Industry, PA Home Insurance Quotes!

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You can now easily compare up to 12 home insurance rates in Industry, PA online without the hassle of multiple home insurance agents or companies calling you all at once. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to finding cheaper rates with better coverage options. The majority of our carrier options are rated "A+" by A.M. Best and most of all they are brand names you can trust like Travelers, Safeco, Nationwide, Liberty Mutual, Progressive, and so many more carriers that are very competitive in the Industry area.

Getting multiple Pennsylvania homeowners insurance quotes doesn't have to be a stressful burden. We make it easy for you to get the quotes you need fast so you have time to review, compare and save up to 40% or more on your new home insurance policy. Please visit our discounts and credits page to find out how you can save additional money on your home insurance premium to help make it more affordable. Our process will run multiple estimates to help you apply all the discounts available so we can help you bundle and package your home insurance coverage together. This process makes it easy for you to get the home insurance shopping done right the first time.

Our Industry, PA Home Insurance Quoting Process

It's time to start saving time and money by shopping your policy with us. Lower rates are available for homeowners living in Industry as low as $496 a year, so it's important to work with a Industry homeowners insurance agent that knows the best carrier that's right for you and your family. Our process is simple and thousands of homeowners just like you enjoy our fast, free shopping service. Once you complete our quoting application, we will present up to 12 rates. We will also assign one licensed home insurance professional to help answer any questions that you may have. Enter your zip code and get your quotes today!

Homeownership in Industry, PA

It's no secret that Industry, PA has now reached over 3,483 residents in population size with 1,409 homes within the city of Industry. The average number of homes per zip code in Industry is around 1,409. With population density increasing, it's important to make sure your home has the proper coverage within your local neighborhood or district.

SourceValue
Location:Industry, PA (BEAVER County)
Population:3,483
Occupied Residents:1,409
Average Real Estate Value Per Zip Code:$135,200

Homeowners Insurance Rates in Industry

Common questions that we get from homeowners based out of Industry, usually have to do with a comparision request of what they are currently paying per year for home insurance and what other homeowners in Beaver County are also paying for the best home insurance coverage. Residents of Industry, PA are currently paying $746 per year for homeowners insurance coverage on average, where the majority of the United States home insurance premiums are around $1,311. When we shop your policy, you can expect more affordable premiums that can be as low as $496 a year for great coverage with a great company. Homes that are larger in square footage require more replacement cost coverage so rates for a home above the 2500 square foot range are seeing rates around $1,046 a year. Most homeowners in your area are paying around $62 per month for a standard homeowners policy not including wind and hail insurance, flood or earth quake coverage. Those require a separate policy to help cover major damages to your home.

Compare Homeowners Insurance Rates in Industry, PA!

Enter your Zip Code:    

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

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

Average Rates Nearby Industry

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

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

15052,     

Industry, PA Home Insurance Average Premiums

Local Industry, PA home insurance quotes comparison

$496 /yr.

Shows Industry's lowest average rates with discounts applied.

For the city of Industry, 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)
$496 /yr.
Average Coverage:$746 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1046 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Industry is around $746 per year.

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

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

Industry, PA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $151,929 $156,700
February $152,868 $156,699
March $154,160 $156,466
April $154,655 $156,066

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

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

Saving Money Tips on Industry Home Insurance

A great way to save money on Industry 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 Industry 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
1161 ft. This is the average home elevation in Industry, 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 Industry, 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 Beaver County.

Pennsylvania Homeowners Insurance News & Information

  • 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 […]

  • 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 […]

Industry, PA Dwelling Coverage Estimate

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

- The average square footage in Industry is around 994 Sq. Ft. which would cost you around $135,200 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $135,200

Location: Industry, Pennsylvania (Beaver County)

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

Average Square Footage in Industry: 994 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$136$135,200
Some Additional Upgrades$170$169,000
Major Home Updates or Advancements$204$202,800

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