Gavop's guide to buying homeowners insurance in Columbia, 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 | $35,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $79,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $155,500 | $130,000 | $150,000-$175,000 |
| 4 Bedroom | $217,000 | $200,000 | $175,000-$200,000 |
| 5 Bedroom | $340,000 | $320,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $583 |
| Superior Protection Discount | -$65 | $655 |
| Fire & Security Discount | -$50 | $669 |
| Hail Resistant Roof Discount | -$14 | $705 |
| Newly Constructed Home Discount | -$173 | $547 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,440 |
| Hail Damage | $4,806 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $17,389 |
| Home Insurance Company Columbia, PA | Homeowners Insurance Agency Columbia, PA | Address | Popularity Score | Distance from Columbia (miles) |
|---|---|---|---|---|
| Travelers | Horst Insurance | 320 Granite Run Dr, Lancaster, PA, 17601 | 9.4 | |
| State Farm | Marc Bellettiere | 3821 Main St, Morgantown, PA, 19543-7704 | 34.0 | |
| Liberty Mutual Independent | Dale Mcguire Agency | 1231 N Market St, Duncannon, PA, 17020 | 37.5 | |
| Travelers | Horst Insurance | 320 Granite Run Drive , Lancaster, PA, 17601 | 9.3 | |
| Allstate | Eckert & Lafferty Insurance Assoc | 1620 Baltimore Park, Chadds Ford, PA, 19317 | 49.4 | |
| State Farm | Jim Elsner | 270 S Progress Ave, Harrisburg, PA, 17109-4626 | 24.9 | |
| Nationwide | Donald B Harner | 4807 Jonestown Road Ste 149, Harrisburg, PA, 17109-1744 | 24.9 | |
| State Farm | Henry Nace | 1154 W Chester Pike Ste C, West Chester, PA, 19382-5012 | 49.6 | |
| State Farm | Chris Milsom | 2 College Ave, Mountville, PA, 17554-1546 | 3.6 | |
| State Farm | Greg Sallade | 919 E Main St Ste 1, Mount Joy, PA, 17552-9546 | 5.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $530 | $1,030 | $500 |
| Lancaster County, PA | $193,200 | $763 | $560 | $1,080 | $520 |
| Columbia, PA | $101,100 | $720 | $500 | $990 | $490 |
| Salunga, PA | $216,500 | $829 | $600 | $1,170 | $570 |
| Felton, PA | $156,100 | $718 | $520 | $1,000 | $480 |
| Reinholds, PA | $170,100 | $744 | $530 | $1,060 | $530 |
| Jackson, PA | $179,000 | $639 | $440 | $900 | $460 |
| Upper Oxford, PA | $280,500 | $956 | $700 | $1,350 | $650 |
| Rising Sun, MD | $217,300 | $842 | $670 | $1,060 | $390 |
| East Nantmeal, PA | $444,500 | $1,561 | $1,110 | $2,220 | $1,110 |
| Reisterstown, MD | $230,100 | $727 | $570 | $920 | $350 |
| Branchdale, PA | $72,200 | $519 | $360 | $720 | $360 |
| East Vincent, PA | $330,200 | $909 | $650 | $1,250 | $600 |