Gavop's guide to buying homeowners insurance in Fulton 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 | $63,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $127,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $180,000 | $160,000 | $175,000-$200,000 |
| 4 Bedroom | $301,500 | $270,000 | $300,000-$350,000 |
| 5 Bedroom | $205,000 | $170,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$113 | $553 |
| Superior Protection Discount | -$60 | $607 |
| Fire & Security Discount | -$47 | $620 |
| Hail Resistant Roof Discount | -$20 | $647 |
| Newly Constructed Home Discount | -$173 | $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 |
| Fulton County | $1,500 | $659 | $2,159 | $479 | $1,979 | $180 |
| Fulton County, PA | $1,500 | $659 | $2,159 | $479 | $1,979 | $180 |
| Thompson, PA | $300 | $738 | $1,038 | $536 | $836 | $202 |
| Mercersburg, PA | $1,000 | $744 | $1,744 | $541 | $1,541 | $203 |
| Claysburg, PA | $100 | $607 | $707 | $441 | $541 | $166 |
| Upper Frankford, PA | $1,000 | $733 | $1,733 | $533 | $1,533 | $200 |
| Table Rock, PA | $200 | $679 | $879 | $493 | $693 | $185 |
| Longfellow, PA | $700 | $627 | $1,327 | $456 | $1,156 | $171 |
| Midlothian, MD | $100 | $689 | $789 | $500 | $600 | $188 |
| Russell, VA | $2,500 | $1,130 | $3,630 | $821 | $3,321 | $309 |
| Home Insurance Company Fulton County, PA | Homeowners Insurance Agency Fulton County, PA | Address | Popularity Score | Distance from Fulton County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Hockley & Odonnell | 132 Buford Ave., Gettysburg, PA, 17325 | 47.2 | |
| State Farm | Abel Castro | 873 Lincoln Way W, Chambersburg, PA, 17202-1907 | 23.5 | |
| Allstate | James (Jimmy) Kiepert | 1609 Jefferson Ave, Windber, PA, 15963 | 43.6 | |
| Erie | Lake Insurance Inc. | 220 S 7th St , Mcconnellsburg, PA, 17233 | 7.1 | |
| Nationwide | Tammy V Watt | 710 Scalp Ave, Johnstown, PA, 15904 | 47.4 | |
| State Farm | Mike Ball | 1009 Baltimore Pike, Gettysburg, PA, 17325-7085 | 48.1 | |
| Liberty Mutual Independent | Kesslak Agency Inc | 1405 Eisenhower Blvd Ste 103, Johnstown, PA, 15904 | 45.8 | |
| State Farm | Brian Kolander | 1117 Logan Blvd, Altoona, PA, 16602-4029 | 41.6 | |
| Travelers | Bell Insurance | 1116 Kennebec Dr, Chambersburg, PA, 17201 | 25.7 | |
| Travelers | Advanced Financial Security Inc | 11001 Anthony Hwy, Waynesboro, PA, 17268 | 31.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $540 | $1,060 | $520 |
| Fulton County, PA | $156,000 | $667 | $470 | $950 | $480 |
| Fulton County, PA | $156,000 | $667 | $450 | $930 | $480 |
| Thompson, PA | $171,800 | $747 | $550 | $1,030 | $480 |
| Mercersburg, PA | $174,600 | $753 | $530 | $1,070 | $540 |
| Claysburg, PA | $108,100 | $614 | $440 | $840 | $400 |
| Upper Frankford, PA | $168,900 | $742 | $530 | $1,030 | $500 |
| Table Rock, PA | $141,100 | $687 | $490 | $950 | $460 |
| Longfellow, PA | $117,100 | $635 | $460 | $910 | $450 |
| Midlothian, MD | $135,200 | $697 | $550 | $880 | $330 |
| Russell, VA | $381,700 | $1,144 | $820 | $1,590 | $770 |