Gavop's guide to buying homeowners insurance in Bern, 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.
| Bern, PA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Burdan Dr, Wall St, Victory Cir, Dunkelberger Rd, Possum Ln, Kercher Rd, W Shore Dr, Stephen Rd, Rebers Bridge Rd, Van St | $215,500 | $180,000 | $200,000-$250,000 | $390,500 | $330,000 | $400,000-$500,000 |
| E Hafer Dr, Mahlon St, Mayo Dr, Curtis Ave, Faller Ln, Allison Rd, Sunshine Rd, Rte 183, Boeing Ave, Zeigler Rd | $248,500 | $220,000 | $200,000-$250,000 | $449,500 | $400,000 | $500,000-$600,000 |
| Lockheed Ave, Arlington Dr, N Schuylkillhill Rd, Indian Manor Dr, Mitchell Rd, Bellemans Rd, Miriam Ave, White Oak Ln, Cullum Dr, Heather Ln | $154,500 | $130,000 | $125,000-$150,000 | $340,000 | $290,000 | $250,000-$300,000 |
| Langley Rd, Barlow Ave, Golf Rd, Bing St, Aspen Ln, Strause Ln, Wilson St, Plum Creek Rd, W Reeser St, Marina Ln | $183,000 | $170,000 | $175,000-$200,000 | $373,500 | $300,000 | $350,000-$400,000 |
| Green Ln, Woodward Dr, Kercher Ave, Cathy Dr, Washington Rd, Ziegler Rd, Degler Ave, Scott Dr, Crest Rd, Schuylkill Hill Rd | $230,000 | $200,000 | $250,000-$300,000 | $391,000 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $570 |
| Superior Protection Discount | -$63 | $632 |
| Fire & Security Discount | -$63 | $632 |
| Hail Resistant Roof Discount | -$14 | $681 |
| Newly Constructed Home Discount | -$174 | $521 |
| 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 |
| Berks County | $700 | $715 | $1,415 | $520 | $1,220 | $195 |
| Bern, PA | $1,000 | $686 | $1,686 | $499 | $1,499 | $188 |
| Gouglersville, PA | $300 | $724 | $1,024 | $526 | $826 | $198 |
| Upper Tulpehocken, PA | $700 | $792 | $1,492 | $576 | $1,276 | $217 |
| Schuylkill Haven, PA | $300 | $711 | $1,011 | $517 | $817 | $194 |
| East Brandywine, PA | $2,000 | $903 | $2,903 | $656 | $2,656 | $247 |
| Harleysville, PA | $400 | $837 | $1,237 | $608 | $1,008 | $229 |
| Wakefield, PA | $1,000 | $804 | $1,804 | $584 | $1,584 | $220 |
| Aston, PA | $500 | $725 | $1,225 | $527 | $1,027 | $198 |
| Valley View, PA | $700 | $700 | $1,400 | $509 | $1,209 | $191 |
| Lewisberry, PA | $200 | $708 | $908 | $515 | $715 | $194 |
| Upland, PA | $2,000 | $617 | $2,617 | $448 | $2,448 | $168 |
| Home Insurance Company Bern, PA | Homeowners Insurance Agency Bern, PA | Address | Popularity Score | Distance from Bern (miles) |
|---|---|---|---|---|
| Travelers | Capstone Insurance Group | 1120 Welsh Rd Ste 220, North Wales, PA, 19454 | 40.6 | |
| Travelers | Campbell Agencies Inc | 236 Wells Rd, Doylestown, PA, 18901 | 45.7 | |
| Allstate | Steve Torpey Jr | 2610 Jenkintown Rd, Glenside, PA, 19038 | 48.7 | |
| State Farm | Patrick Bury | 2206 S Queen St, York, PA, 17402-4629 | 48.8 | |
| Erie | B & B Insurance Agency | 1231 E Chocolate Avenue, Hershey, PA, 17033 | 33.7 | |
| Allstate | Gerald Cassidy | 440 Baltimore Pike, Springfield, PA, 19064 | 48.5 | |
| State Farm | Joe Deegan | 21 York Rd, Willow Grove, PA, 19090-3420 | 50.0 | |
| State Farm | Patty Wright | 2417 State Hill Rd, Wyomissing, PA, 19610-1815 | 3.9 | |
| Travelers | Lechner & Stauffer Inc | 589 Main St, Pennsburg, PA, 18073 | 26.5 | |
| Travelers | Griffith Insurance Llp | 1240 West Chester Pk Ste 214, West Chester, PA, 19382 | 37.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $540 | $1,070 | $530 |
| Berks County, PA | $170,900 | $724 | $510 | $1,030 | $520 |
| Bern, PA | $215,100 | $695 | $480 | $950 | $470 |
| Gouglersville, PA | $164,300 | $733 | $520 | $1,040 | $520 |
| Upper Tulpehocken, PA | $201,500 | $802 | $550 | $1,100 | $550 |
| Schuylkill Haven, PA | $82,100 | $720 | $510 | $1,020 | $510 |
| East Brandywine, PA | $388,600 | $914 | $630 | $1,250 | $620 |
| Harleysville, PA | $302,500 | $847 | $620 | $1,160 | $540 |
| Wakefield, PA | $208,100 | $814 | $580 | $1,120 | $540 |
| Aston, PA | $239,900 | $733 | $530 | $1,010 | $480 |
| Valley View, PA | $151,900 | $709 | $490 | $1,000 | $510 |
| Lewisberry, PA | $155,900 | $717 | $520 | $1,030 | $510 |
| Upland, PA | $112,100 | $624 | $420 | $890 | $470 |