Average homeowners insurance cost in Allentown, PA

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In Allentown, homeowners pay an average annual rate of $1,836 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $668 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Allentown, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Allentown, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Allentown.

Key Takeaways

Homeowners insurance costs $1,836 per year in Allentown.
At $1,070 per year, Allstate offers the cheapest homeowners insurance in Allentown.
Your home insurance rates increase by $421 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Allentown per month

Allentown homeowners pay an average of $153 a month, based on our rate analysis. It’s $4 less than the state average of $157 and $56 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Allentown may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Allentown

In Allentown, PA, homeowners pay an average of $1,415 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Allentown

According to Insure.com’s rate analysis, homeowners in Allentown typically pay an average of $1,836 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $421. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Allentown by company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Allentown. It’s average annual rate for Allentown homeowners is $1,070, while State Farm ranks second.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Allentown and prepared a list of the cheapest home insurance providers. You can find below the Allentown home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Allstate	$1,070
State Farm	$1,352
Erie Insurance	$1,477
Nationwide	$1,491
Farmers	$2,030
Travelers	$4,824
USAA*	$1,477

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Allentown for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.