Get Six Mile Run, PA Home Insurance Rates!
Six Mile Run, PA Homeowner Questions:
What is popluation for Six Mile Run, PA?
The city limit population is around 844.
How many homes in this area?
The total amount of homes in the city of Six Mile Run is 337 housing units.
What is the average Six Mile Run income?
The average annual income in the Six Mile Run area is estimated to be around $38,333.
What is the average real estate value for a home in Six Mile Run?
The average value of a home in Six Mile Run is $69,700.
What do Six Mile Run residents pay for homeowners coverage on average?
Homeowners insurance is $1,120 per year on average in the Six Mile Run area, this average is based on a standard HO-3 policy. We can help you compare rates and coverage options so you can review affordable rates for your home. Rates can change based on deductibles, risk, coverage options and discounts available. Let us help you shop the best rate for you!
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Average Home Insurance Rates Nearby Six Mile Run, PA
Are you looking for homeowners insurance in a city near Six Mile Run? We offer services in your local area, rates and coverages are available and best reviewed by zip code, please enter your zip code to get the best homeowners insurance rates available near Six Mile Run, PA. Below are some of our most recent quoted areas near Six Mile Run.
Home Insurance Rates by Zipcode in Six Mile Run, PA
Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Six Mile Run.
Six Mile Run, PA Home Insurance Average Premiums
$596 /yr.
For the city of Six Mile Run, 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) | $596 /yr. |
| Average Coverage: | $846 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1146 /yr. |
What is the average home insurance cost for a home in Six Mile Run, PA?
- • The average homeowners insurance premium paid annually for a home in Six Mile Run is around $846 per year.
What does it cost on average per month for home insurance in Six Mile Run, PA?
- • Homeowners in Six Mile Run pay an average cost per month around $71.00 for insurance coverage.
Six Mile Run, PA - 2026 Average House Value & Dwelling Information
Homeowners insurance will help cover the cost to repair or replace your Six Mile Run 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 Six Mile Run
- 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.
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What Does a Standard Homeowners Policy Cover?
A typical homeowners insurance policy in Six Mile Run includes protection for:
- Dwelling Coverage – Protects the structure of your home
- Other Structures – Covers detached garages, sheds, barns, and similar outbuildings
- Personal Property – Covers furniture, electronics, clothing, and belongings
- Loss of Use – Helps pay temporary living expenses if your home becomes uninhabitable due to a covered loss
- Personal Liability – Protects you against lawsuits or injury claims
- Medical Payments – Covers minor injuries to guests regardless of fault
Our agents will walk you through your coverage line by line so you fully understand what is included — and what may require additional endorsements. We also review optional protections such as flood or earthquake coverage, where applicable.
Saving Money Tips on Six Mile Run Home Insurance
A great way to save money on Six Mile Run 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 Six Mile Run 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 |
|---|---|---|
| 1615 ft. | This is the average home elevation in Six Mile Run, 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 Six Mile Run, 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 Bedford County.
Pennsylvania Homeowners Insurance News & Information
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Florida Homeowners Can Cut Insurance Bills —Here’s How, and Which Companies are Worth a Look Posted on Tuesday 11th November, 2025
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Homeowner’s Insurance Rates Spiking Over $3,000 a Year on Average Posted on Friday 19th September, 2025
According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners. According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]
Six Mile Run, PA Dwelling Coverage Estimate
It is important to calculate your dwelling coverage for your home in Six Mile Run 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 Six Mile Run, PA?
- The average square footage in Six Mile Run is around 513 Sq. Ft. which would cost you around $69,700 to replace the home if you base the home on the price to build per square foot of $136.
Minimum Replacement Cost Total: $69,700
Location: Six Mile Run, Pennsylvania (Bedford County)
Average Building Cost Per Square Foot in Six Mile Run: $136 (low end)
Average Square Footage in Six Mile Run: 513 Sq. Ft.
| Home Improvement Status | Price per Sq. Ft. | Dwelling Coverage |
|---|---|---|
| None or Very Minor Improvements | $136 | $69,700 |
| Some Additional Upgrades | $170 | $87,125 |
| Major Home Updates or Advancements | $204 | $104,550 |
The dwelling coverage is calculated by the average cost per square foot ($136) in Six Mile Run, 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.