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Northampton County, PA Homeowners Insurance Quotes

Are you looking for a quick comparison of Northampton County, PA homeowners insurance quotes to review and compare the best rates today? We can provide up to 12 or more competitive home insurance rates with different coverage options from a basic HO-3 standard homeowner policy to a bundle / packaged discount policy that would include your home and auto grouped together. A basic policy for homeowners living in Northampton County includes protection against most major perils. If you are in need of earthquake or flood insurance, then we can help you find additional coverage. As you may know, a flood policy is separate from a standard HO-3 policy.

Affordable Northampton County Rates

Homeowners living in Northampton County, pay on average around $967 per year or $80.58 a month for home insurance. Let us help you shop multiple coverage options and provide up to 40% off in discount savings for your home in Northampton County. Online rate quotes can be easily reviewed by entering your zip code of the property you would like to insure or give us a call now at 1-855-976-2656

For all Northampton 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 Northampton 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.

Northampton County, PA Housing Demographics

With 297,735 residents living within the Northampton County area there are over 120,363 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 78,219 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 Northampton County.

DemographicValues
Total Occupied Households113,565
Family Households (families)78,219
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units120,363

Northampton County, PA Home Insurance Average Premiums

Local Northampton, 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

  • 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 […]

Discounts For Homeowners in Northampton 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 Northampton 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 Northampton 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 Northampton 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.

Northampton County Housing & Real Estate Data

Details:Statistics
Total Housing Units120363
Occupied Housing Units113565
Vacant Housing Units6798
Vacant Housing Units for Rent2244
Vacant Housing Units Rented Not Occupied141
Vacant Housing Units For Sale1353
Vacant Housing Units Sold Not Occupied298
Vacant Housing Units For Seasonal Occasional Use755
Vacant Housing Units All Other Vacants2007
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units113565
Housing Tenure Occupied Units Owner Occupied82719
Housing Tenure Occupied Units Owner Occupied Population218281
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied30846
Housing Tenure Occupied Units Renter Occupied Population68834
Housing Tenure Occupied Units Renter Occupied Average Household Size2