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If you live in the 19382 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of West Chester have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.
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It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 19382 and then compare quotes from a variety of nationwide insurance companies.
19382 Average Homeowners Insurance Rates
If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 19382 the average premium for homeowners coverage is $740 which compares very well to the national average of $1,249.
Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 19382. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.
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19382 Home Insurance Average Premiums
$490 /yr.
Shows Zip Code: 19382 lowest rates with discounts applied on average.
For the 19382, 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 19382?
- • The average homeowners insurance premium paid annually for a home in 19382 is around $740 per year.
What does it cost on average per month for home insurance in 19382?
- • Homeowners in 19382 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 19382?
- • Autoowners in 19382 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 West Chester area, check out other zip codes nearby 19382.
Review average rates in another zip code:
19380 homeowners insurance rates
19382 homeowners insurance rates
19383 homeowners insurance rates
Home Replacement Cost Coverage in 19382
Average Building Cost Per Square Foot in 19382: $136
Location: West Chester, Pennsylvania (Chester County)Average Square Footage in 19382: 3,288 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 19382 before you start any project. West Chester 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 19382 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 19382 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,288 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 West Chester 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 | 3,288 | $447,100 |
| Additional Upgrades & Added Features | $170 | 3,288 | $558,875 |
| Major Home Updates or Advancements | $204 | 3,288 | $670,650 |
It's important to understand that when you estimate your replacement cost of your home in the 19382 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 19382
Deery-Thomas Agency
Address: 35 South High Street West Chester, PA 19382Phone: (610)696-6560
Website:
Best Home & Auto Insurance Agencies in 19382
Blewitt, George - Allstate Insurance Company
Address: 770 East Market Street West Chester, PA 19382Phone:
Website: http://www.philadelphia.citysearch.com/profile/external/45972801/west_chester_pa/blewitt_george_allstate_insurance_company.html
Info:
Piper, Merry - State Farm Insurance Agent
Address: 705 East Nields Street West Chester, PA 19382Phone:
Website: http://www.citysearch.com/profile/external/605153272/west_chester_pa/piper_merry_state_farm_insurance_agent.html
Info:
Allstate Insurance Company - Steven Starkey
Address: 1412 Lenape Unionville Road West Chester, PA 19382Phone:
Website: http://www.philadelphia.citysearch.com/profile/667688610/west_chester_pa/allstate_insurance_company_steven_starkey.html
Info:
Christopher T Sniscak Agency - Nationwide Insurance
Address: 729 East Union Street West Chester, PA 19382Phone:
Website: http://www.nationwide.com/agent/West-Chester-PENNSYLVANIA-insurance-agent/chrissniscak/office.html
Info:
Krombolz Agency Inc
Address: 21 S High St West Chester, PA 19382Phone:
Website:
Info:
Housing Demographics for 19382
Population Review for 19382 Zip Code
For the city of West Chester, the population within 19382 has increased to over 53,378 residents in population size. The current population total is 52,498. We have broken down the population based on race below. In 19382, there are over 26128 in male population and 26370 females.
| Population | Values |
|---|---|
| Total Population | 52,498 |
| White Population | 42690 |
| Black Population | 2511 |
| Hispanic Population | 2974 |
| Asian Population | 2994 |
| Hawaiian Population | 18 |
| Indian Population | 106 |
| Other Population | 1220 |
| Male Population | 26128 |
| Female Population | 26370 |
| Population Estimate | 53378 |
Household Data for 19382
The average number of homes in 19382 is around 20,126, there are an average of 2.54 per household. The average house value according to local real estate values is around $447,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 20,126 |
| Persons Per Household | 2.54 |
| Average House Value | $447,100 |
| Income Per Household | $109470 |
| Median Age | 39.6 |
| Median Age Male | 38.2 |
| Median Age Female | 40.8 |
| 19382 Details | Values |
|---|---|
| State | PA |
| State Full Name | Pennsylvania |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 484/484/610/610/835 |
| City | West Chester |
| City Alias Name | WEST CHESTER |
| County | Chester |
| County FIPS | 029 |
| State FIPS | 42 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6162 |
| PMSA | 6160 |
| CSA | 428 |
| CBSA | 37980 |
| CBSA_DIV | 33874 |
| CBSA_Type | Metro |
| CBSA_Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| MSA_Name | Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA |
| PMSA_Name | Philadelphia, PA-NJ PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1487 |
| Number Of Employees | 16187 |
| Business First Quarter Payroll | 203263 |
| Business Annual Payroll | 952862 |
| 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 | 5965343 |
| CBSA Division Population | 1924009 |
| Congressional District | 05|06 |
| Congressional LandArea | 10711.21|860.47 |
| Delivery Residential | 21015 |
| Delivery Business | 1314 |
| Delivery Total | 21962 |
| Preferred Last Line Key | X1B898 |
| Classification Code | |
| Multi-County | Y |
| CSA Name | Philadelphia-Reading-Camden, PA-NJ-DE-MD |
| CBSA_DIV_Name | Montgomery County-Bucks County-Chester County, PA |
| City State Key | X1B898 |
| Land Area | 46.130000 |
| Water Area | 0.533000 |
| City Alias Code | |
| City Mixed Case | West Chester |
| City Alias Mixed Case | West Chester |
| Box Count | 0 |
| SFDU | 14466 |
| MFDU | 1534 |
| State ANSI | 42 |
| County ANSI | 029 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 419044 |
| Unique ZIP Name | |
| SSA State County Code | 39210 |
| Medicare CBSA Code | 33874 |
| Medicare CBSA Name | Montgomery County-Bucks County-Chester County, PA |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 8 |
| County Mixed Case | Chester |
Pennsylvania Homeowners Insurance News & Information
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