Gavop's guide to buying homeowners insurance in Vernon, PA covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $36,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $60,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $154,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $143,000 | $130,000 | $125,000-$150,000 |
| 5 Bedroom | $268,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$99 | $521 |
| Superior Protection Discount | -$62 | $558 |
| Fire & Security Discount | -$68 | $552 |
| Hail Resistant Roof Discount | -$19 | $601 |
| Newly Constructed Home Discount | -$161 | $459 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Crawford County | $2,500 | $821 | $3,321 | $597 | $3,097 | $224 |
| Vernon, PA | $1,500 | $613 | $2,113 | $445 | $1,945 | $167 |
| French Creek, PA | $400 | $639 | $1,039 | $465 | $865 | $175 |
| Rouseville, PA | $1,500 | $448 | $1,948 | $325 | $1,825 | $122 |
| Summit, PA | $300 | $648 | $948 | $471 | $771 | $177 |
| President, PA | $2,500 | $635 | $3,135 | $462 | $2,962 | $174 |
| Trumbull County, OH | $500 | $603 | $1,103 | $438 | $938 | $165 |
| Bazetta, OH | $1,500 | $628 | $2,128 | $457 | $1,957 | $172 |
| Trumbull, OH | $300 | $679 | $979 | $493 | $793 | $185 |
| West Liberty, PA | $1,500 | $739 | $2,239 | $537 | $2,037 | $202 |
| Mineral Ridge, OH | $300 | $661 | $961 | $480 | $780 | $181 |
| Poland, OH | $700 | $637 | $1,337 | $463 | $1,163 | $174 |
| Home Insurance Company Vernon, PA | Homeowners Insurance Agency Vernon, PA | Address | Popularity Score | Distance from Vernon (miles) |
|---|---|---|---|---|
| State Farm | Adrienne Natili | 558 Centreville Pike, Slippery Rock, PA, 16057-3004 | 41.5 | |
| Travelers | Mantsch-Lafaro Agency | 4627 Peach St, Erie, PA, 16509 | 32.3 | |
| Travelers | R C Chase Insurance | 712 Maryland Ave, Erie, PA, 16505 | 33.7 | |
| Travelers | The Richard Pitts Agency | 800 N Main St, Meadville, PA, 16335 | 3.5 | |
| Travelers | Cronk Insurance Inc | 1444 W 38th St, Erie, PA, 16508 | 32.6 | |
| Farmers | Palmiero Insurance Agency | 16165 Conneaut Lake Rd, Meadville, PA, 16335 | 0.5 | |
| Erie | Schwab Insurance Agency | 15957 Conneaut Lake Rd Ste 12 , Meadville, PA, 16335 | 0.6 | |
| State Farm | Chris Hobbs | 4546 W Ridge Rd, Erie, PA, 16506-1436 | 30.9 | |
| Allstate | Mary Carlotti | 3122 State St, Erie, PA, 16508 | 33.9 | |
| Liberty Mutual Independent | Crotty Insurance Agency | 3132 Sterrettania Rd, Erie, PA, 16506 | 31.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $510 | $1,030 | $520 |
| Crawford County, PA | $108,200 | $831 | $590 | $1,190 | $600 |
| Vernon, PA | $110,500 | $620 | $420 | $860 | $440 |
| French Creek, PA | $122,100 | $647 | $450 | $930 | $480 |
| Rouseville, PA | $51,000 | $453 | $330 | $640 | $310 |
| Summit, PA | $190,000 | $656 | $440 | $930 | $490 |
| President, PA | $120,200 | $643 | $440 | $880 | $440 |
| Trumbull County, OH | $101,600 | $610 | $420 | $870 | $450 |
| Bazetta, OH | $123,000 | $636 | $430 | $880 | $450 |
| Trumbull, OH | $124,400 | $687 | $500 | $950 | $450 |
| West Liberty, PA | $171,900 | $748 | $500 | $1,030 | $530 |
| Mineral Ridge, OH | $117,000 | $669 | $470 | $960 | $490 |
| Poland, OH | $162,200 | $644 | $440 | $920 | $480 |