Pennsylvania Homeowners Insurance

Pennsylvania home insurance costs less than the national average, and there are additional ways to save.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 23, 2022

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The Rundown

  • Home insurance in Pennsylvania tends to be cheaper than in other states
  • Popular add-ons for Pennsylvania homeowners include flood and sinkhole insurance, but they can make policies very expensive
  • The best way to find affordable insurance in Pennsylvania is to compare rates with national companies and local businesses

Pennsylvania has a homeownership rate of 73%, slightly above the national average. The good news for those homeowners is that the Pennsylvania homeowners insurance average tends to be a little cheaper than the rest of the country.

With danger coming from snow, flooding, fires, and theft, affordable home insurance is essential for residents of the Keystone State. While the exact price you’ll pay depends on various factors, Pennsylvanians have several options to protect their homes.

Read on to learn how to find affordable homeowners insurance in Pennsylvania, then compare rates with as many companies as possible to find the perfect policy to protect your home.

How much does home insurance in Pennsylvania cost?

Pennsylvania homeowners pay about $955 a year for homeowners insurance, or just under $80 a month. That’s a little less than the national average of $1,272 a year or $106 a month.

All companies use different variables to determine insurance rates, regardless of the coverage type. For homeowners insurance in Pennsylvania, insurers commonly look at the following factors:

  • Location. Location is a significant aspect insurers consider when setting rates. Houses in Philadelphia and Chester tend to have the highest rates.
  • Age and condition of your home. Older homes consist of materials costing more to repair or replace than modern homes. Insurance companies also consider the age of your roof, electrical system, and plumbing.
  • Value of your home. The more your home costs, the pricier your insurance will be.
  • Safety features. Safety features protect your home from things like burglars or fires and can earn you lower rates on your insurance.
  • Credit history. Insurance companies look at your credit score to determine how risky you are to insure.

Though these are the most common factors insurers use to set your rates, companies use unique formulas consisting of different factors. However, you can get an idea of what you might pay by looking at the average price of home insurance in Pennsylvania’s 10 biggest cities.

CityAverage Monthly Price
Philadelphia$117
Pittsburgh$75
Allentown$73
Erie$76
Reading$71
Bethlehem$72
Scranton$76
Lancaster$65
Levittown$62
Harrisburg$71
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When you compare homeowners insurance across Pennsylvania, you’ll notice there’s a lot of variation. However, most areas are affordable for home insurance. Aside from Philadelphia residents, most citizens in the state pay less than $100 a month on average. Philadelphia’s insurance costs are higher due to increased home value and higher crime rates.

Since rates vary by location, comparing quotes is important. While the average insurance cost might be $70 in your town, you’ll see various prices from different companies.

You can seek alternative insurance from the PA fair home insurance program if you can’t find affordable insurance because companies consider you high risk. This program promises access to affordable insurance to people who can’t find coverage elsewhere.

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What are the cheapest home insurance companies in Pennsylvania?

If you’re looking for homeowners insurance in Pennsylvania, you may come across affordable prices with national providers alongside local businesses.

To showcase the importance of comparing quotes, take a look at the average price of some of Pennsylvania’s top home insurance companies below.

CompanyAverage Monthly Price
Allstate$101
Westfield$53
USAA$77
State Farm$86
Erie$62
Travelers$69
Nationwide$56
Liberty Mutual$121
Chubb$80
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Although it’s important to find a low price, picking the cheapest company from the list above should only be a starting place. There’s a lot more to consider for insurance than prices.

For example, USAA is usually an affordable option for most insurance products, but only active and retired military members and their families are eligible for coverage. Westfield is another cheaper option, but customers often complain about this small provider’s mobile app and online options.

On the other hand, Allstate is one of the pricier options, but customers typically love the company’s service and available discounts.

Remember that the coverage amount will also affect how much you pay for insurance. Buying more than a basic policy is never a bad idea, but it does increase your rates. If you have a budget you need to stick to, only buy what you need.

