Gavop's guide to buying homeowners insurance in Hempfield, 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 | $50,000 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $131,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $212,000 | $180,000 | $200,000-$250,000 |
| 4 Bedroom | $262,500 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $452,000 | $370,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$96 | $589 |
| Superior Protection Discount | -$62 | $624 |
| Fire & Security Discount | -$62 | $624 |
| Hail Resistant Roof Discount | -$21 | $665 |
| Newly Constructed Home Discount | -$192 | $493 |
| 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 |
| Westmoreland County | $2,000 | $666 | $2,666 | $484 | $2,484 | $182 |
| Hempfield, PA | $700 | $677 | $1,377 | $492 | $1,192 | $185 |
| Lower Tyrone, PA | $2,000 | $578 | $2,578 | $420 | $2,420 | $158 |
| Edgewood, PA | $100 | $785 | $885 | $571 | $671 | $215 |
| West View, PA | $2,500 | $597 | $3,097 | $434 | $2,934 | $163 |
| East Wheatfield, PA | $500 | $600 | $1,100 | $436 | $936 | $164 |
| Casselman, PA | $700 | $471 | $1,171 | $342 | $1,042 | $129 |
| Middle Taylor, PA | $300 | $560 | $860 | $407 | $707 | $153 |
| Cowanshannock, PA | $1,500 | $530 | $2,030 | $385 | $1,885 | $145 |
| Aliquippa, PA | $500 | $711 | $1,211 | $517 | $1,017 | $194 |
| Dunkard, PA | $1,000 | $495 | $1,495 | $360 | $1,360 | $135 |
| Home Insurance Company Hempfield, PA | Homeowners Insurance Agency Hempfield, PA | Address | Popularity Score | Distance from Hempfield (miles) |
|---|---|---|---|---|
| State Farm | John Ryce | 10521 Perry Hwy, Wexford, PA, 15090 | 33.5 | |
| Travelers | Mosholder Insurance Agency | 135 W Main St, Somerset, PA, 15501 | 32.7 | |
| Erie | Eber & Associates Inc | 25 Gill Hall Road Suite 3, Jefferson Hills, PA, 15025 | 19.9 | |
| Allstate | Joe Laychak | 8 S 4th St, Youngwood, PA, 15697 | 2.9 | |
| State Farm | Bo Pierce | 6518 Route 22 Ste 462, Delmont, PA, 15626-2410 | 8.1 | |
| Farmers | Ian Jones | 105 Hartman Rd Ste 206, Greensburg, PA, 15601 | 5.7 | |
| Nationwide | Bair Insurance Group Inc | 3502 Route 130, Irwin, PA, 15642-1699 | 7.3 | |
| State Farm | Steve Heller | 146 Forest Hills Plz, Pittsburgh, PA, 15221-5211 | 16.7 | |
| Allstate | Carl Ogline | 1252 Scalp Ave Ste 1, Johnstown, PA, 15904 | 38.3 | |
| State Farm | Mike Thomas | 1789 Pine Hollow Rd, Mc Kees Rocks, PA, 15136-1575 | 30.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $500 | $1,060 | $560 |
| Westmoreland County, PA | $144,900 | $674 | $480 | $960 | $480 |
| Hempfield, PA | $166,100 | $685 | $470 | $970 | $500 |
| Lower Tyrone, PA | $96,300 | $585 | $430 | $810 | $380 |
| Edgewood, PA | $197,500 | $795 | $550 | $1,100 | $550 |
| West View, PA | $123,600 | $605 | $440 | $840 | $400 |
| East Wheatfield, PA | $104,900 | $607 | $420 | $840 | $420 |
| Casselman, PA | $58,300 | $477 | $340 | $680 | $340 |
| Middle Taylor, PA | $89,400 | $567 | $410 | $780 | $370 |
| Cowanshannock, PA | $78,100 | $536 | $370 | $760 | $390 |
| Aliquippa, PA | $72,000 | $720 | $530 | $1,030 | $500 |
| Dunkard, PA | $65,900 | $501 | $360 | $700 | $340 |