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 our data. 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:

The size of your home
The age of your home
The amount of coverage you need
Where you live
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 our 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

The cost of your homeowners insurance policy in Allentown can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Allentown with an average annual premium of $1,070 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $421 more annually for home insurance.

Average homeowners insurance cost in Allentown per month

Residents of Allentown pay an average of $153 a month for homeowners insurance. It’s $4 less than the state average of $157 and $56 less than the national average for home insurance across the nation.

The cost of your homeowners insurance policy in Allentown may change based on location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Allentown, PA is $1,415 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Allentown typically pay an average of $1,836 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $421 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Allentown by company

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

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Allentown and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

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

*USAA is only available to military community members and their families.

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in Pennsylvania that can impact your home insurance

Living in Pennsylvania means facing the risk of natural disasters that can seriously damage your home and belongings. These events can lead to expensive repairs and major insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

Being aware of your local risks helps you choose the right level of protection, from setting appropriate coverage limits to deciding on deductibles or adding extra coverage. Taking the time to tailor your policy to those risks can help you avoid being underinsured and give you peace of mind if you’re impacted by a natural disaster.

Pennsylvania is commonly affected by Heat wave.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Pro tip: Review your policy annually

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Allentown for $300,000 dwelling coverage, $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.