East Vandergrift, PA Home Insurance Quotes!

It's not uncommon for East Vandergrift homeowners to desire a fast "get it done" approach when it comes to shopping for a basic Pennsylvania homeowners insurance policy. We realize time is always an important factor, sometimes as much as cost. If you are shopping today for an affordable home insurance coverage for your home in East Vandergrift, PA, then you have arrived at the right place, at the right time. An PA home insurance policy is designed to protect you from a major financial set back. When talking about a homeowners insurance policy, financial risk or loss can occur if your home was ever damaged by a fire, lightning, hurricane, theft or falling objects like a tree. So as you can see a standard homeowners insurance policy is not complicated, but sometimes comparing multiple coverage options and rates at the same time can be. Here at GetHomeInsuranceQuotes.com, we provide a quick way for you to compare the most affordable East Vandergrift home insurance quotes by using our online quoting system. You can easily start this process by entering your zip code at the top of the page.

Compare Multiple East Vandergrift Home Insurance Quotes

Here is how the process works in three easy steps:

Enter your zip code to start the online Pennsylvania home insurance quoting application. If this is a new home purchase in East Vandergrift, PA, please make sure you include the correct zip code and street address for the home you would like to receive comparative rates for.
The online quoting application is designed to limit your time completing a long form, just to review rates. This is why we have scaled down our information request so that we can process only the required home details in order to process multiple quotes faster. We will need important property information like the square footage of your home and what year your home was built.
Finally, you can sit back and relax. Just click "Get Home Insurance Quotes" and we will shop up to 12 home insurance carriers that are all very competitive in the city of East Vandergrift. We will also assign one Pennsylvania home insurance professional to help answer any questions you may have. Our quoting process is secure and hassle free. We look forward to helping you compare the most affordable East Vandergrift, PA rates.

Understanding more about your East Vandergrift homeowners insurance is a huge advantage to getting the right coverage. It's not always about the cheapest price, sometimes paying a little more for better coverage with a brand name like Nationwide, Travelers or Liberty Mutual can help you gain the coverage you need when you depend on your home insurance company the most. Our Pennsylvania agents are easily accessible by phone or online. You can start by entering your zip code for the home you would like to insure in East Vandergrift, PA and let us generate the multiple quotes for you for free or call us at 1-855-976-2656. We will work with you to provide the best coverage and cost savings option. Start your East Vandergrift home insurance quote today!

East Vandergrift, PA Demographics & Home Value Data

The housing data listed below is for the East Vandergrift, PA (WESTMORELAND County) location.

East Vandergrift Total Population: 1,352
# of Residents Living With Single Family Homes: 628
Average Real Estate Price of a Home Per Zip Code in East Vandergrift: $53,500

Average East Vandergrift, PA Home Insurance Rates

Homeowners living nearby or within the city of East Vandergrift are paying around $967 per year on average. We have helped customers save more by shopping the best rates and coverages, smaller size homes in terms of square footage are seeing rates as low as $488 per year in East Vandergrift. Higher-end homes that cost more to rebuild or replace include more coverage in the policy and premiums are around $1,038. On average, homeowners in East Vandergrift pay around $738 per year or $62 per month for great quality coverage and price you can afford to protect the home you love. These average home insurance rates reflect the cost of a basic single family home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

To receive free home insurance quotes, please start the quoting process online by simply enter your zip code or give us a call now at 1-855-976-2656.

Compare Homeowners Insurance Rates in East Vandergrift, PA!

Get up to 12 competitive East Vandergrift, PA homeowners insurance rates all in one place!

Average Rates Nearby East Vandergrift

Are you looking for homeowners insurance in a city near East Vandergrift? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in East Vandergrift, PA

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in East Vandergrift.

15629,

East Vandergrift, PA Home Insurance Average Premiums

Local East Vandergrift, PA home insurance quotes comparison

$488 /yr.

Shows East Vandergrift's lowest average rates with discounts applied.

For the city of East Vandergrift, 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)	$488 /yr.
Average Coverage:	$738 /yr.
2600 sq. ft. or higher (all discounts applied)	$1038 /yr.

What is the average home insurance cost for a home in East Vandergrift, PA?

• The average homeowners insurance premium paid annually for a home in East Vandergrift is around $738 per year.

What does it cost on average per month for home insurance in East Vandergrift, PA?

• Homeowners in East Vandergrift pay an average cost per month around $62.00 for insurance coverage.

East Vandergrift, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$51,656	$0

Homeowners insurance will help cover the cost to repair or replace your East Vandergrift home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in East Vandergrift
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive East Vandergrift, PA homeowners insurance rates all in one place!

Saving Money Tips on East Vandergrift Home Insurance

A great way to save money on East Vandergrift homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the East Vandergrift area? Check out what homeowners are paying on average for Pennsylvania homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
803 ft.	This is the average home elevation in East Vandergrift, PA	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local Pennsylvania flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in East Vandergrift, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Westmoreland County.

Pennsylvania Homeowners Insurance News & Information

Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024
While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states. In most states, insurers are allowed to consider credit scores when setting […]
The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024
If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it. A.M. Best is a credit rating […]
Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024
A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase. Currently, a Broward commissioner is asking Congress to pass legislation he claims […]
North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024
North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]
How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024
Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured. Major upgrades such as adding square footage to your home or […]

East Vandergrift, PA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in East Vandergrift so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in East Vandergrift, PA?

- The average square footage in East Vandergrift is around 393 Sq. Ft. which would cost you around $53,500 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $53,500

Location: East Vandergrift, Pennsylvania (Westmoreland County)

Average Building Cost Per Square Foot in East Vandergrift: $136 (low end)

Average Square Footage in East Vandergrift: 393 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$53,500
Some Additional Upgrades	$170	$66,875
Major Home Updates or Advancements	$204	$80,250

Calculate Your East Vandergrift, PA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($136) in East Vandergrift, Pennsylvania times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $425,000 (Media price to build of $170 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.