Canonsburg, PA Homeowners Insurance Rate Quotes!

Shopping online for a new homeowners insurance policy in Canonsburg just got a bit easier. Our website GetHomeInsuranceQuotes.com is here to help you find a great policy at the right price and our customer service reps will make sure that the whole insurance buying process is easy and stress free.

We work with dozens of highly trusted brand name insurance carriers that have been in business for decades so you can be confident that they will be there to help if you ever need to make a claim.

Our licensed Canonsburg insurance consultants are happy to help you compare multiple insurance quotes, advise you on what coverages are right for you and answer any questions you may have throughout the entire shopping process.

We will pull rates from up to 12 different insurance companies and present you with the best options for your home. All of our insurers are highly rated by A.M. Best and our service professionals will guide you through the maze of Pennsylvania home insurance options so you can be confident that you get the best coverage at an affordable price. Easily start your quote today by entering your Canonsburg zip code today!

Canonsburg Home Insurance Rate on Average

Rates depend on many factors, every policy is different because every home is different. Homeowners in Canonsburg are paying on average around $720 per year. Most homeowners insurance policies are paid annually, but home insurance normally cost around $60 per month for homes in the Canonsburg area. With discounts applied, some are seeing rates as low as $470 per year. More expensive homes that cost more to rebuild or replace are seeing rates higher in the $1,020 per year range. We can help you review which insurance company is best based on price, savings and most of all coverage options. Let us help you shop rates today!

These rates are for a standard homeowners insurance policy, which covers not only the structure of your home but also your contents and other detached structures on your property. In addition, all of our homeowner policies offer liability coverage in case someone is injured on your property as well as medical payments and loss of use coverage.

Insurance can be complicated and confusing but we will be with you every step of the way to help explain the various coverages and answer any questions you may have about your new insurance policy. We can also help identify other risks that may exist around your house, as an example, flood risk. If it turns out your house is in a high-risk area for flooding, we can help you find an affordable flood insurance policy.

For additional help, please visit our homeowners insurance blog for helpful articles, tips and customer related questions.

Compare Homeowners Insurance Rates in Canonsburg, PA!

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Average Rates Nearby Canonsburg

Are you looking for homeowners insurance in a city near Canonsburg? 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 Canonsburg, PA

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

15317,

Canonsburg, PA Home Insurance Average Premiums

Local Canonsburg, PA home insurance quotes comparison

$470 /yr.

Shows Canonsburg's lowest average rates with discounts applied.

For the city of Canonsburg, 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)	$470 /yr.
Average Coverage:	$720 /yr.
2600 sq. ft. or higher (all discounts applied)	$1020 /yr.

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

• The average homeowners insurance premium paid annually for a home in Canonsburg is around $720 per year.

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

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

Canonsburg, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$326,062	$309,833
February	$325,797	$313,307
March	$326,305	$317,046
April	$327,141	$320,438

Homeowners insurance will help cover the cost to repair or replace your Canonsburg 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 Canonsburg
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.

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

Saving Money Tips on Canonsburg Home Insurance

A great way to save money on Canonsburg 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 Canonsburg 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
926 ft.	This is the average home elevation in Canonsburg, 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 Canonsburg, 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 Washington County.

Pennsylvania Homeowners Insurance News & Information

Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025
Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year. With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]
Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025
Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase? The increasing frequency of […]
How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025
Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]
New Home Insurance Company Launches in Florida, Shows Signs of Improvement Posted on Tuesday 13th May, 2025
According to Office of Insurance Regulation and leaders in the industry, Florida may finally be emerging from the insurance crisis that it has suffered through for the last decade. Insurance companies operating in the state are starting to stabilize rates and new insurance companies are entering the Florida market. Recently, the Office of Insurance Regulation […]
Higher Premiums and Claim Handling Causes Poor Customer Satisfaction for Insurance Companies Posted on Friday 9th May, 2025
According to the recently released J.D. Power’s 2025 U.S. Property Claims Satisfaction Study, higher premiums and longer wait time for claim handling are making property owners less satisfied with their homeowners coverage. “Customers are, in essence, paying higher prices for slower service,” said Mark Garrett, director of insurance intelligence at J.D. Power in a press release. […]

Canonsburg, PA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Canonsburg 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 Canonsburg, PA?

- The average square footage in Canonsburg is around 1,920 Sq. Ft. which would cost you around $261,100 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $261,100

Location: Canonsburg, Pennsylvania (Washington County)

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

Average Square Footage in Canonsburg: 1,920 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$261,100
Some Additional Upgrades	$170	$326,375
Major Home Updates or Advancements	$204	$391,650

Calculate Your Canonsburg, PA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($136) in Canonsburg, 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.