Trafford, PA Homeowners Insurance Rate Quotes!

Are you looking for the best home insurance rates in Trafford, PA? Although price is the #1 factor for homeowners when it comes to shopping for a new home insurance policy, the most important is having the right coverage and protection for your home and family. If you want to save more money on your Trafford home insurance premium, try applying the following homeowners insurance discounts and credits when comparing multiple rates, you may realize that there are additional discounts available other than the common deadbolt, smoke detector or security alarm. All of these possible discount items can help you save up to 40% on your home insurance policy. For fast quotes, please call us at 1-855-976-2656 or get quotes online for free and let our local Trafford home insurance professional help you find the affordable rates you are looking for!

Buying a Trafford, PA Homeowners Policy

Many homeowners in Trafford are not sure what is covered under a basic homeowners (HO-3) policy. Here are the most important coverage details that you need when a standard policy. Also below we have included some coverage options that may be required in addition to your policy for that added protection.

Standard Coverage

Fire and Lightning - home fires or weather related claims due to thunderstorms
Water Damage and Freezing Temperatures - plumbing issues or harsh cold winters
Theft
Bodily Injury

Additional Protection

Wind and Hail - high winds and hail damage account for the majority of claims every year.
Earthquake - some mortgage providers require you to purchase earthquake insurance.
Flooding - if your home is in a flood zone, your mortgage lender will require you to purchase a flood insurance policy.

When shopping and comparing homeowners insurance quotes online, it's also very important to have all your questions answered before purchasing a policy. This is why our quoting service provides the highest quality in customer care and free insurance consulting services. We want to help you discover affordable rates, but also help you find the protection you need for your Trafford home.

How much is home insurance in Trafford, PA?

Finding cheaper premiums in Trafford is now much easier for local residents thanks to GetHomeInsuranceQuotes.com. Many homeowners often ask how their current premium ranks compared to other homeowners throughout the state. Trafford homeowners are seeing rates as low as $436.00 per year. Average home insurance rates with good coverage and a 1800 square foot home are seeing rates around the $686.00 per year which is only $57.00 per month. Higher-end homes that are much larger than 2800 square feet require more replacement cost coverage, so those rates are in the $986.00 range per year. It's important to know that these average homeowners insurance rates reflect the cost of a standard HO-3 home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage. As mentioned above, please understand that a basic homeowners insurance policy does not include flood or earthquake protection.

The best home insurance coverage includes an affordable rate with the protection you need. At GetHomeInsuranceQuotes.com, our licensed agents can provide up to 12 competitive home insurance quotes for you to review. And our free consulting service allows us to answer any questions that you may have about which policy is best for your family and home located in Trafford.

Trafford City Demographics

Location of Trafford, PA (WESTMORELAND County)

Total Population: 7,944
Occupied Residents: 3,369
Average Price of a Home Per Zip Code: $155,400

Compare Homeowners Insurance Rates in Trafford, PA!

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

Average Rates Nearby Trafford

Are you looking for homeowners insurance in a city near Trafford? 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 Trafford, PA

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

15085,

Trafford, PA Home Insurance Average Premiums

Local Trafford, PA home insurance quotes comparison

$436 /yr.

Shows Trafford's lowest average rates with discounts applied.

For the city of Trafford, 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)	$436 /yr.
Average Coverage:	$686 /yr.
2600 sq. ft. or higher (all discounts applied)	$986 /yr.

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

• The average homeowners insurance premium paid annually for a home in Trafford is around $686 per year.

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

• Homeowners in Trafford pay an average cost per month around $57.00 for insurance coverage.

Trafford, PA - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$188,962	$182,348
February	$190,360	$183,248
March	$192,399	$184,322
April	$191,905	$185,477

Homeowners insurance will help cover the cost to repair or replace your Trafford 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 Trafford
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 Trafford, PA homeowners insurance rates all in one place!

Saving Money Tips on Trafford Home Insurance

A great way to save money on Trafford 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 Trafford 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
1121 ft.	This is the average home elevation in Trafford, 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 Trafford, 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 […]

Trafford, PA Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Trafford 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 Trafford, PA?

- The average square footage in Trafford is around 1,143 Sq. Ft. which would cost you around $155,400 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $155,400

Location: Trafford, Pennsylvania (Westmoreland County)

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

Average Square Footage in Trafford: 1,143 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$136	$155,400
Some Additional Upgrades	$170	$194,250
Major Home Updates or Advancements	$204	$233,100

Calculate Your Trafford, PA Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($136) in Trafford, 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.