Gavop's guide to buying homeowners insurance in Somerset, 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 | $44,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $95,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $103,000 | $80,000 | $100,000-$125,000 |
| 4 Bedroom | $205,500 | $170,000 | $200,000-$250,000 |
| 5 Bedroom | $239,500 | $200,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $578 |
| Superior Protection Discount | -$71 | $642 |
| Fire & Security Discount | -$57 | $656 |
| Hail Resistant Roof Discount | -$21 | $692 |
| Newly Constructed Home Discount | -$164 | $549 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,156 |
| Physical Damage | $2,464 |
| Hail Damage | $4,476 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,222 |
| Home Insurance Company Somerset, PA | Homeowners Insurance Agency Somerset, PA | Address | Popularity Score | Distance from Somerset (miles) |
|---|---|---|---|---|
| State Farm | Jeff Berthney | 2526 Mosside Blvd Ste B, Monroeville, PA, 15146-3556 | 46.1 | |
| Erie | Sube Insurance | 614 S Franklin Ave, Somerset, PA, 15501 | 2.0 | |
| Nationwide | Donner-Farber & Associates Inc | 723 South St, Berlin, PA, 15530-1632 | 9.0 | |
| Erie | Bdh / Konhaus Llc | 238 North Street, Meyersdale, PA, 15552 | 14.3 | |
| State Farm | Angi Tennant | 231 N Rosina Ave, Somerset, PA, 15501-1319 | 1.4 | |
| State Farm | Bryan Bozovich | 565 E Main St, Somerset, PA, 15501-2108 | 1.1 | |
| Travelers | Mountain Insurance Agency Of Somerset Inc | 531 N Center Ave, Somerset, PA, 15501 | 1.2 | |
| Travelers | Walker & Associates | 111 Eleventh St P.O. Box 310 Turtle Creek, Turtle Creek, PA, 15145 | 48.2 | |
| Travelers | Firestone Insurance Agency Llc | 1102 Camp Wildwood Rd, Normalville, PA, 15469 | 19.6 | |
| Nationwide | Bair Insurance Group Inc | 3502 Route 130, Irwin, PA, 15642-1699 | 40.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $510 | $1,020 | $510 |
| Somerset County, PA | $103,100 | $846 | $600 | $1,170 | $570 |
| Somerset, PA | $104,900 | $713 | $510 | $980 | $470 |
| Salix, PA | $122,500 | $648 | $470 | $900 | $430 |
| South Connellsville, PA | $77,600 | $535 | $380 | $750 | $370 |
| Midland, MD | $74,700 | $584 | $460 | $740 | $280 |
| Grapeville, PA | $62,200 | $489 | $330 | $670 | $340 |
| Arona, PA | $86,200 | $559 | $400 | $790 | $390 |
| Indiana County, PA | $111,200 | $603 | $420 | $860 | $440 |
| German, PA | $75,800 | $732 | $490 | $1,010 | $520 |
| Clymer, PA | $67,100 | $504 | $340 | $710 | $370 |
| Monroeville, PA | $138,400 | $634 | $460 | $870 | $410 |
| Van Voorhis, PA | $69,000 | $510 | $370 | $700 | $330 |