How much insurance do you need in Pennsylvania?

As in other states, Pennsylvania doesn’t require homeowners to get insurance. You’ll probably need home insurance if you have a mortgage on your home or your homeowner’s association (HOA) requires one.

For homeowners without a mortgage or HOA, insurance still offers vital protection for your home. To determine how much insurance you need to protect your home completely, you need to understand what a standard policy covers. All companies are different, but most include the following in their standard policies:

  • Dwelling protection. Dwelling protection covers the physical parts of your home, including the roof, walls, and foundation. It also covers freestanding structures like fences and sheds.
  • Personal belongings. It takes more than a roof and walls to make a home. A standard insurance policy covers your personal belongings, including furniture, clothes, and appliances.
  • Liability. If you’re responsible for a guest’s injury on your property, you may face legal repercussions. Liability insurance helps pay for any legal fees you may incur.

You’ll need to check with your company, but most standard policies cover the following damage:

  • Fire and smoke
  • Lightning, hail, and windstorms
  • Falling objects
  • Snow, ice, and sleet
  • Explosions
  • Collisions from aircraft, cars, and other vehicles
  • Theft
  • Volcanic activity

A standard policy offers a lot of protection, but it doesn’t cover everything. Pennsylvania homes are particularly susceptible to natural flooding and flooding after frozen pipes explode. Because of that, it’s generally a good idea to increase the coverage of a standard policy.

Should you get insurance for natural disasters in Pennsylvania?

While Pennsylvania isn’t as prone to natural disasters like tornadoes and hurricanes, the Keystone State still feels the effects of bad weather. For example, Hurricane Ida caused flooding in 2021, and western Pennsylvania is experiencing record numbers of tornadoes.

Pennsylvania also deals with a lot of snow and ice. While a standard home insurance plan covers direct damage from winter weather, burst pipes aren’t usually covered.

One of the most valuable add-ons you can buy for your home is flood insurance. Flood insurance runs a little higher in Pennsylvania than in other states and can significantly raise rates. In Pennsylvania, flood insurance costs about $117.

Although Pennsylvanians pay more for flood insurance, the price is worth it for any homeowner experiencing water damage.

Another consideration for Pennsylvanians is sinkhole insurance. Pennsylvania is one of six states most at risk of sinkholes, but home insurance doesn’t cover damage from a sinkhole. Sinkhole insurance can be expensive but worth it if your home is damaged by the ground shifting underneath it.

How can you save money on your homeowners insurance?

Homeowners insurance in Pennsylvania is already more affordable than in most states, but there are ways to save even more. If you want to protect your home but need to stay on a budget, try the following methods to lower your rates:

  • Find discounts. Most insurance companies offer discounts to help you save money. The most common are discounts for safety features, bundling policies, and home upgrades.
  • Raise your deductible. If your monthly payments are too expensive, you can raise your deductible to lower them. However, you’ll have to pay more before insurance kicks in if you need to file a claim.
  • Get rid of high-risk items. Some items are more likely to injure people than others. If you get rid of hazards in your home, your company might be willing to lower your rates.
  • Compare rates. As with all insurance types, comparing prices is the best way to ensure you get the lowest rates possible.

There are other ways to lower your monthly rates, like raising your credit score or reducing your coverage amount. However, the most effective way to find an affordable policy is to compare rates with multiple companies.

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Find the Best Homeowners Insurance in Pennsylvania

Since homeowners insurance tends to be cheaper in Pennsylvania, finding an affordable policy isn’t usually a struggle. Since Pennsylvanian homes are at a higher risk from snow, flooding, and sinkholes, it should be a relief to Pennsylvania homeowners that insurance is usually cheap.

Although insurance is affordable, you should still compare rates with as many companies as possible to find the perfect policy.

Important Contact Information

Pennsylvania Department of Insurance
1326 Strawberry Square
Harrisburg, PA17120
Phone: (717) 787-2317
Website

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