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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average cost of home insurance in Pennsylvania is $99 per month for a policy with $300,000 in dwelling coverage, according to Insurify data. Pennsylvania homeowners pay less than the U.S. national average of $212 per month for the same coverage.
Homeowners insurance isn’t legally required in Pennsylvania, but most mortgage lenders require it. A standard policy covers many of the most common risks that Pennsylvania homeowners might face, including hail, wind, and winter storms.[1] But if you want coverage for flooding, you’ll need to supplement with a stand-alone flood insurance policy.
Amica, Chubb, and Farmers are some of the best home insurance companies in Pennsylvania.
Westfield is the cheapest home insurance company in Pennsylvania, with an average monthly rate of $53 for a $300,000 dwelling coverage policy.
Rates in Pennsylvania are generally below the national average, but the rate you pay will depend on where you live, your deductible, and the materials used to build your home.
Best home insurance companies in Pennsylvania
Many reputable home insurance companies insure property owners in the Keystone State, but the best homeowners insurance in Pennsylvania for you will depend on your situation and coverage needs.
As you begin your search, here are some of the top home insurance companies based on customer satisfaction, coverage options, discounts, and other factors.
Amica: Best for customer satisfaction
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $119/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $176/mo |
Amica has impressive customer satisfaction scores, earning the top spot in the J.D. Power U.S. Home Insurance Study.[2] Amica scored 705 out of 1,000, which is much higher than the study average of 642. In addition, Amica has excellent claims satisfaction, scoring well above average in the J.D. Power U.S. Property Claims Satisfaction Study.
Highest J.D. Power customer satisfaction rating
Great claims satisfaction score
Some policyholders are eligible to receive dividends
No 24/7 customer support
No local branches or in-person agents
Mobile app has low rating on Google Play
Erie: Best for in-person service
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $111/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $157/mo |
Erie has branch locations throughout the state of Pennsylvania, so you can meet with an agent face to face for all your home insurance needs. The company also has an above-average customer satisfaction and claims satisfaction rating from J.D. Power, and it receives fewer complaints than expected from the National Association of Insurance Commissioners (NAIC).
Many offices and in-person agents across Pennsylvania
Above-average J.D. Power customer satisfaction rating
Fewer complaints than expected
Quotes not available online
Limited information about available discounts and add-ons online
Poor rating for service in J.D. Power U.S. Insurance Digital Experience Study
Chubb: Best for high-value homes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $79/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $101/mo |
Chubb’s Masterpiece homeowners insurance provides unique coverages for high-value homes, like extended replacement cost coverage, a cash settlement option after an insurance claim, water backup coverage, complimentary home protection services, and liability coverage limits up to $100 million.
If your home is a total loss after a claim, Chubb will find you a comparable temporary living situation in your same neighborhood and school district.
Tailored coverages for high-value properties
Highest claims satisfaction rating from J.D. Power
Second-best J.D. Power customer satisfaction score
Not many available discounts
Quotes not available online
May not be the cheapest insurer for homes without a high replacement cost
Allstate: Best for customizable coverage
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A- |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $79/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $101/mo |
Allstate offers a big selection of home insurance endorsements, ideal for Pennsylvania homeowners who want to customize their coverage. You can add coverage for water backup, scheduled personal property, yard and garden materials, sports equipment, musical instruments, business property, and more.
Allstate also offers green improvement reimbursement, which pays extra to replace damaged or destroyed items with more energy-efficient ones.
Many available add-ons
Claim RateGuard feature prevents your rate from increasing after a claim
Can reduce your deductible by up to $500 for staying claims-free
Below-average J.D. Power customer satisfaction rating
Low J.D. Power claims satisfaction score
More complaints than expected
Farmers: Best for discounts
discounts
Farmers
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $122/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $207/mo |
Farmers customers can take advantage of 14 different home insurance discounts, which could significantly reduce premiums.
You can earn a discount for paying in full, bundling your policies, having no recent claims, installing a smart home system or protective devices, insuring a new home, having UL-approved roofing materials, and more. Farmers also offers an affinity discount to members of the military (including veterans) and homeowners in qualifying professions.
Many available discounts
Several available add-ons, including a deductible waiver for glass claims
In-person agents throughout Pennsylvania
Lower policy bundling discount than some competitors
Poor J.D. Power customer satisfaction score
Below-average J.D. Power claims satisfaction rating
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Pennsylvania to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Pennsylvania
The cheapest home insurance company in Pennsylvania is Westfield, with an average monthly premium of $53 for a policy with $300,000 in dwelling coverage.
Below, you can see which home insurers in Pennsylvania offer the most affordable rates.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Westfield | $636 |
| Allstate | $948 |
| Travelers | $960 |
| USAA | $1,092 |
| Foremost | $1,116 |
| State Farm | $1,296 |
| Erie | $1,332 |
| Encompass | $1,416 |
| Farmers | $1,464 |
| Nationwide | $1,596 |
| Chubb | $1,608 |
Find Cheap Home Insurance in Pennsylvania
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How much does homeowners insurance cost in Pennsylvania?
