Central Penn Insurance
255 Gordon Dr, STE 103, Exton, PA 19341
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255 Gordon Dr, STE 103, Exton, PA 19341
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600 Eagleview Boulevard, Suite 300, Exton, PA 19341
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600 Eagleview Boulevard, Suite 300, PMB 75, Exton, PA 19341
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300 N Pottstown Pike, Suite 250, Exton, PA 19341
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131 Woodcutter St, Exton, PA 19341
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100 Campbell Boulevard, Suite 100, Exton, PA 19341
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256 Eagleview Blvd, Ste 317, Exton, PA 19341
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180 Sheree Boulevard, Suite 3100, Exton, PA 19341
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728 E. Lincoln Highway, Exton, PA 19341
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388 Vineyard Ln, Exton, PA 19341
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Learn about insurance coverage options specific to Exton residents.
Exton homeowners pay $1,200-$1,800/year for insurance. Learn about storm coverage, new construction discounts, and how to lower your premium in Chester County.
Car InsuranceExton auto insurance costs $1,300-1,800/year. Learn PA's full tort vs limited tort options, state requirements, and how to save on Route 30 commuter coverage.
Car InsuranceExton drivers pay $1,300-1,800/year for car insurance—62% less than Philadelphia. Learn about PA's tort choice and how to save on Chester County rates.
General Insurance EducationComplete insurance guide for Exton, PA residents. Understand Pennsylvania's full tort vs limited tort, minimum coverage, and competitive Chester County rates.
Most Exton homeowners pay between $1,200 and $1,800 annually for home insurance, though this varies based on your home's value, age, and your credit score. This is below the national average of $2,423, but rates in Pennsylvania have increased significantly—up 44% between 2021 and 2024. For a typical Exton home valued around $605,000, expect to pay toward the higher end of that range or more depending on your coverage limits.
Yes, standard homeowners insurance in Pennsylvania covers damage from severe thunderstorms, including wind damage, hail, and lightning strikes. Chester County experiences frequent severe storms with hail over 1 inch and wind gusts exceeding 58 mph, so this coverage is essential. However, flood damage requires a separate flood insurance policy, which you should consider if your home is near water or in a low-lying area.
Yes, most insurers offer discounts of 10-20% for homes less than 10 years old because they're built to current codes and have newer systems that are less likely to fail. If you're buying in one of Exton's new communities like Exton Walk or Worthington Farm, ask your insurer about new home discounts as well as additional savings for storm-resistant features like impact-resistant roofing or monitored security systems.
The most effective ways to reduce your premium are improving your credit score (which has the biggest impact in Pennsylvania), bundling home and auto insurance for 15-25% savings, raising your deductible to $1,000 or higher, and shopping around with at least three different insurers. Also notify your insurer about home improvements like a new roof or updated electrical system, as these can qualify you for additional discounts.
Your dwelling coverage should reflect your home's replacement cost, not its market value. For Exton's median home price of $605,000, you likely need $500,000-$700,000 in dwelling coverage depending on your home's size, construction quality, and finishes. Consider guaranteed or extended replacement cost coverage to protect against construction cost increases, as rebuilding costs can exceed your home's market value, especially after a major disaster when contractors are in high demand.
While Exton isn't in a high-risk flood zone, severe storms can overwhelm drainage systems and cause localized flooding. Standard homeowners insurance doesn't cover flood damage, so if your home is near a creek, in a low-lying area, or has a basement, flood insurance through the National Flood Insurance Program is worth considering. It's a separate policy but can prevent devastating financial losses from water damage.
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