Gavop's guide to buying homeowners insurance in Southampton, 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.
| Southampton, PA - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Herwen Dr, T300, Heritage Ave, Rice Rd, Eberly Dr, Olde Scotland Rd, Municipal Dr, Jamestown Rd, Cotton Ave, Hostetter Ave | $151,500 | $140,000 | $150,000-$175,000 | $84,500 | $70,000 | $75,000-$100,000 |
| Oak Ln, Mary Ave, N Morris St, Mount Rock Rd, Maclays Mill Rd, Lurgan Ave, Old Mill Rd, Franklin Heights Ave, Rowe Run Loop, Holswart Dr | $198,000 | $180,000 | $175,000-$200,000 | $191,000 | $170,000 | $175,000-$200,000 |
| State Rte 533, Quentin Cir, Shale Rd, Westover Rd, Rowe Run Rd, Cumberland Ave, Baldwin Blvd, Mc Creary Rd, Stillhouse Hollow Rd, Wilson Ave | $169,000 | $150,000 | $125,000-$150,000 | $94,500 | $80,000 | $75,000-$100,000 |
| Howard Ave, Crabapple Ln, Marco Cir, Prospect Dr, Edison Dr, Ely Dr, Ferry Ln, Country Ln, Morgan Dr, Stony Point Ave | $155,000 | $130,000 | $150,000-$175,000 | $133,000 | $110,000 | $125,000-$150,000 |
| Reading Rd, Pattison Dr, Elmont Cir, Mt Ash Ln, Eric Dr, Red Maple Dr, Pugh Dr, Ashton Dr, Campbell Cir, W Orange St | $222,000 | $210,000 | $200,000-$250,000 | $164,500 | $150,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$97 | $594 |
| Superior Protection Discount | -$69 | $622 |
| Fire & Security Discount | -$55 | $636 |
| Hail Resistant Roof Discount | -$14 | $677 |
| Newly Constructed Home Discount | -$138 | $553 |
| 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 |
| Franklin County | $1,500 | $724 | $2,224 | $526 | $2,026 | $198 |
| Southampton, PA | $2,000 | $683 | $2,683 | $496 | $2,496 | $187 |
| Cashtown, PA | $200 | $761 | $961 | $553 | $753 | $208 |
| Cumberland County, PA | $1,500 | $755 | $2,255 | $549 | $2,049 | $206 |
| Heidlersburg, PA | $500 | $514 | $1,014 | $373 | $873 | $140 |
| Big Spring, MD | $2,500 | $680 | $3,180 | $494 | $2,994 | $186 |
| Fairplay, MD | $500 | $919 | $1,419 | $668 | $1,168 | $251 |
| Miller, PA | $2,500 | $734 | $3,234 | $533 | $3,033 | $201 |
| Sharpsburg, MD | $100 | $766 | $866 | $556 | $656 | $209 |
| Thompsontown, PA | $2,500 | $622 | $3,122 | $452 | $2,952 | $170 |
| Oneida, PA | $300 | $714 | $1,014 | $519 | $819 | $195 |
| Martinsburg, WV | $2,500 | $688 | $3,188 | $500 | $3,000 | $188 |
| Home Insurance Company Southampton, PA | Homeowners Insurance Agency Southampton, PA | Address | Popularity Score | Distance from Southampton (miles) |
|---|---|---|---|---|
| State Farm | Garrett Hawkins | 5125 Lincoln Way E, Fayetteville, PA, 17222-1043 | 8.0 | |
| Erie | Wagners Insurance Agency | 107 W Main Street, Hummelstown, PA, 17036 | 47.3 | |
| State Farm | Patrick Bury | 2206 S Queen St, York, PA, 17402-4629 | 46.1 | |
| Allstate | Bell Insurance | 1116 Kennebec Dr, Chambersburg, PA, 17201 | 8.3 | |
| Travelers | Jeffers Insurance Agency | 1010 Windsor Rd, Red Lion, PA, 17356 | 49.5 | |
| State Farm | Damon Garon | 2139 Industrial Hwy, York, PA, 17402-2214 | 45.7 | |
| State Farm | Josh Grove | 4315 W Market St, York, PA, 17408-5937 | 39.3 | |
| State Farm | Todd West | 119 Lurgan Ave Ste A, Shippensburg, PA, 17257-1662 | 1.7 | |
| State Farm | Devon Ellis | 300 Frederick St Ste 5, Hanover, PA, 17331-3709 | 33.5 | |
| Erie | Douglas E Garrity | 1786 Newville Road, Carlisle, PA, 17015 | 19.3 |
| 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 |
| Franklin County, PA | $175,800 | $732 | $500 | $1,030 | $530 |
| Southampton, PA | $169,500 | $691 | $480 | $990 | $510 |
| Cashtown, PA | $184,000 | $770 | $520 | $1,090 | $570 |
| Cumberland County, PA | $194,100 | $764 | $540 | $1,090 | $550 |
| Heidlersburg, PA | $72,300 | $520 | $360 | $720 | $360 |
| Big Spring, MD | $129,900 | $688 | $540 | $870 | $330 |
| Fairplay, MD | $261,700 | $930 | $730 | $1,170 | $440 |
| Miller, PA | $169,600 | $743 | $530 | $1,020 | $490 |
| Sharpsburg, MD | $179,900 | $775 | $610 | $980 | $370 |
| Thompsontown, PA | $114,900 | $630 | $430 | $890 | $460 |
| Oneida, PA | $159,100 | $723 | $490 | $1,000 | $510 |
| Martinsburg, WV | $149,800 | $696 | $510 | $950 | $440 |