Get Kent, PA Home Insurance Rates!

Are you looking for a new homeowners policy in Kent, PA? While shopping for homeowners insurance is never fun, we can help make the process simple and easy. Our site lets you shop up to 12 competitive homeowners insurance rates all at once, so you can find a brand new policy without leaving the comfort of your own home. The insurance companies we work with are top rated carriers who offer a wide variety of coverages and policy choices so you can be confident that your home is fully protected at a price you can afford.

We can help you shop a wide variety of insurers quickly and easily. Let us help you review and compare Kent home insurance rates today, enter your zip code above to start a free online quote or give us a call now.

A Few Facts about Kent, PA Home Insurance Rates

Home insurance cost around $967 per year on average in the Kent area which is slightly more than the national average of $1,311 .

While homeowner rates are fairly affordable in the Kent area, everyone loves to save a bit of money. Our site can compare rates and coverage options from a wide variety of insurance companies and in many cases, we can help you SAVE up to 40% or more on your current premium, while also making sure your home is fully protected.

We only work with national insurance companies that offer the highest quality polices at reasonable prices. When you use our site to shop for a new policy, you can see all the enhanced coverage features, deductible options plus home insurance discounts to make sure you are fully covered at a reasonable price.

Home Values in Kent and Coverage Options

With the home prices in Kent going up, what are my home insurance coverage options? This is a popular question we are hearing from our customers and we are so glad we can help them. Although, insurance coverage in Kent is not always about price, it is important to always consider the right coverage for your home. If your home has greatly increased in value, make sure you have the correct replacement cost to coverage your home. Here is some more information about home replacement cost estimates and values.

Another great thing about living in Kent is that houses are very affordable with the median price for a home running about $155,000. When shopping for homeowners insurance there are a number of different types of policies you can choose from to protect your home. Here is a quick rundown of the different types of insurance policies:

Dwelling Fire: This is a very basic, no frills homeowners policy. It offers extremely limited protection, only covering damage done by fire and smoke. You may be able to add wind, explosion, and vandalism damage to the list of covered perils.

This is usually the cheapest homeowners policy you can purchase because it offers such limited coverage. Dwelling Fire coverage is only a good idea if you have a home that is sitting empty.

HO-2: This policy is also called a named perils policy. In the policy wording it names all of the perils that are covered by the policy. If your home is damaged or destroyed by a peril not on that list, it is not covered.

While the perils named in these policies make up almost 90 percent of all homeowner insurance claims, there are perils that are not covered which leaves the chance that you could experience damage that is not covered, leaving you on the hook for those costs.

HO-3: This is considered the standard when it comes to homeowners insurance and is the most common type of homeowners policy in the market. These policies are typically referred to as “all risk” or “named exclusions” as they cover all perils except those that are specifically excluded in the policy wording. These are the most common policies that we sell and they offer robust coverage at an affordable price.

While the wording can vary between policies, most HO-3 policies list the following exclusions:

HO-4: These policies are designed specifically for renters. They are more commonly called renters insurance. These policies protect the possessions in your apartment or other rental as well as offering liability protection. An HO-4 can be used regardless of whether you are renting an apartment, condo, home or townhome. These policies are named perils policy. It covers the same 16 perils as the HO-2. Renters insurance is very affordable and is a must have coverage if you rent.

HO-5: These policies expand the coverage offered by a HO-3 policy and are typically written on more upscale, newer homes. These policies may not be available on older homes.

An HO-5 policy offers higher coverage limits for both the home and your possessions which makes them a great option for higher value homes. If you live in a home that qualifies for a HO-5 policy, they offer some of the best protection available.

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Average Rates Nearby Kent

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Home Insurance Rates by Zipcode in Kent, PA

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

Kent, PA Home Insurance Average Premiums

$434 /yr.

For the city of Kent, 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.

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

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

Kent, PA - 2023 Housing Information

Homeowners insurance will help cover the cost to repair or replace your Kent 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:

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

Saving Money Tips on Kent Home Insurance

A great way to save money on Kent 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:

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

Elevation Review for Coastal Wind or Flooding Risk

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 Kent, 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 Indiana County.

Pennsylvania Homeowners Insurance News & Information

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 […]

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 […]

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 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 […]

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 […]

Kent, PA Dwelling Coverage Estimate

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

- The average square footage in Kent is around 1,140 Sq. Ft. which would cost you around $155,000 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $155,000

Location: Kent, Pennsylvania (Indiana County)

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

Average Square Footage in Kent: 1,140 Sq. Ft.

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

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