Best Pennsylvania Homeowners Insurance Agents & Brokers (2024)
Comprehensive Pennsylvania Homeowners Insurance: Safeguard your property and belongings with tailored coverage designed to meet your unique needs. Explore the range of options available with Pennsylvania Homeowners Insurance to protect your home against unexpected events such as natural disasters, theft, and liability claims.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Oct 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Welcome to our comprehensive guide on Pennsylvania homeowners insurance. In this article, we delve into the importance of protecting your property and belongings with the right insurance coverage tailored for Pennsylvania homeowners.
- 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
To ensure you find the best rates and coverage options, enter your ZIP code below. Compare rates from top insurance providers in Pennsylvania and secure the homeowners insurance policy that offers peace of mind and financial security.
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.
Home Insurance for Cities in PA
City Average Monthly Price
Philadelphia $117
Pittsburgh $75
Allentown $73
Erie $76
Reading $71
Bethlehem $72
Scranton $76
Lancaster $65
Levittown $62
Harrisburg $71
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.
Cost of Home Insurance in PA by Company
Insurance Company Average Monthly Price
$101.00
Westfield $53.00
$77.00
$86.00
$62.00
$69.00
$56
$121.00
$80.00
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
Home Insurance Guides for Nearby States
- Delaware Homeowners Insurance
- Maryland Homeowners Insurance
- New Jersey Homeowners Insurance
- New York Homeowners Insurance
- Ohio Homeowners Insurance
- West Virginia Homeowners Insurance
Pennsylvania Insurance Agents
Philadelphia Home Insurance | Pittsburgh Home Insurance | Allentown Home Insurance | Erie Home Insurance | Reading Home Insurance | Scranton Home Insurance | Bethlehem Home Insurance | Lancaster Home Insurance | Harrisburg Home Insurance | Altoona Home Insurance | York Home Insurance | State College Home Insurance | Wilkes Barre Home Insurance | Norristown Home Insurance | Chester Home Insurance | Bethel Park Home Insurance | Williamsport Home Insurance | Monroeville Home Insurance
Frequently Asked Questions
How much insurance do you need in Pennsylvania
The amount of insurance you need in Pennsylvania depends on various factors, including the value of your home, the cost to rebuild, the possessions you have, and the risks you want to protect against.
The standard homeowners insurance policy in Pennsylvania usually covers the following:
- Dwelling coverage: This covers the cost to rebuild or repair your home after damage from events such as fire, wind, or hail.
- Personal property coverage: This protects your personal belongings such as furniture, clothing, and electronics.
- Liability coverage: This covers you if someone gets injured on your property and sues you.
- Additional living expenses: This coverage helps pay for costs like hotels and food if you have to temporarily move out of your home while it’s being repaired.
Typically, a standard homeowners insurance policy has coverage limits, which are the maximum amount of money your insurer will pay for a covered loss. Pennsylvania homeowners should consider their coverage limits carefully, as they may not be enough to cover the full cost of a major disaster.
Is homeowners insurance required in Pennsylvania?
While Pennsylvania doesn’t legally require homeowners insurance, it’s often a requirement if you have a mortgage on your home. Additionally, some homeowner’s associations (HOAs) may mandate insurance coverage. Even if you don’t have a mortgage or an HOA, it’s highly recommended to have homeowners insurance to protect your investment and mitigate potential risks.
Does homeowners insurance cover flooding in Pennsylvania?
Standard homeowners insurance policies typically do not cover flood damage. Pennsylvania is prone to flooding, especially in areas near rivers and coastal regions. If you live in a flood-prone area, it’s crucial to consider purchasing separate flood insurance to ensure you’re adequately protected against flood-related losses.
Are sinkholes covered by homeowners insurance in Pennsylvania?
Sinkhole coverage is not usually included in standard homeowners insurance policies in Pennsylvania. However, since Pennsylvania is one of the states at a higher risk for sinkholes, it’s advisable to explore additional coverage options specifically for sinkhole damage. Speak with your insurance agent to determine if sinkhole insurance is necessary for your property.
Are home-based businesses covered by homeowners insurance?
Home-based businesses may not be adequately covered by a standard homeowners insurance policy. If you operate a business from your home, it’s essential to review your policy and discuss your situation with your insurance provider. Depending on the nature and scale of your business, you may need to consider additional coverage such as a business owner’s policy (BOP) or commercial insurance.
How often should I review and update my homeowners insurance policy?
It’s a good practice to review your homeowners insurance policy annually or whenever there are significant changes to your home or personal circumstances. Events such as renovations, additions, acquiring valuable items, or changes in the local building codes may require adjustments to your coverage. Regularly reviewing your policy ensures that you have adequate protection and helps you avoid any potential coverage gaps.
Compare The Best Insurance Quotes In The Country
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.