Compare quotes for your home in 16878! Compare the best 12 carriers in minutes.
Shop for Home Insurance in 16878 right now!
If you live in the 16878 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of West Decatur have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
Our service is always free and we not only find a great policy for you, our PA licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.
It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 16878 and then compare quotes from a variety of nationwide insurance companies.
16878 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 16878 the average premium for homeowners coverage is $832 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 16878. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
Get Free Home Insurance Quotes in 16878 Today!
We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.
Click to review the best West Decatur, PA home insurance quotes in your area.
16878 Home Insurance Average Premiums
$582 /yr.
Shows Zip Code: 16878 lowest rates with discounts applied on average.
For the 16878, 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) | $582 /yr. |
| Average Coverage: | $832 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1132 /yr. |
What is the average home insurance cost for a home in 16878?
- • The average homeowners insurance premium paid annually for a home in 16878 is around $832 per year.
What does it cost on average per month for home insurance in 16878?
- • Homeowners in 16878 pay a monthly average cost per month around $69.00.
What kind of discount could I get if I combine my home and auto insurance together in 16878?
- • Autoowners in 16878 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 West Decatur, check out other zip codes nearby 16878.
To review average rates in another zip code, click on a zip code below:
16878 |
Home Replacement Cost Coverage in 16878
Average Building Cost Per Square Foot in 16878: $136
Location: West Decatur, Pennsylvania (Clearfield County)Average Square Footage in 16878: 854 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 16878 before you start any project. West Decatur 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 16878 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 16878 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 854 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 West Decatur 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $136 | 854 | $116,100 |
| Additional Upgrades & Added Features | $170 | 854 | $145,125 |
| Major Home Updates or Advancements | $204 | 854 | $174,150 |
It's important to understand that when you estimate your replacement cost of your home in the 16878 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 16878
Best Home & Auto Insurance Agencies in 16878
Housing Demographics for 16878
Population Review for 16878 Zip Code
For the city of West Decatur, the population within 16878 has increased to over 1,759 residents in population size. The current population total is 1,862. We have broken down the population based on race below. In 16878, there are over 988 in male population and 874 females.
| Population | Values |
|---|---|
| Total Population | 1,862 |
| White Population | 1785 |
| Black Population | 2 |
| Hispanic Population | 5 |
| Asian Population | 3 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 6 |
| Male Population | 988 |
| Female Population | 874 |
| Population Estimate | 1759 |
Household Data for 16878
The average number of homes in 16878 is around 762, there are an average of 2.44 per household. The average house value according to local real estate values is around $116,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 762 |
| Persons Per Household | 2.44 |
| Average House Value | $116,100 |
| Income Per Household | $65948 |
| Median Age | 47.4 |
| Median Age Male | 46.7 |
| Median Age Female | 48.7 |
| 16878 Details | Values |
|---|---|
| State | PA |
| State Full Name | Pennsylvania |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 814 |
| City | West Decatur |
| City Alias Name | WEST DECATUR |
| County | Clearfield |
| County FIPS | 033 |
| State FIPS | 42 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 524 |
| CBSA | 20180 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | DuBois, PA |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 17 |
| Number Of Employees | 58 |
| Business First Quarter Payroll | 424 |
| Business Annual Payroll | 2225 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 81642 |
| CBSA Division Population | 0 |
| Congressional District | 15 |
| Congressional LandArea | 1285.03 |
| Delivery Residential | 721 |
| Delivery Business | 12 |
| Delivery Total | 829 |
| Preferred Last Line Key | X1B902 |
| Classification Code | |
| Multi-County | |
| CSA Name | State College-DuBois, PA |
| CBSA_DIV_Name | |
| City State Key | X1B902 |
| Land Area | 28.741000 |
| Water Area | 0.046000 |
| City Alias Code | |
| City Mixed Case | West Decatur |
| City Alias Mixed Case | West Decatur |
| Box Count | 87 |
| SFDU | 694 |
| MFDU | 0 |
| State ANSI | 42 |
| County ANSI | 033 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 419048 |
| Unique ZIP Name | |
| SSA State County Code | 39230 |
| Medicare CBSA Code | 99939 |
| Medicare CBSA Name | Rural Areas in PA |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 5 |
| County Mixed Case | Clearfield |
Pennsylvania Homeowners Insurance News & Information
-
Coastal Texas Home Insurance Rates Posted on Wednesday 25th February, 2026
If you own a home along the Texas coastline, understanding Coastal Texas home insurance rates is critical to protecting both your property and your financial future. As a professional home insurance agent, I always explain to coastal homeowners that insuring a home near the Gulf comes with unique risks — especially from hurricanes, tropical storms, […]
-
Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026
Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]
-
Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026
Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]