Gavop shows you how to buy homeowners insurance in Luzerne, PA by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $37,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $73,000 | $60,000 | $75,000-$100,000 |
| 3 Bedroom | $86,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $155,500 | $140,000 | $150,000-$175,000 |
| 5 Bedroom | $249,000 | $210,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$107 | $606 |
| Superior Protection Discount | -$64 | $649 |
| Fire & Security Discount | -$64 | $649 |
| Hail Resistant Roof Discount | -$14 | $699 |
| Newly Constructed Home Discount | -$157 | $556 |
| 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 |
| Fayette County | $1,000 | $814 | $1,814 | $592 | $1,592 | $222 |
| Luzerne, PA | $700 | $705 | $1,405 | $512 | $1,212 | $193 |
| Bobtown, PA | $300 | $443 | $743 | $322 | $622 | $121 |
| Dawson, PA | $1,500 | $476 | $1,976 | $346 | $1,846 | $130 |
| Springhill, PA | $400 | $528 | $928 | $383 | $783 | $144 |
| Greene County, PA | $1,500 | $814 | $2,314 | $592 | $2,092 | $222 |
| Blacksville, WV | $300 | $511 | $811 | $371 | $671 | $140 |
| Braddock, PA | $1,000 | $362 | $1,362 | $263 | $1,263 | $99 |
| Ingram, PA | $100 | $595 | $695 | $432 | $532 | $163 |
| Youngstown, PA | $1,500 | $606 | $2,106 | $440 | $1,940 | $166 |
| Brooke County, WV | $500 | $599 | $1,099 | $435 | $935 | $164 |
| Franklin Park, PA | $1,500 | $879 | $2,379 | $639 | $2,139 | $240 |
| Home Insurance Company Luzerne, PA | Homeowners Insurance Agency Luzerne, PA | Address | Popularity Score | Distance from Luzerne (miles) |
|---|---|---|---|---|
| Allstate | George Durst Insurance | 909 Mcclellandtown Rd, Mc Clellandtown, PA, 15458 | 8.4 | |
| Travelers | Kasky Insurance & Financial Services Inc | 493 Thornycr0ft Ave, Pittsburgh, PA, 15228 | 27.9 | |
| State Farm | Grace Robinson | 5108 Baum Blvd, Pittsburgh, PA, 15224-2302 | 33.2 | |
| State Farm | Adriana Pasquini | 735 Copeland St, Pittsburgh, PA, 15232-4228 | 32.9 | |
| Travelers | Driscoll Insurance And Financial Services Inc | 2738 South Park Rd, Bethel Park, PA, 15102 | 25.0 | |
| Liberty Mutual Independent | Trinity Risk Services Llc | 100 Mcknight Park Dr Ste 101, Pittsburgh, PA, 15237 | 39.0 | |
| State Farm | Kevin Slogick | 4284 Wm Flynn Hwy Ste 303, Allison Park, PA, 15101-1440 | 41.6 | |
| Travelers | Gallina And Sons | 1269 Washington Pike Collier Twp Office, Bridgeville, PA, 15017 | 29.0 | |
| Allstate | Aaron Buhl | 100 Allegheny Dr Ste 203, Warrendale, PA, 15086 | 48.5 | |
| Travelers | Yingling Insurance Agency | 211 S Vine St Ste 102, Carmichaels, PA, 15320 | 5.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Pennsylvania | $170,500 | $745 | $510 | $1,060 | $550 |
| Fayette County, PA | $94,600 | $824 | $570 | $1,130 | $560 |
| Luzerne, PA | $97,600 | $713 | $490 | $980 | $490 |
| Bobtown, PA | $49,400 | $448 | $330 | $620 | $290 |
| Dawson, PA | $59,800 | $482 | $330 | $660 | $330 |
| Springhill, PA | $77,300 | $534 | $360 | $740 | $380 |
| Greene County, PA | $108,600 | $824 | $570 | $1,150 | $580 |
| Blacksville, WV | $57,000 | $517 | $370 | $730 | $360 |
| Braddock, PA | $26,700 | $366 | $250 | $520 | $270 |
| Ingram, PA | $102,900 | $602 | $440 | $840 | $400 |
| Youngstown, PA | $107,700 | $613 | $440 | $880 | $440 |
| Brooke County, WV | $91,000 | $606 | $410 | $850 | $440 |
| Franklin Park, PA | $322,100 | $890 | $630 | $1,270 | $640 |