Gavop's guide to buying homeowners insurance in Lower Paxton, 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 | $62,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $93,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $142,000 | $130,000 | $100,000-$125,000 |
| 4 Bedroom | $235,500 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $266,000 | $230,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$105 | $550 |
| Superior Protection Discount | -$59 | $595 |
| Fire & Security Discount | -$59 | $595 |
| Hail Resistant Roof Discount | -$20 | $635 |
| Newly Constructed Home Discount | -$137 | $517 |
| 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 |
| Dauphin County | $2,000 | $701 | $2,701 | $509 | $2,509 | $191 |
| Lower Paxton, PA | $2,000 | $647 | $2,647 | $470 | $2,470 | $177 |
| Falmouth, PA | $100 | $777 | $877 | $564 | $664 | $212 |
| Latimore, PA | $2,000 | $820 | $2,820 | $596 | $2,596 | $224 |
| Tuscarora, PA | $200 | $732 | $932 | $532 | $732 | $200 |
| West Lampeter, PA | $1,000 | $698 | $1,698 | $507 | $1,507 | $191 |
| Branch, PA | $100 | $638 | $738 | $464 | $564 | $174 |
| McKnightstown, PA | $700 | $1,018 | $1,718 | $740 | $1,440 | $278 |
| Cumru, PA | $400 | $691 | $1,091 | $502 | $902 | $189 |
| Roaring Creek, PA | $1,000 | $809 | $1,809 | $588 | $1,588 | $221 |
| Bratton, PA | $100 | $618 | $718 | $449 | $549 | $169 |
| Christiana, PA | $700 | $732 | $1,432 | $532 | $1,232 | $200 |
| Home Insurance Company Lower Paxton, PA | Homeowners Insurance Agency Lower Paxton, PA | Address | Popularity Score | Distance from Lower Paxton (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Goods Insurance Agency Inc | 352 E Main St Ste 200, Leola, PA, 17540 | 37.7 | |
| Nationwide | Mcmillan Insurance Agency Llc | 4800 Linglestown Rd Ste 303, Harrisburg, PA, 17112 | 1.6 | |
| State Farm | Stacy Butler | 2810 N Susquehanna Trl, Shamokin Dam, PA, 17876-9109 | 36.3 | |
| Liberty Mutual Independent | Knoll Insurance Agency Inc | 704 Bridge St, New Cumberland, PA, 17070 | 7.2 | |
| Travelers | Alan Hostetler Insurance Agents-Brokers | 300 S Progress Ave, Harrisburg, PA, 17109 | 3.3 | |
| Erie | Freeman-Gingrich Insurance Agency | 409 Suedberg Rd , Pine Grove, PA, 17963 | 24.7 | |
| State Farm | Tyrone Isaac | 10 N Front St Ste 2, Wormleysburg, PA, 17043-1441 | 6.9 | |
| Travelers | American Insuring Group Ltd | 37 W Lancaster Ave, Shillington, PA, 19607 | 43.8 | |
| Nationwide | James O Mcintyre Agency | 3401 Main Street, Morgantown, PA, 19543 | 49.5 | |
| State Farm | Steve Hodges | 4519 Jonestown Rd, Harrisburg, PA, 17109-6213 | 1.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $540 | $1,020 | $480 |
| Dauphin County, PA | $163,300 | $709 | $500 | $1,000 | $500 |
| Lower Paxton, PA | $189,000 | $654 | $450 | $900 | $450 |
| Falmouth, PA | $192,500 | $786 | $530 | $1,120 | $590 |
| Latimore, PA | $216,700 | $830 | $570 | $1,150 | $580 |
| Tuscarora, PA | $168,100 | $741 | $530 | $1,050 | $520 |
| West Lampeter, PA | $223,200 | $706 | $500 | $980 | $480 |
| Branch, PA | $121,900 | $646 | $470 | $920 | $450 |
| McKnightstown, PA | $311,400 | $1,030 | $690 | $1,460 | $770 |
| Cumru, PA | $174,000 | $699 | $470 | $970 | $500 |
| Roaring Creek, PA | $210,900 | $819 | $580 | $1,150 | $570 |
| Bratton, PA | $112,600 | $625 | $430 | $880 | $450 |
| Christiana, PA | $168,500 | $741 | $500 | $1,030 | $530 |