Cheswick, PA Home Insurance Quotes!

Cheswick, PA homeowners are now shopping online to conveniently discover new ways to compare home insurance prices. At GetHomeInsuranceQuotes.com, we enjoy providing top notch customer service to local homeowners that are in need of clear and accurate coverage for their beautiful Cheswick home. We understand that you don't have a ton of time to shop every home insurance company that can provide a competitive rate. That's our job! We work with you and help you compare the best coverage options available and it only takes a few minutes for you to complete the online quoting application. Since 2009, our focus has been to put the needs and the customer first. We have been able to service thousands of homeowners in Cheswick and throughout the state of Pennsylvania. We can usually provide up to 12 quotes and we can pick the best coverage options for you. In most cases, the best home insurance policy is not always the cheapest. And our PA licensed specialists are here to help you find the protection you need for you and your family.

For a quick homeowners insurance quotes for your home in Cheswick, PA, please enter your zip code. The process only takes 1 minute to complete. Start your home insurance quote today or give us a call now at 855-976-2656!

Cheswick, PA Homeowners Insurance Resources

Below are some additional resources to help you understand your home insurance coverage and policy details for a home located in Cheswick, PA.

What is the average Cheswick, PA home insurance rate per year? $745 / yr.
What is the monthly cost of home insurance in Cheswick on avereage? $62 per month
What is the cost of home insurance in Cheswick for a $275,000 home? $495 / yr.
What is the cost of homeowners insurance in Cheswick for a 3,000 square foot home? $1,045 / yr.
What the national average in the United States? $1311.00

The average home insurance rate for Cheswick displayed above is an accumlative average based on a standard homeowners insurance policy. We can help you compare up to 12 rates and review all the discounts and credits that may apply to help you save up to 40% or more.

Top 5 Helpful Saving Resources

Below are helpful saving tips when purchasing or shopping for home insurance.

FAQ: What is a Cheswick, PA Homeowners Insurance Policy?
FAQ: What does a replacement cost coverage and actual cash value mean for my home in Cheswick, PA?
This home insurance calculator will calculate your dwelling coverage for your home in Cheswick, PA so you know what type of home insurance coverage you need to cover your replacement cost.
Here are the top five homeowners insurance discounts that you may not be aware of in Pennsylvania
Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Cheswick, PA!

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Average Rates Nearby Cheswick

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

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

15024,

Cheswick, PA Home Insurance Average Premiums

Local Cheswick, PA home insurance quotes comparison

$495 /yr.

Shows Cheswick's lowest average rates with discounts applied.

For the city of Cheswick, 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)	$495 /yr.
Average Coverage:	$745 /yr.
2600 sq. ft. or higher (all discounts applied)	$1045 /yr.

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

• The average homeowners insurance premium paid annually for a home in Cheswick is around $745 per year.

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

• Homeowners in Cheswick pay an average cost per month around $62.00 for insurance coverage.

Cheswick, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$207,550	$195,396
February	$207,551	$198,452
March	$208,282	$203,144
April	$209,140	$206,919

Homeowners insurance will help cover the cost to repair or replace your Cheswick 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 Cheswick
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 Cheswick, PA homeowners insurance rates all in one place!

Saving Money Tips on Cheswick Home Insurance

A great way to save money on Cheswick 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 Cheswick 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
923 ft.	This is the average home elevation in Cheswick, 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 Cheswick, 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 Allegheny County.

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 […]
Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]

Cheswick, PA Dwelling Coverage Estimate

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

- The average square footage in Cheswick is around 1,104 Sq. Ft. which would cost you around $150,100 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $150,100

Location: Cheswick, Pennsylvania (Allegheny County)

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

Average Square Footage in Cheswick: 1,104 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$150,100
Some Additional Upgrades	$170	$187,625
Major Home Updates or Advancements	$204	$225,150

Calculate Your Cheswick, PA Dwelling Coverage

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