Gavop's guide to buying homeowners insurance in St. Thomas, 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 | $58,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $147,000 | $120,000 | $150,000-$175,000 |
| 3 Bedroom | $232,500 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $276,000 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $451,500 | $430,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$100 | $569 |
| Superior Protection Discount | -$60 | $609 |
| Fire & Security Discount | -$47 | $623 |
| Hail Resistant Roof Discount | -$20 | $650 |
| Newly Constructed Home Discount | -$154 | $516 |
| 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 |
| St. Thomas, PA | $2,000 | $662 | $2,662 | $481 | $2,481 | $181 |
| Hagerstown, MD | $100 | $690 | $790 | $501 | $601 | $189 |
| Beaver Creek, MD | $400 | $1,404 | $1,804 | $1,020 | $1,420 | $384 |
| Upper Frankford, PA | $700 | $733 | $1,433 | $533 | $1,233 | $200 |
| Great Cacapon, WV | $300 | $622 | $922 | $452 | $752 | $170 |
| Longfellow, PA | $2,000 | $627 | $2,627 | $456 | $2,456 | $171 |
| West St. Clair, PA | $200 | $647 | $847 | $470 | $670 | $177 |
| Urbana, MD | $2,000 | $980 | $2,980 | $712 | $2,712 | $268 |
| Tuscarora, PA | $100 | $732 | $832 | $532 | $632 | $200 |
| Mifflintown, PA | $700 | $550 | $1,250 | $400 | $1,100 | $150 |
| Home Insurance Company St. Thomas, PA | Homeowners Insurance Agency St. Thomas, PA | Address | Popularity Score | Distance from St. Thomas (miles) |
|---|---|---|---|---|
| State Farm | Abel Castro | 873 Lincoln Way W, Chambersburg, PA, 17202-1907 | 6.6 | |
| Travelers | Reed Wertz & Roadman Inc | 702 West Pitt St, Bedford, PA, 15522 | 38.4 | |
| Allstate | Kelly Mckee | 600 Carlisle St Ste C, Hanover, PA, 17331 | 44.1 | |
| State Farm | Sue Beckner | 15 Ram Dr, Hanover, PA, 17331-8814 | 43.2 | |
| Allstate | Bell Insurance | 1116 Kennebec Dr, Chambersburg, PA, 17201 | 8.8 | |
| Allstate | Bill Myer | 1557 Baltimore Pike, Hanover, PA, 17331 | 46.2 | |
| Erie | Ellis P Martin Insurance Agency Inc. | 931 Swamp Fox Road, Chambersburg, PA, 17202 | 9.0 | |
| State Farm | Gary Swanson | 76 E Main St, Waynesboro, PA, 17268-1634 | 17.0 | |
| Liberty Mutual Independent | Carlisle Insurance Services | 1 Valley St Ste 101, Carlisle, PA, 17013 | 38.9 | |
| State Farm | Mike Shope | 812 W High St, Carlisle, PA, 17013-2706 | 37.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $530 | $1,020 | $490 |
| Franklin County, PA | $175,800 | $732 | $530 | $1,000 | $470 |
| St. Thomas, PA | $157,500 | $670 | $480 | $960 | $480 |
| Hagerstown, MD | $148,300 | $698 | $550 | $880 | $330 |
| Beaver Creek, MD | $422,200 | $1,421 | $1,120 | $1,790 | $670 |
| Upper Frankford, PA | $168,900 | $742 | $510 | $1,030 | $520 |
| Great Cacapon, WV | $84,800 | $630 | $430 | $860 | $430 |
| Longfellow, PA | $117,100 | $635 | $450 | $880 | $430 |
| West St. Clair, PA | $125,600 | $655 | $450 | $920 | $470 |
| Urbana, MD | $456,900 | $992 | $780 | $1,250 | $470 |
| Tuscarora, PA | $168,100 | $741 | $510 | $1,050 | $540 |
| Mifflintown, PA | $85,500 | $557 | $400 | $800 | $400 |