Get multiple home insurance quotes in 15692. Our licensed 15692, PA agents are ready to serve you.

Start Searching Home Insurance Quotes in 15692

Are you paying too much for homeowners insurance in 15692? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Westmoreland City, PA that provides all of the protection you need at a price that is affordable.

Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our Pennsylvania licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.

Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 15692?

  • Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
  • Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
  • Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.

Our service is always free so get started today. Free 15692 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 15692 and get ready to save.

3 Easy Ways To Save Money In 15692

These three links will help you explore home insurance quotes in 15692 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.

Get Your 15692 Home Insurance Costs Rated: very low!

The average price for a homeowners insurance policy in Westmoreland City is roughly $740. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.

If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.

Get 15692 Homeowners Insurance Rates Right Now!

15692 Home Insurance Average Premiums

Local 15692 homeowners insurance quotes comparison

$490 /yr.

Shows Zip Code: 15692 lowest rates with discounts applied on average.

For the 15692, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$490 /yr.
Average Coverage:$740 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1040 /yr.

What is the average home insurance cost for a home in 15692?

  • • The average homeowners insurance premium paid annually for a home in 15692 is around $740 per year.

What does it cost on average per month for home insurance in 15692?

  • • Homeowners in 15692 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 15692?

  • • Autoowners in 15692 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Westmoreland City area, check out other zip codes nearby 15692.
Review average rates in another zip code:
15692 homeowners insurance rates

Home Replacement Cost Coverage in 15692

Average Building Cost Per Square Foot in 15692: $136

Location: Westmoreland City, Pennsylvania (Westmoreland County)

Average Square Footage in 15692: 986 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 15692 before you start any project. Westmoreland City homeowners pay on average around $136 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 15692 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 15692 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 986 sq. ft. and the average cost to rebuild the home in this area is around $136 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Westmoreland City area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$136986$134,100
Additional Upgrades & Added Features$170986$167,625
Major Home Updates or Advancements$204986$201,150

It's important to understand that when you estimate your replacement cost of your home in the 15692 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 15692

Best Home & Auto Insurance Agencies in 15692

Housing Demographics for 15692

Population Review for 15692 Zip Code

For the city of Westmoreland City, the population within 15692 has increased to over 937 residents in population size. The current population total is 944. We have broken down the population based on race below. In 15692, there are over 488 in male population and 456 females.

PopulationValues
Total Population944
White Population873
Black Population7
Hispanic Population23
Asian Population7
Hawaiian Population0
Indian Population1
Other Population11
Male Population488
Female Population456
Population Estimate937

Household Data for 15692

The average number of homes in 15692 is around 396, there are an average of 2.38 per household. The average house value according to local real estate values is around $134,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode396
Persons Per Household2.38
Average House Value$134,100
Income Per Household$42590
Median Age45.3
Median Age Male43.3
Median Age Female47.1
15692 DetailsValues
StatePA
State Full NamePennsylvania
City TypeP
City Alias AbbreviationWESTMRLND CTY
Area Code724
CityWestmoreland City
City Alias NameWESTMORELAND CITY
CountyWestmoreland
County FIPS129
State FIPS42
Time Zone5
Day Light SavingY
MSA6280
PMSA
CSA430
CBSA38300
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePittsburgh, PA
MSA_NamePittsburgh, PA MSA
PMSA_Name
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses13
Number Of Employees60
Business First Quarter Payroll419
Business Annual Payroll2343
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population2356285
CBSA Division Population0
Congressional District12
Congressional LandArea2163.03
Delivery Residential394
Delivery Business4
Delivery Total446
Preferred Last Line KeyX1B969
Classification Code
Multi-County
CSA NamePittsburgh-Weirton-Steubenville, PA-OH-WV
CBSA_DIV_Name
City State KeyX1B969
Land Area0.317000
Water Area0.000000
City Alias Code
City Mixed CaseWestmoreland City
City Alias Mixed CaseWestmoreland City
Box Count32
SFDU394
MFDU0
State ANSI42
County ANSI129
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number419124
Unique ZIP Name
SSA State County Code39770
Medicare CBSA Code38300
Medicare CBSA NamePittsburgh, PA
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseWestmoreland

Pennsylvania Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]