C. B. Insurance Solutions
287 Maple Avenue, Harleysville, PA 19438
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Harleysville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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287 Maple Avenue, Harleysville, PA 19438
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204 W Main St, Harleysville, PA 19438
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3800 Ashland Drive, Harleysville, PA 19438
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Learn about insurance coverage options specific to Harleysville residents.
Harleysville homeowners pay $667-$902/year for insurance—well below PA's average. Learn about flood risks, coverage needs, and savings strategies.
Car InsuranceHarleysville drivers pay 62% less than Philadelphia. Learn about PA's choice no-fault system, tort options, and how to save on auto insurance coverage.
Montgomery County homeowners typically pay between $667 and $902 annually for home insurance, which is significantly lower than Pennsylvania's state average of $1,911 per year. Your actual cost depends on your home's value, age, condition, credit score, and the coverage limits you choose.
Most of Harleysville is in FEMA flood zone X, where flood insurance isn't mandatory. However, the area faces moderate risk from 500-year flood events, and standard homeowners policies don't cover flood damage. Given that Pennsylvania paid out over $15.6 million in flood claims in 2024 and just one inch of water can cause $25,000 in damage, flood insurance is worth considering even if it's not required.
Homes built in 1980 cost about 77% more to insure than homes built in 2020 in Pennsylvania. Older homes have higher risks of claims due to outdated electrical systems, old plumbing, aging roofs, and materials that no longer meet current building codes. Many established Harleysville neighborhoods have older homes, which is why age significantly impacts premiums here.
Pennsylvania law doesn't require homeowners insurance, but if you have a mortgage, your lender will absolutely require it as a condition of your loan. Even if you own your home outright, going without insurance is extremely risky given the potential for fire, storm damage, liability claims, and other costly disasters.
The most effective strategy is shopping around—Montgomery County residents save an average of $314 by comparing quotes. You can also bundle home and auto insurance for 15-25% savings, increase your deductible, install security or fire suppression systems, update old roofs or electrical systems, and maintain excellent credit, which can save thousands annually.
Erie Insurance ranks as the best overall for Pennsylvania in 2025, while Allstate offers the cheapest rates at around $1,263 annually for the state. State Farm, Nationwide, and Farmers also serve Harleysville well. The best choice depends on your specific home, coverage needs, and whether you bundle policies, so get quotes from multiple carriers.
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