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Homeowners Insurance in 15954
For homeowners living in 15954, you want more affordable home insurance rates in Seward, right? Our rates are very competitive for homeowners living in the great city of Seward, PA. Many homeowners living in the 15954 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the top home insurance companies that we will shop for you all in one place. Plus, our homeowners insurance quotes are free and our Pennsylvania licensed agents can provide a free consultation service to you that allows you to ask questions about which policy and coverage option is best for you and your family. Get the home insurance protection you need and start a free home insurance quote today, simply click the "Get Multiple Quotes Now" button. Your 15954 should appear in the zip code field ready to go. Comparing Seward, PA Home Insurance Quotes in your area, we can review the best rates and coverage options with multiple carriers to choose from.
15954 Home Insurance Costs Are Considered: Very Low!
The overall cost of homeowners insurance on average for a standard HO-3 home insurance policy for homeowners living in Seward pay around $719 per year. For affordable homeowners insurance, we have the best prices when it comes to comparing Pennsylvania home insurance rates. At GetHomeInsuranceQuotes.com, we compare the most competitive companies then we let you review the most affordable rates and coverage options. Homeowners living in the 15954 zip code usually have questions about which coverage option is best. Our process is spam and hassle free so you can get your questions answer quickly and review the best home insurance policy for you. Most of all, Seward homeowners enjoy saving up to 40% or even more when we apply all the discounts available. Let us help you shop and save on your Pennsylvania home insurance premium today!
15954 Home Insurance Average Premiums
$469 /yr.
Shows Zip Code: 15954 lowest rates with discounts applied on average.
For the 15954, 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) | $469 /yr. |
| Average Coverage: | $719 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1019 /yr. |
What is the average home insurance cost for a home in 15954?
- • The average homeowners insurance premium paid annually for a home in 15954 is around $719 per year.
What does it cost on average per month for home insurance in 15954?
- • Homeowners in 15954 pay a monthly average cost per month around $60.00.
What kind of discount could I get if I combine my home and auto insurance together in 15954?
- • Autoowners in 15954 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 Seward area, check out other zip codes nearby 15954.
Review average rates in another zip code:
15954 homeowners insurance rates
Home Replacement Cost Coverage in 15954
Average Building Cost Per Square Foot in 15954: $136
Location: Seward, Pennsylvania (Westmoreland County)Average Square Footage in 15954: 599 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 15954 before you start any project. Seward 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 15954 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 15954 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 599 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 Seward 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $136 | 599 | $81,500 |
| Additional Upgrades & Added Features | $170 | 599 | $101,875 |
| Major Home Updates or Advancements | $204 | 599 | $122,250 |
It's important to understand that when you estimate your replacement cost of your home in the 15954 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 15954
Best Home & Auto Insurance Agencies in 15954
Housing Demographics for 15954
Population Review for 15954 Zip Code
For the city of Seward, the population within 15954 has increased to over 1,887 residents in population size. The current population total is 2,153. We have broken down the population based on race below. In 15954, there are over 1074 in male population and 1079 females.
| Population | Values |
|---|---|
| Total Population | 2,153 |
| White Population | 2073 |
| Black Population | 15 |
| Hispanic Population | 7 |
| Asian Population | 4 |
| Hawaiian Population | 0 |
| Indian Population | 0 |
| Other Population | 1 |
| Male Population | 1074 |
| Female Population | 1079 |
| Population Estimate | 1887 |
Household Data for 15954
The average number of homes in 15954 is around 1,002, there are an average of 2.15 per household. The average house value according to local real estate values is around $81,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,002 |
| Persons Per Household | 2.15 |
| Average House Value | $81,500 |
| Income Per Household | $42587 |
| Median Age | 51.1 |
| Median Age Male | 49.6 |
| Median Age Female | 52.6 |
| 15954 Details | Values |
|---|---|
| State | PA |
| State Full Name | Pennsylvania |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 814/582 |
| City | Seward |
| City Alias Name | SEWARD |
| County | Westmoreland |
| County FIPS | 129 |
| State FIPS | 42 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6280 |
| PMSA | |
| CSA | 430 |
| CBSA | 38300 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Pittsburgh, PA |
| MSA_Name | Pittsburgh, PA MSA |
| PMSA_Name | |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 19 |
| Number Of Employees | 225 |
| Business First Quarter Payroll | 2338 |
| Business Annual Payroll | 10214 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 2356285 |
| CBSA Division Population | 0 |
| Congressional District | 14 |
| Congressional LandArea | 209.29 |
| Delivery Residential | 878 |
| Delivery Business | 34 |
| Delivery Total | 1041 |
| Preferred Last Line Key | X1A978 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Pittsburgh-Weirton-Steubenville, PA-OH-WV |
| CBSA_DIV_Name | |
| City State Key | X1A978 |
| Land Area | 20.261000 |
| Water Area | 0.252000 |
| City Alias Code | |
| City Mixed Case | Seward |
| City Alias Mixed Case | Seward |
| Box Count | 119 |
| SFDU | 819 |
| MFDU | 0 |
| State ANSI | 42 |
| County ANSI | 129 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 417588 |
| Unique ZIP Name | |
| SSA State County Code | 39770 |
| Medicare CBSA Code | 38300 |
| Medicare CBSA Name | Pittsburgh, PA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 4 |
| County Mixed Case | Westmoreland |
Pennsylvania Homeowners Insurance News & Information
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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 […]
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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 […]
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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 […]