Check out the most popular Home Insurance agencies & companies in Chester County, PA & compare the best quotes from them.

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Overview of Homeowners Insurance in Chester County, PA

According to CrimeGrade, the rate of theft in Chester County is 12.33 per 1,000 residents during a standard year. Therefore, people in Chester County generally take homeowners insurance to avoid financial crises during unforeseen circumstances.

The average cost of homeowners insurance in Chester County, PA, is $1028.58, which is lower than the national average premium. The national average premium is $1224.

Based on that, the cost of the insurance is decided after analyzing certain factors, including the home value, coverage type, deductible, age of the home, and the material used to build your home.

Cost of Insurance based on Deductibles

The deductible is the amount of money a homeowner pays out of pocket before their insurance policy pays any claims. By choosing a higher deductible, homeowners can lower their monthly premiums.

In Chester County, PA, homeowners paying a deductible of 500 have to pay a premium of $1017. Policyholders paying a deductible of 1500 and 2000 have to pay $866 and $786, respectively.

Overview_of_Homeowners_Insurance_in_Chester_County_PA

Cost of Insurance based on the Materials Used

Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.

For instance, homes built with fire resistive brick are offered at a premium of $926 in Chester County, whereas homes built with Masonry and Brick are offered at a premium of $978. Thus, the premium charged will be higher if you use low-quality materials to construct your house.

Cost of Insurance based on the Age of the Home

To decide the cost of insurance, the age of the home plays a significant role as the systems and materials that make up your home age with time and are more vulnerable to property damage.

For instance, houses that are 40 or 50 years old pay a premium of $1056 and $1068, respectively, in Chester County, PA. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. Newly built homes in Chester County, PA, can avail of lower insurance of $823.

Top Home Insurance Companies in Chester County, PA

Home Insurance Company A.M. Best Financial Strength Rating Homeowners Insurance Market share
Erie A+ 15.54%
State Farm A 9%
Liberty Mutual A 8.33%
Nationwide A+ 7.7%
Travelers A++ 6.47%

Top Liberty Mutual Home Insurance Agents in Chester County, PA

Homeowners Insurance Agents Agent Address Contact Details
Mark Lipka Lutcf 401 Lakeside Dr
18966-4227
(215) 364-9440
Markia Lathon 33 E Philadelphia Ave
19512
(610) 367-8600
Marianna Sullivan 926 Ben Franklin Hwy E
19518-9547
(610) 582-5204
Mark Kurchena 1111 Lincoln Ave
19076
(610) 534-9229
Jeff Sun 436 PENN AVE
19611
610-374-4946
Brian Bliss 1813 Marsh Rd Ste G
19810-4544
302-475-9016
Samantha Mcfee 8229 Easton Road
18942
Aaron Bondi 4155 Independence Dr Ste 4B
18078-2593
610-769-3333
Travis Lamphier 2015 W Hamilton St Ste 205
18104
David Hewitt 151 Fries Mill Road
08012-2016
856-228-9119

Top Nationwide Home Insurance Agents in Chester County, PA

Homeowners Insurance Agents Agent Address Contact Details
Scott Insurance & Financial Inc. 180 West Ridge Pike
19468
Larry Jones 1600 HORIZON DR STE 112
18914
215-822-2427
Mark Lee Insurance Agency Inc. 260 E County Line Rd
19040
(215) 674-5353
Quinn Agency Llc 853 N Providence Rd
19063
(610) 285-7300
Larry Jones 7 CHURCH ROAD
19440
215-997-4114
William B Sheally Iii 9A Smithbridge Rd Chester\u00a0Heights
19017
Michael K Nobles 1188 East Route 70
8034
(856) 665-6900
Van A Wallace 653 Skippack Pike, Suite 310 Blue\u00a0Bell
19422
Griffin-Owens Insurance Specialists Llc 907 E Boot Rd
19380
(610) 441-7776
Consultative Ins Grp Inc 1201 County Line Rd Ground FL
19010-1064
610-525-3475

Top Travelers Home Insurance Agents in Chester County, PA

Homeowners Insurance Agents Agent Address Contact Details
R J Galla Co Inc 245 Main St
18049
(484) 895-9000
Mark M Guthrie Insurance Agency 2809 Bristol Pike
19020-5362
(215) 639-8788
Taylorsville Insurance 130 W Allegheny Ave
19133
Thomas Edward Sheehan 1516 Mcdaniel Dr West\u00a0Chester
19380
Sihle Insurance Group Inc 950 Street Rd Ste L 1 Southampton
18966
Eac Brokerage Inc 6 Township Line Rd
www.eacbrokerage.com 19027
(610) 367-4001
Email:kkeusch@eacbrokerage.com
First Central Insurance Agency 1575 Almonesson Rd
8096
(856) 481-4817
Waresak Insurance Group 1700 Columbus Rd 1700 Columbus Rd Burlington
8016
Bob Kellet Ins 119 S State St
www.m-minsurance.com 18940-3509
215-968-9271
Mark Inman Insurance Agency 227 W Lehigh Ave
19133
(215) 291-8182

Top State Farm Home Insurance Agents in Chester County, PA

Homeowners Insurance Agents Agent Address Contact Details
Lee Doucet 380 NORTH LEWIS RD
www.leedoucet.com 19468
610-948-4830
Scott Brase 650 Delp Road
www.scottbrase.com 17601
Linda Roth 2 VETERANS SQ 2ND FL
www.lindarothinsurance.com 19063
267-614-4234
Julie Sturm 467 HIGH STREET SUITE 100
www.juliesturm.com 8016
609-386-1198
John Youngdahl 404 Dublin Pike Suite 1 Dublin
18917
(215) 660-3517
J.R. Jones 201 BUSTLETON PIKE
19053
215-355-5996
Brenda Chivis Montgomery 832 Chestnut St
www.brendamontgomery.com 17042-5229
717-273-0545
Mark Johnson 1636 S Front Street
19148-1404
(215) 468-4116
Jeff Susong 507 MADISON AVE
www.jeffsusong.com 19605
610-685-2804
Sam Sharpe 3062 Main Street
18054

Top Erie Home Insurance Agents in Chester County, PA

Homeowners Insurance Agents Agent Address Contact Details
Mark Hunt Agency 232 E 9th Ave PO Box 348
19428-1506
(610) 832-5960
Alliance Insurance Of East Tn Inc. 1789 S Burlington Rd
08302-4303
856-451-6340
Madison Collins Stephens Inc. 123 W FOURTH ST
19405
610-272-0495
Madia Insurance Agency 624 MARKLEY ST
19401
610-279-3553
Tucker Shepherd Insurance 1301 Baltimore Pike Springfield
19064
Indesure Inc 199 W JOHNSON HIGHWAY
19401
610-270-9180
Gustin Insurance Agency Inc. 8745 Frankford Ave
19136
(215) 824-0600
Terrapin Insurance Group Llc 3399 Jetstar Dr
17543
Tate Insurance Group Inc 167 Manor Road Huntingdon\u00a0Valley
www.tateinsurancegroup.com 19006
Reliant Agency 951 Haddonfield Rd Fl 2
8002
(856) 356-1700

Homeowners Insurance Comparison for the Cheapest Premiums in Chester County, PA

TravelersErieNationwide
Median Home Value ($) 304,380314,380354,380
Construction year 197619901997
Home Coverage ($) $300000-$350000$300000-$350000$350000-$400000
Total Premium ($) $1462$1657$1725

Chester County, PA Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 18%
Nationwide upto 11%
Travelers upto 6%
Erie upto 18%