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Bradford County, PA Homeowners Insurance Quotes

Bradford County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Pennsylvania homeowners policy.

Basic Coverage Protection and Rates

For a basic standard homeowners policy in Bradford County also referred to as an HO-3 policy, you are looking at paying around $80.58 per month. Most homeowners pay annually for home insurance which is estimated to be around $967 per year. Bradford County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Pennsylvania enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Bradford County homeowners policy for you.

For all Bradford County, PA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Bradford County? Simply enter your zip code to get your Pennsylvania homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Bradford County, PA Housing Demographics

With 62,622 residents living within the Bradford County area there are over 29,979 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 17,303 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Bradford County.

DemographicValues
Total Occupied Households25,321
Family Households (families)17,303
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units29,979

Bradford County, PA Home Insurance Average Premiums

Local Bradford, PA homeowners insurance quotes comparison

$793 /yr.

Pennsylvania's Average Home Insurance Rates Overall

For the state of Pennsylvania, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 41 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$586 /yr.
Current Average Cost:$793 /yr.
Maximum Range:$967 /yr.

Pennsylvania Homeowners Insurance News & Information

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

Discounts For Homeowners in Bradford County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Pennsylvania homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Bradford County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Bradford County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Bradford County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Bradford County Housing & Real Estate Data

Details:Statistics
Total Housing Units29979
Occupied Housing Units25321
Vacant Housing Units4658
Vacant Housing Units for Rent536
Vacant Housing Units Rented Not Occupied47
Vacant Housing Units For Sale171
Vacant Housing Units Sold Not Occupied91
Vacant Housing Units For Seasonal Occasional Use3022
Vacant Housing Units All Other Vacants791
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units25321
Housing Tenure Occupied Units Owner Occupied18801
Housing Tenure Occupied Units Owner Occupied Population47516
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied6520
Housing Tenure Occupied Units Renter Occupied Population14527
Housing Tenure Occupied Units Renter Occupied Average Household Size2