19610, PA Home Insurance

In the zip code of 19610, the population size is around 16,024, which consists of 6,679 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Reading, PA. A few years ago, a study was done and found that the average home insurance rates for Pennsylvania are around $748 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 19610 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Reading. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Reading, PA Homeowners Insurance Online Rates Today!

19610 Home Insurance Average Premiums

Local 19610 homeowners insurance quotes comparison

$498 /yr.

Shows Zip Code: 19610 lowest rates with discounts applied on average.

For the 19610, 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)	$498 /yr.
Average Coverage:	$748 /yr.
2600 sq. ft. or higher (all discounts applied)	$1048 /yr.

What is the average home insurance cost for a home in 19610?

• The average homeowners insurance premium paid annually for a home in 19610 is around $748 per year.

What does it cost on average per month for home insurance in 19610?

• Homeowners in 19610 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 19610?

• Autoowners in 19610 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.

For shopping home insurance rates within the Reading area, check out other zip codes nearby 19610.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 19610

Average Building Cost Per Square Foot in 19610: $136

Location: Reading, Pennsylvania (Berks County)

Average Square Footage in 19610: 1,993 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 19610 before you start any project. Reading 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 19610 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 19610 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,993 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 Reading 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	1,993	$271,100
Additional Upgrades & Added Features	$170	1,993	$338,875
Major Home Updates or Advancements	$204	1,993	$406,650

Calculate Your Dwelling Coverage in 19610

It's important to understand that when you estimate your replacement cost of your home in the 19610 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 Home & Auto Insurance Agencies in 19610

Conner- John P

Address: 1153 Penn Ave Wyomissing, PA 19610
Phone:
Website:
Info:

Jeffrey A. Spotts Agency

Address: 1912 State Hill Rd Wyomissing, PA 19610
Phone:
Website:
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Securus Dunlop Group

Address: 1350 Broadcasting Rd, #202 Reading, PA 19610
Phone:
Website: http://www.securusgroup.com/
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Liberty Mutual

Address: 2 Meridian Blvd Reading, PA 19610
Phone:
Website: http://www.national.citysearch.com/profile/662415460/reading_pa/liberty_mutual.html
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Wright, Patty - State Farm Insurance Agent

Address: 2417 State Hill Rd Wyomissing, PA 19610
Phone:
Website: http://www.national.citysearch.com/profile/external/9044686/wyomissing_pa/wright_patty_state_farm_insurance_agent.html
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Housing Demographics for 19610

Population Review for 19610 Zip Code

For the city of Reading, the population within 19610 has increased to over 15,923 residents in population size. The current population total is 16,024. We have broken down the population based on race below. In 19610, there are over 7577 in male population and 8447 females.

Population	Values
Total Population	16,024
White Population	12702
Black Population	742
Hispanic Population	1705
Asian Population	758
Hawaiian Population	2
Indian Population	46
Other Population	709
Male Population	7577
Female Population	8447
Population Estimate	15923

Household Data for 19610

The average number of homes in 19610 is around 6,679, there are an average of 2.25 per household. The average house value according to local real estate values is around $271,100. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	6,679
Persons Per Household	2.25
Average House Value	$271,100
Income Per Household	$83628
Median Age	46.1
Median Age Male	43.4
Median Age Female	48.8

19610 Details	Values
State	PA
State Full Name	Pennsylvania
City Type	P
City Alias Abbreviation
Area Code	835/610/484/717/223
City	Reading
City Alias Name	READING
County	Berks
County FIPS	011
State FIPS	42
Time Zone	5
Day Light Saving	Y
MSA	6680
PMSA
CSA	428
CBSA	39740
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Reading, PA
MSA_Name	Reading, PA MSA
PMSA_Name
Region	Northeast
Division	Middle Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	910
Number Of Employees	19705
Business First Quarter Payroll	362311
Business Annual Payroll	1209635
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	411442
CBSA Division Population	0
Congressional District	06
Congressional LandArea	860.47
Delivery Residential	7077
Delivery Business	953
Delivery Total	8424
Preferred Last Line Key	X1A704
Classification Code
Multi-County
CSA Name	Philadelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State Key	X1A704
Land Area	7.087000
Water Area	0.052000
City Alias Code
City Mixed Case	Reading
City Alias Mixed Case	Reading
Box Count	229
SFDU	4939
MFDU	1155
State ANSI	42
County ANSI	011
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	416928
Unique ZIP Name
SSA State County Code	39110
Medicare CBSA Code	39740
Medicare CBSA Name	Reading, PA
Medicare CBSA Type	Metro
Market Rating Area ID	7
County Mixed Case	Berks

Pennsylvania Homeowners Insurance News & Information

Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024
According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums. While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]
Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024
As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]
Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024
Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

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