Rome, PA Homeowners Insurance Rate Quotes!

Do you know if you need an HO-2 or an HO-3 policy for your home in Rome?

Most homeowners in Rome are not sure which coverage type they need, all homeowners really want is lower premiums and most of all better coverage with a company they can trust if they ever need to file a home insurance claim. Well, at GetHomeInsuranceQuotes.com, we compare the most competitive carrier rates available which makes it easy for customers to find lower monthly premiums. The high quality customer service that we provide helps you understand all of your coverage options while helping you get the best policy for you and your family. Our online rating application is free and easy to use. Give us a call today or enter your zip code to compare rates online.

Rome Home Insurance Rates

Do you know what the average homeowners insurance rate is for a home in Rome?

One of the many questions we get from customers living in Rome, PA has to do with comparing the best home insurance rates. Homeowners are interested in what the average rates are for a standard (HO-3) policy in Bradford County. Residence with homeownership in Rome, PA currently pay $719 annually for a standard homeowners insurance policy on average, where the majority of the United States premiums are estimated to be around $1311. When we review and compare rates for you it is likely to expect a broader range of quoting and coverage options that are more affordable around $469 to more expensive prices around $1,019. Your rate may seem higher depending on the replacement cost coverage, your preferred deducitle plan and claims history. Discounts that can be applied will help you save more money by reducing your annual premium. For example, it's not uncommon with all discounts applied including a home/auto package that savings can be in the range of 40% or more. Let us help you discover more affordable home insurance rates today for your home in Rome, PA. Shop online or give us a call now: 1-855-976-2656.

Compare Homeowners Insurance Rates in Rome, PA!

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Average Rates Nearby Rome

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

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

18837,     

Rome, PA Home Insurance Average Premiums

$469 /yr.

For the city of Rome, 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 Rome, PA?

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

Rome, PA - 2023 Housing Information

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

Saving Money Tips on Rome Home Insurance

A great way to save money on Rome 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 Rome 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 Rome, 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 Bradford 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 […]

Rome, PA Dwelling Coverage Estimate

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

- The average square footage in Rome is around 1,198 Sq. Ft. which would cost you around $162,900 to replace the home if you base the home on the price to build per square foot of $136.

Minimum Replacement Cost Total: $162,900

Location: Rome, Pennsylvania (Bradford County)

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

Average Square Footage in Rome: 1,198 Sq. Ft.

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

Rome, PA Home Insurance Quotes!

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