Gavop's guide to buying homeowners insurance in Elk County, 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 | $32,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $80,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $87,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $123,500 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $195,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$125 | $706 |
| Superior Protection Discount | -$75 | $756 |
| Fire & Security Discount | -$91 | $740 |
| Hail Resistant Roof Discount | -$17 | $814 |
| Newly Constructed Home Discount | -$216 | $615 |
| 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 |
| Elk County | $700 | $821 | $1,521 | $597 | $1,297 | $224 |
| Elk County, PA | $2,000 | $821 | $2,821 | $597 | $2,597 | $224 |
| Winslow, PA | $500 | $608 | $1,108 | $442 | $942 | $166 |
| Lewis Run, PA | $1,500 | $553 | $2,053 | $402 | $1,902 | $151 |
| Kingsley, PA | $400 | $550 | $950 | $400 | $800 | $150 |
| Tidioute, PA | $2,500 | $539 | $3,039 | $392 | $2,892 | $147 |
| Marianne, PA | $400 | $658 | $1,058 | $478 | $878 | $180 |
| Glen Hope, PA | $700 | $552 | $1,252 | $401 | $1,101 | $151 |
| Burnside, PA | $200 | $538 | $738 | $391 | $591 | $147 |
| Triumph, PA | $700 | $539 | $1,239 | $392 | $1,092 | $147 |
| Ramey, PA | $100 | $548 | $648 | $398 | $498 | $150 |
| Carroll, NY | $2,500 | $584 | $3,084 | $424 | $2,924 | $160 |
| Home Insurance Company Elk County, PA | Homeowners Insurance Agency Elk County, PA | Address | Popularity Score | Distance from Elk County (miles) |
|---|---|---|---|---|
| Erie | Hoak Insurance Services | 213 Main Street, Brookville, PA, 15825 | 28.8 | |
| Allstate | Burns & Burns | 800 Center-Main St, Clarion, PA, 16214 | 40.6 | |
| Erie | Hutton-Blews Insurance Llc | 100 W Main Street, Marion Center, PA, 15759 | 50.0 | |
| Liberty Mutual Independent | Burns & Burns Associates Inc | 800 Center-Main St, Clarion, PA, 16214 | 40.7 | |
| State Farm | Jean Rusciolelli | 217 Main St Ste A, Ridgway, PA, 15853-1067 | 4.0 | |
| Erie | W E Swanson Agency Inc | 23 Fraley Street, Kane, PA, 16735 | 17.6 | |
| State Farm | Matt Higgins | 11271 Route 322, Shippenville, PA, 16254-4933 | 41.6 | |
| Allstate | Mary Wallace | 474 Jeffers St, Du Bois, PA, 15801 | 21.7 | |
| Allstate | Chubon Ins Agency | 169 Fraley St, Kane, PA, 16735 | 17.5 | |
| Erie | Wm R Karschner & Sons | 108 N Main Street, Coudersport, PA, 16915 | 40.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $540 | $1,030 | $490 |
| Elk County, PA | $97,100 | $831 | $570 | $1,180 | $610 |
| Elk County, PA | $97,100 | $831 | $560 | $1,190 | $630 |
| Winslow, PA | $108,400 | $615 | $440 | $870 | $430 |
| Lewis Run, PA | $86,800 | $560 | $380 | $780 | $400 |
| Kingsley, PA | $85,600 | $557 | $400 | $790 | $390 |
| Tidioute, PA | $81,600 | $546 | $370 | $750 | $380 |
| Marianne, PA | $130,900 | $666 | $480 | $940 | $460 |
| Glen Hope, PA | $86,400 | $559 | $370 | $790 | $420 |
| Burnside, PA | $81,200 | $545 | $400 | $780 | $380 |
| Triumph, PA | $81,500 | $546 | $380 | $770 | $390 |
| Ramey, PA | $85,000 | $555 | $400 | $790 | $390 |
| Carroll, NY | $85,300 | $591 | $410 | $850 | $440 |