How Can I Make My Lancaster, PA Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Lancaster, PA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Select the Suitable Coverage Value for your Lancaster, PA Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $78,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $153,000 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $163,500 | $150,000 | $175,000-$200,000 |
| 5 Bedroom | $179,000 | $150,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Lancaster, PA | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$141 | $690 |
| Superior Protection Discount | -$75 | $756 |
| Fire & Security Discount | -$83 | $748 |
| Hail Resistant Roof Discount | -$25 | $806 |
| Newly Constructed Home Discount | -$216 | $615 |
Choose the Right Deductible for your Lancaster, PA Home | Back to Top
| 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 |
| Lancaster County | $700 | $754 | $1,454 | $548 | $1,248 | $206 |
| Lancaster, PA | $2,000 | $821 | $2,821 | $597 | $2,597 | $224 |
| Smoketown, PA | $200 | $842 | $1,042 | $612 | $812 | $230 |
| Landisville, PA | $700 | $847 | $1,547 | $615 | $1,315 | $231 |
| Terre Hill, PA | $200 | $772 | $972 | $561 | $761 | $211 |
| Lower Chanceford, PA | $2,000 | $756 | $2,756 | $549 | $2,549 | $207 |
| South Coatesville, PA | $400 | $704 | $1,104 | $512 | $912 | $193 |
| Toughkenamon, PA | $700 | $1,002 | $1,702 | $728 | $1,428 | $274 |
| Pine Grove, PA | $400 | $713 | $1,113 | $518 | $918 | $195 |
| Phoenixville, PA | $2,500 | $697 | $3,197 | $507 | $3,007 | $191 |
| Table Rock, PA | $300 | $679 | $979 | $493 | $793 | $185 |
| Weisenberg, PA | $2,500 | $957 | $3,457 | $696 | $3,196 | $262 |
Identify Top Home Insurance Agents near Lancaster, PA | Back to Top
| Home Insurance Company Lancaster, PA | Homeowners Insurance Agency Lancaster, PA | Address | Popularity Score | Distance from Lancaster (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Core Insurance Group | 16 Campus Blvd Ste 125, Newtown Square, PA, 19073 | 46.8 | |
| Liberty Mutual Independent | Goods Insurance Agency Inc | 352 E Main St Ste 200, Leola, PA, 17540 | 8.8 | |
| State Farm | Trish Howser | 1865 N Susquehanna Trl, York, PA, 17404-1838 | 23.6 | |
| Travelers | Francis Hall Insurance Services | 1065 Andrew Dr Ste B1, West Chester, PA, 19380 | 37.8 | |
| Nationwide | Tim Long Insurance | 410 W State St, Mertztown, PA, 19539-9600 | 43.3 | |
| Travelers | Wills Insurance Management Inc | 130 N Henderson Rd, King Of Prussia, PA, 19406 | 49.8 | |
| State Farm | Deb Shelley | 5256 Simpson Ferry Rd, Mechanicsburg, PA, 17050-3514 | 38.1 | |
| Allstate | Steven Taub | 399 E Baltimore Ave, Media, PA, 19063 | 49.5 | |
| State Farm | Christine Flomerfelt | 353 S 7th St, Akron, PA, 17501-1464 | 9.0 | |
| State Farm | Merry Piper | 705 E Nields St, West Chester, PA, 19382-4935 | 38.2 |
Compare Rates for Lancaster, PA Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $540 | $1,020 | $480 |
| Lancaster County, PA | $193,200 | $763 | $510 | $1,050 | $540 |
| Lancaster, PA | $109,700 | $831 | $560 | $1,170 | $610 |
| Smoketown, PA | $228,800 | $852 | $610 | $1,180 | $570 |
| Landisville, PA | $231,400 | $857 | $610 | $1,170 | $560 |
| Terre Hill, PA | $190,200 | $781 | $540 | $1,110 | $570 |
| Lower Chanceford, PA | $181,300 | $765 | $540 | $1,060 | $520 |
| South Coatesville, PA | $154,000 | $713 | $490 | $1,010 | $520 |
| Toughkenamon, PA | $305,100 | $1,014 | $700 | $1,440 | $740 |
| Pine Grove, PA | $158,200 | $722 | $530 | $1,030 | $500 |
| Phoenixville, PA | $222,400 | $706 | $520 | $990 | $470 |
| Table Rock, PA | $141,100 | $687 | $490 | $980 | $490 |
| Weisenberg, PA | $286,200 | $969 | $660 | $1,370 | $710 |
Research Home Insurance Companies Reviews in Lancaster, PA Before Buying | Back to Top
Share a review on your home insurance company
Progressive Home Insurance Reviews
Date: October 21, 2019 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
Since our agent does all of the comparisons and then presents the policy to us, I am not sure how the premium and deductibles compared to other companies, but he knew our budget was low.
Date: August 18, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I had to call my Home insurance company customer service once this year to make a flood claim and I found them very helpful and reliable and got my claim in fast and easy.
Date: June 12, 2019 Age: 40 to 49 Gender: Married Marital Status: Male
Premium
When I compared Progressive's premiums with those of competitors, I found that I was getting the best price. In general, I'm either paying less for the same coverage.
GEICO Home Insurance Reviews
Date: July 27, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The deductible is what it is, and it was my choice. I usually ask the companies that work on my car or house if they will work with on it. For the amount that is covered, I am really happy
State Farm Home Insurance Reviews
Date: September 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
They offer me homeowners and also auto insurance. I get a discount on my auto insurance because I also have the homeowners insurance. I've never had to make a claim, but so far they seem less expensive than other insurers I've looked at.