North Apollo, PA Home Insurance Quotes!

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Did you know North Apollo, PA homeowners are now finding easier ways to shop and compare home insurance rates online as low as $483 a year. At GetHomeInsuranceQuotes.com, we provide superior service when it comes to handling your insurance needs. Our quoting application process has been trusted by thousands of homeowners like you who want a quick way to compare rates without any hassle. Our licensed homeowners insurance professionals are nearby and here to help you compare multiple options and our convenient service allows us to answer the questions that you need to get the right coverage at the most affordable price. We provide the best rates from up to 12 carriers that are all highly rated by A.M Best and we shop the policy with you so you know which North Apollo insurance policy is best for you. Start your quote today by entering your zip code!

North Apollo, PA Average Rates

When our North Apollo agents discuss insurance premiums and packages with new customers, we work with them to clearly explain the additional ways for you to save time and money by discovering lower rates that are available to you through different carriers, coverage options and discounts. We know homeowners insurance is not always about price, but in North Apollo, homeowners are paying around $483 to $1,033 per year. Saving on your home insurance is key to discounts and coverage options, average rates are around $61 per month which is really cheap for great coverage. You can expect to pay around $733 per year depending on how much replacement cost coverage you need and if you can be approved for any discounts.

The average rates mentioned above for a standard homeowners insurance policy within the state of Pennsylvania includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. We always explain the policy details to you and help you understand that if your home is in need of additional coverage because the area in which your home is located requires flood or earthquake insurance then our agents will help you setup additional coverages. This is one of the many policy details our agents will recognize when you request an online North Apollo, PA homeowners insurance quote from us.

Compare Homeowners Insurance Rates in North Apollo, PA!

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

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

Average Rates Nearby North Apollo

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

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

15673,     

North Apollo, PA Home Insurance Average Premiums

Local North Apollo, PA home insurance quotes comparison

$483 /yr.

Shows North Apollo's lowest average rates with discounts applied.

For the city of North Apollo, 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)
$483 /yr.
Average Coverage:$733 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1033 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in North Apollo is around $733 per year.

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

  • • Homeowners in North Apollo pay an average cost per month around $61.00 for insurance coverage.

North Apollo, PA - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $134,320 $121,593
February $136,111 $123,092
March $137,208 $125,906
April $136,599 $128,175

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

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

Saving Money Tips on North Apollo Home Insurance

A great way to save money on North Apollo 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 North Apollo 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
848 ft. This is the average home elevation in North Apollo, 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 North Apollo, 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 Armstrong County.

Pennsylvania Homeowners Insurance News & Information

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  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

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  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

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  • 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 […]

North Apollo, PA Dwelling Coverage Estimate

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

- The average square footage in North Apollo is around 751 Sq. Ft. which would cost you around $102,200 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $102,200

Location: North Apollo, Pennsylvania (Armstrong County)

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

Average Square Footage in North Apollo: 751 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$136$102,200
Some Additional Upgrades$170$127,750
Major Home Updates or Advancements$204$153,300

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