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Check Out 18360 Home Insurance Rates

Shopping for homeowners insurance is never fun but at GetHomeInsuranceQuotes.com we make the process much easier. We will provide you with multiple quotes and coverage options for your home in Stroudsburg, PA.

We will gather some basic information about your home in Stroudsburg, PA and will then get to work and gather quotes from up to 12 nationwide home insurers who will provide their most competitive prices for your policy needs.

Our service is always free and we have a team of Pennsylvania licensed home insurance professionals who can walk you through your policy options as well as answer any questions you may have about rates or coverage levels. In addition they will do a discount review to make sure you are getting all of the discounts that you are entitled to receive.

If you are ready to start researching homeowner insurance rates in 18360 simply click the "Get Multiple Quotes Now" button.

Research Home Insurance Quotes in 18360

We have pulled together a variety of data related to homeowners insurance in Pennsylvania. Simply click on one of the links below to learn about the average cost of homeowners insurance in Pennsylvania as well as local coverage options.

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Stroudsburg, PA home insurance quotes in your local city and review the most competitive coverages and premiums.

18360 Homeowners Insurance Rates, Average Rating: medium!

Homeowners insurance policies in 18360 include both property and casualty coverage which protects your home from a variety of risks which include but are not limited to fire, theft, vandalism, and wind damage. A standard homeowner policy also includes liability protection, which can come in handy if someone is injured on your property.

Unfortunately, flood and earthquake damage is not covered by a standard homeowners insurance policy so if you are located in a flood plain or high risk area, you will need a separate flood policy.

Regardless of what type of homeowners insurance you need, we can help you find a great policy at an affordable price. Data shows that for a standard homeowner policy in Pennsylvania is roughly $855. In most cases, we can help you save up to 40 percent on your homeowner insurance costs.

Get started right now saving on your 18360 homeowners insurance policy!

18360 Home Insurance Average Premiums

Local 18360 homeowners insurance quotes comparison

$605 /yr.

Shows Zip Code: 18360 lowest rates with discounts applied on average.

For the 18360, 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)
$605 /yr.
Average Coverage:$855 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1155 /yr.

What is the average home insurance cost for a home in 18360?

  • • The average homeowners insurance premium paid annually for a home in 18360 is around $855 per year.

What does it cost on average per month for home insurance in 18360?

  • • Homeowners in 18360 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 18360?

  • • Autoowners in 18360 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 Stroudsburg, check out other zip codes nearby 18360.
To review average rates in another zip code, click on a zip code below:
18360  | 

Home Replacement Cost Coverage in 18360

Average Building Cost Per Square Foot in 18360: $136

Location: Stroudsburg, Pennsylvania (Monroe County)

Average Square Footage in 18360: 1,629 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 18360 before you start any project. Stroudsburg 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 18360 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 18360 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,629 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 Stroudsburg 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$1361,629$221,500
Additional Upgrades & Added Features$1701,629$276,875
Major Home Updates or Advancements$2041,629$332,250

It's important to understand that when you estimate your replacement cost of your home in the 18360 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 18360

Best Home & Auto Insurance Agencies in 18360

Honochick, James President - Yutz Merkle Insurance

Address: PA-611 Stroudsburg, PA 18360
Phone:
Website: http://www.yutzmerkle.com/
Info:

Burns Jr- Frank R

Address: 912 Main St Stroudsburg, PA 18360
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Allstate Insurance Companies

Address: 1219 N 5th St Stroudsburg, PA 18360
Phone:
Website:
Info:

Frailey Insurance Agency

Address: 1285 N 9th St Stroudsburg, PA 18360
Phone:
Website:
Info:

I Salazar-Sheesley Ins Agy Inc - State Farm Insurance Agent

Address: 1403 N 5th St Stroudsburg, PA 18360
Phone:
Website:
Info:

Housing Demographics for 18360

Population Review for 18360 Zip Code

For the city of Stroudsburg, the population within 18360 has increased to over 28,977 residents in population size. The current population total is 29,079. We have broken down the population based on race below. In 18360, there are over 14347 in male population and 14732 females.

PopulationValues
Total Population29,079
White Population20685
Black Population3207
Hispanic Population3957
Asian Population935
Hawaiian Population18
Indian Population102
Other Population1575
Male Population14347
Female Population14732
Population Estimate28977

Household Data for 18360

The average number of homes in 18360 is around 11,312, there are an average of 2.50 per household. The average house value according to local real estate values is around $221,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,312
Persons Per Household2.50
Average House Value$221,500
Income Per Household$61446
Median Age45.4
Median Age Male43.9
Median Age Female46.8
18360 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias Abbreviation
Area Code570/272
CityStroudsburg
City Alias NameSTROUDSBURG
CountyMonroe
County FIPS089
State FIPS42
Time Zone5
Day Light SavingY
MSA
PMSA
CSA106
CBSA20700
CBSA_DIV
CBSA_TypeMicro
CBSA_NameEast Stroudsburg, PA
MSA_Name
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses899
Number Of Employees9645
Business First Quarter Payroll84183
Business Annual Payroll397566
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population169842
CBSA Division Population0
Congressional District08
Congressional LandArea706.93
Delivery Residential11591
Delivery Business1132
Delivery Total13087
Preferred Last Line KeyX1B400
Classification Code
Multi-County
CSA NameAllentown-Bethlehem-East Stroudsburg, PA-NJ
CBSA_DIV_Name
City State KeyX1B400
Land Area86.488000
Water Area0.624000
City Alias Code
City Mixed CaseStroudsburg
City Alias Mixed CaseStroudsburg
Box Count320
SFDU10011
MFDU585
State ANSI42
County ANSI089
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number418208
Unique ZIP Name
SSA State County Code39550
Medicare CBSA Code20700
Medicare CBSA NameEast Stroudsburg, PA
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseMonroe

Pennsylvania Homeowners Insurance News & Information

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    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 […]

  • Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025

    Florida homeowners have spent years paying some of the highest homeowner-insurance premiums in the nation. But the market is slowly stabilizing and there are concrete, immediate steps homeowners can take to shrink premiums — from simple paperwork to Florida’s “My Safe Florida Home” program — while shopping smarter for companies that combine strong service with […]