Gavop's guide to buying homeowners insurance in Berks 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 | $58,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $149,500 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $229,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $319,000 | $270,000 | $250,000-$300,000 |
| 5 Bedroom | $199,500 | $170,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$137 | $586 |
| Superior Protection Discount | -$72 | $651 |
| Fire & Security Discount | -$65 | $658 |
| Hail Resistant Roof Discount | -$22 | $702 |
| Newly Constructed Home Discount | -$166 | $557 |
| 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 |
| Berks County | $2,500 | $715 | $3,215 | $520 | $3,020 | $195 |
| Berks County, PA | $2,500 | $715 | $3,215 | $520 | $3,020 | $195 |
| Frystown, PA | $100 | $639 | $739 | $465 | $565 | $175 |
| Upper Uwchlan, PA | $1,000 | $1,026 | $2,026 | $745 | $1,745 | $280 |
| Palmerton, PA | $200 | $618 | $818 | $449 | $649 | $169 |
| Bedminster, PA | $2,000 | $929 | $2,929 | $675 | $2,675 | $254 |
| Eastlawn Gardens, PA | $100 | $888 | $988 | $645 | $745 | $243 |
| Chestnuthill, PA | $700 | $685 | $1,385 | $497 | $1,197 | $187 |
| Piedmont, DE | $300 | $907 | $1,207 | $659 | $959 | $248 |
| Ackermanville, PA | $2,000 | $794 | $2,794 | $577 | $2,577 | $217 |
| Dennison, PA | $100 | $780 | $880 | $567 | $667 | $213 |
| Lime Ridge, PA | $1,500 | $607 | $2,107 | $441 | $1,941 | $166 |
| Home Insurance Company Berks County, PA | Homeowners Insurance Agency Berks County, PA | Address | Popularity Score | Distance from Berks County (miles) |
|---|---|---|---|---|
| Travelers | Ask Insurance | 7 E Roosevelt Ave, Elysburg, PA, 17824 | 45.2 | |
| Allstate | Peter Hughes | 2546 W Chester Pike, Broomall, PA, 19008 | 42.4 | |
| State Farm | Steven Breinlinger | 7904 Germantown Ave Ste Ss, Philadelphia, PA, 19118-3545 | 45.2 | |
| State Farm | John Conner | 1153 Penn Ave, Wyomissing, PA, 19610-2033 | 5.9 | |
| State Farm | Henry Nace | 1154 W Chester Pike Ste C, West Chester, PA, 19382-5012 | 36.1 | |
| Travelers | Peterson Insurance Services Inc | 140 West Eagle Road, Havertown, PA, 19083 | 43.9 | |
| Nationwide | Joseph M Wade | 917 N Broad St, Lansdale, PA, 19446-2350 | 36.2 | |
| Allstate | Joseph Bracken | 1918 Darby Rd, Havertown, PA, 19083 | 44.2 | |
| Allstate | Jim Ottomano | 874 E Welsh Rd Ste 2, Maple Glen, PA, 19002 | 43.0 | |
| Farmers | Leandro Porciuncula | 21 S Main St, Phoenixville, PA, 19460 | 29.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $530 | $1,060 | $530 |
| Berks County, PA | $170,900 | $724 | $480 | $1,030 | $550 |
| Berks County, PA | $170,900 | $724 | $500 | $1,020 | $520 |
| Frystown, PA | $122,100 | $647 | $430 | $920 | $490 |
| Upper Uwchlan, PA | $426,100 | $1,038 | $700 | $1,420 | $720 |
| Palmerton, PA | $113,100 | $626 | $420 | $890 | $470 |
| Bedminster, PA | $397,000 | $940 | $680 | $1,330 | $650 |
| Eastlawn Gardens, PA | $253,400 | $899 | $640 | $1,250 | $610 |
| Chestnuthill, PA | $170,700 | $693 | $470 | $990 | $520 |
| Piedmont, DE | $453,700 | $918 | $730 | $1,220 | $490 |
| Ackermanville, PA | $202,600 | $804 | $550 | $1,120 | $570 |
| Dennison, PA | $194,200 | $789 | $560 | $1,080 | $520 |
| Lime Ridge, PA | $108,100 | $614 | $440 | $870 | $430 |