field ready to go. For Hamilton, PA Homeowners Insurance Quotes nearby, we offer the best rates and service.

15744: Average Home Insurance Rates

For homeowners living in the great city of Hamilton, the average homeowners policy is considered very low in comparison to other states. Pennsylvania premiums are estimated to be around $728 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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15744 Home Insurance Average Premiums

Local 15744 homeowners insurance quotes comparison

$478 /yr.

Shows Zip Code: 15744 lowest rates with discounts applied on average.

For the 15744, 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)		$478 /yr.
Average Coverage:$728 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1028 /yr.

What is the average home insurance cost for a home in 15744?

  • • The average homeowners insurance premium paid annually for a home in 15744 is around $728 per year.

What does it cost on average per month for home insurance in 15744?

  • • Homeowners in 15744 pay a monthly average cost per month around $61.00.

What kind of discount could I get if I combine my home and auto insurance together in 15744?

  • • Autoowners in 15744 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Hamilton, check out other zip codes nearby 15744.
To review average rates in another zip code, click on a zip code below:
15744  | 

Home Replacement Cost Coverage in 15744

Average Building Cost Per Square Foot in 15744: $136

Location: Hamilton, Pennsylvania (Jefferson County)

Average Square Footage in 15744: 1,213 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 15744 before you start any project. Hamilton homeowners pay on average around $136 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 15744 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 15744 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,213 sq. ft. and the average cost to rebuild the home in this area is around $136 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Hamilton area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1361,213$165,000
Additional Upgrades & Added Features$1701,213$206,250
Major Home Updates or Advancements$2041,213$247,500

It's important to understand that when you estimate your replacement cost of your home in the 15744 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 15744

Best Home & Auto Insurance Agencies in 15744

Housing Demographics for 15744

Population Review for 15744 Zip Code

For the city of Hamilton, the population within 15744 has increased to over 12 residents in population size. The current population total is 74. We have broken down the population based on race below. In 15744, there are over 34 in male population and 40 females.

PopulationValues
Total Population74
White Population65
Black Population0
Hispanic Population1
Asian Population2
Hawaiian Population0
Indian Population0
Other Population0
Male Population34
Female Population40
Population Estimate12

Household Data for 15744

The average number of homes in 15744 is around 23, there are an average of 3.22 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode23
Persons Per Household3.22
Average House Value$165,000
Income Per Household$96250
Median Age34.0
Median Age Male29.5
Median Age Female47.5
15744 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code724
CityHamilton
City Alias NameHAMILTON
CountyJefferson
County FIPS065
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District15
Congressional LandArea1285.03
Delivery Residential4
Delivery Business0
Delivery Total41
Preferred Last Line KeyX18768
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyX18768
Land Area0.827000
Water Area0.096000
City Alias Code
City Mixed CaseHamilton
City Alias Mixed CaseHamilton
Box Count33
SFDU4
MFDU0
State ANSI42
County ANSI065
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number413428
Unique ZIP Name
SSA State County Code39400
Medicare CBSA Code99939
Medicare CBSA NameRural Areas in PA
Medicare CBSA TypeMicro
Market Rating Area ID5
County Mixed CaseJefferson

Pennsylvania Homeowners Insurance News & Information

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    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]