Altoona, PA Home Insurance Quotes!

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Are you looking for an easily and affordable way to get a Altoona, PA home insurance policy? Homeowners insurance for your home located in Altoona will protect you from major financial losses if your home was damaged by a hurricane, fire, lightning storm, high winds, theft, vandalism or falling objects like power lines, trees or air debris. In a standard homeowners insurance policy, most of the items mentioned are covered. Also, most Altoona, PA homeowners insurance policies provide liability coverage if you were found responsible for someone's injury. It's very important to speak with a licensed insurance agent about your coverage protection, for example, most homeowners don't realize that a normal home insurance policy does not cover flood damage. When you speak with one of our Altoona based home insurance agents you will discover that you may be required or find that it is best to get flood insurance as an additional policy toward the protection coverage of your property.

Understanding more about your Altoona home insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your insurance company the most. Our Pennsylvania agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in Altoona, PA and let us generate the multiple quotes for you for free or call us now 855-976-2656. We will work with you to provide the best coverage and cost savings option. Start your Altoona home insurance quote today!

Altoona, PA Housing Data

Altoona has 46,320 residents, which translates into roughly 13,121 households per zip code with roughly 3 people per household. The average household income is a respectable $43,491, which is slightly below the national average. Homes are very affordable in the Altoona area with the average house value coming in at $100,550.

Average Altoona, PA Home Insurance Rates & Information

When shopping online for Altoona homeowners insurance, local residents have found better ways to save on their annual home insurance premium by easily comparing rates and applying for additional discounts. Rates are now as low as $471 per year for an HO-3 policy that covers the basic needs of homeowners insurance. Average rates in your area run around the $721 per year or only $60 per month for great coverage and a dependable insurance company you can trust. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

For the best home insurance rate and coverage options available, use to compare up to 12 rates for your home located in Altoona. Our process is free and our quoting application only takes a few minutes of your time to complete. Make sure you know when your home was built, the overall heated square footage of your home and all the discounts and credit options that may be available to you. Also, we calculate your dwelling coverage for you, but you can use our home insurance calculator to get a free estimate. To start the quoting process, simply enter your zip code. Our free online chat service is available if you have any questions about the property details of your home or give us a call now at 855-976-2656.

Compare Homeowners Insurance Rates in Altoona, PA!

Enter your Zip Code:    

Get up to 12 competitive Altoona, PA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Altoona, PA rates all in one place!

Average Rates Nearby Altoona

Are you looking for homeowners insurance in a city near Altoona? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Altoona, PA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Altoona.

16601,     16602,     

Altoona, PA Home Insurance Average Premiums

Local Altoona, PA home insurance quotes comparison

$471 /yr.

Shows Altoona's lowest average rates with discounts applied.

For the city of Altoona, 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)
$471 /yr.
Average Coverage:$721 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1021 /yr.

What is the average home insurance cost for a home in Altoona, PA?

  • • The average homeowners insurance premium paid annually for a home in Altoona is around $721 per year.

What does it cost on average per month for home insurance in Altoona, PA?

  • • Homeowners in Altoona pay an average cost per month around $60.00 for insurance coverage.

Altoona, PA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $113,977 $111,944
February $116,085 $112,404
March $117,573 $112,879
April $116,735 $112,832

Homeowners insurance will help cover the cost to repair or replace your Altoona home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Altoona
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Altoona, PA homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Altoona, PA rates all in one place!

Saving Money Tips on Altoona Home Insurance

A great way to save money on Altoona homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Altoona area? Check out what homeowners are paying on average for Pennsylvania homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
1509 ft. This is the average home elevation in Altoona, PA

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Pennsylvania flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Altoona, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Blair County.

Pennsylvania Homeowners Insurance News & Information

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    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • 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 […]

Altoona, PA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Altoona so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Altoona, PA?

- The average square footage in Altoona is around 739 Sq. Ft. which would cost you around $100,550 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $100,550

Location: Altoona, Pennsylvania (Blair County)

Average Building Cost Per Square Foot in Altoona: $136 (low end)

Average Square Footage in Altoona: 739 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$136$100,550
Some Additional Upgrades$170$125,688
Major Home Updates or Advancements$204$150,825

The dwelling coverage is calculated by the average cost per square foot ($136) in Altoona, Pennsylvania times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $425,000 (Media price to build of $170 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.