The average cost of home insurance in Pennsylvania is $99 per month for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. Pennsylvania homeowners typically pay less than the U.S. national average of $212 per month for the same coverage.
The actual cost of home insurance in the Keystone State is different for every homeowner. Some factors that affect Pennsylvania home insurance rates include:[3]
Replacement cost value of the home
Types of construction materials used
Proximity to a fire station
Home age and condition
Claims history
Coverage type and limits
Deductibles
Cheapest home insurance companies in Pennsylvania by dwelling coverage
Dwelling coverage is the portion of your policy that pays to repair the physical structure of your house if it gets damaged or destroyed in a covered loss. The higher your dwelling limit is, the higher your premium will be.
The following table shows the average premiums by insurance company for various dwelling coverage amounts.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $549 |
| Travelers | $643 |
| Foremost | $725 |
| Allstate | $760 |
| USAA | $841 |
| Erie | $853 |
| State Farm | $958 |
| Farmers | $993 |
| Encompass | $1,028 |
| Nationwide | $1,028 |
| Chubb | $1,075 |
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Monthly Premium |
|---|---|
| Westfield | $619 |
| Allstate | $923 |
| Travelers | $935 |
| USAA | $1,063 |
| Foremost | $1,087 |
| State Farm | $1,262 |
| Erie | $1,297 |
| Encompass | $1,379 |
| Farmers | $1,426 |
| Nationwide | $1,554 |
| Chubb | $1,566 |
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $841 |
| Allstate | $1,180 |
| USAA | $1,449 |
| Travelers | $1,554 |
| Foremost | $1,718 |
| Erie | $1,835 |
| State Farm | $1,858 |
| Encompass | $1,987 |
| Nationwide | $2,010 |
| Chubb | $2,407 |
| Farmers | $2,419 |
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Insurance Company | Average Annual Premium |
|---|---|
| Westfield | $1,204 |
| Allstate | $1,461 |
| USAA | $1,905 |
| Foremost | $2,150 |
| Travelers | $2,279 |
| State Farm | $2,559 |
| Erie | $2,676 |
| Encompass | $2,700 |
| Chubb | $3,471 |
| Farmers | $3,483 |
| Nationwide | $3,892 |
Pennsylvania homeowners insurance cost by city
Pennsylvania home insurance premiums can vary by city and ZIP code. Location-specific factors like property crime rates, flooding history, and the likelihood of severe winter storms can impact rates in a specific region. Premiums may also be higher in areas where homeowners file claims more frequently.
Below, you can see the average annual home insurance premiums for different Pennsylvania cities.
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Harrisburg | $1,092 |
| Lancaster | $1,092 |
| York | $1,104 |
| Reading | $1,128 |
| Allentown | $1,164 |
| Pittsburgh | $1,164 |
| Scranton | $1,200 |
| Philadelphia | $1,488 |
What homeowners should know about insurance in Pennsylvania
Pennsylvania homeowners face unique risks and severe weather, which can affect their home insurance coverage needs. Here are some potential risks that are important to consider and whether a standard home insurance policy will cover them.
Flooding
Flooding is the most common natural disaster in Pennsylvania. Each year, floods cause more than $1 billion worth of property damage in the state.[4]
Standard home insurance policies don’t cover flood damage. If you want to protect your home and personal belongings against flooding, you’ll need additional coverage. You can purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private flood insurer.
Winter storms
Between 1980 and 2024, Pennsylvania saw 20 winter storm events and one freeze event that caused more than $1 billion in damage.[5]
A standard home insurance policy will cover the cost of repairing the structure of your home if it’s damaged from the weight of snow, sleet, or ice. So, for example, if the roof collapses under 30 inches of snow, your home insurance would pay to repair or replace the roof.
Wildfires
Wildfires can occur in Pennsylvania, especially during spring and fall.[6]
If your home is damaged or destroyed in a wildfire, your homeowners insurance policy will pay to repair or rebuild it, up to your policy’s limit. The additional living expenses portion of your policy will also cover temporary living costs, like a hotel and restaurant meals, if you have to relocate while your home is being repaired after a fire.
How much homeowners insurance do you need in Pennsylvania?
Homeowners insurance isn’t a legal requirement in Pennsylvania, but many mortgage companies require home insurance if you have a loan. Before you purchase a policy, it’s important to understand exactly what your home insurance covers and how much it covers.
Ideally, you should choose a dwelling insurance limit that’s at least 80% of the replacement cost value of your house. To set a personal property coverage limit, it’s a good idea to make a home inventory to find the total value of all the items you own.[7]
For personal liability insurance, pick a coverage limit based on the value of your personal assets, like money in retirement accounts, that could be at risk in a third-party lawsuit. Most policies also include a small amount of medical payments coverage, which can pay for a guest’s injuries if they get hurt on your property.
Your loss of use coverage limit should be enough to pay for temporary living expenses if your home becomes uninhabitable and you have to relocate while repairs are made.
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How to contact the Pennsylvania Insurance Department
The Pennsylvania Insurance Department regulates the state’s insurance marketplace. Its job is to protect consumers and help them with their insurance needs. Through the Pennsylvania Insurance Department, you can report insurance fraud, find insurance agents, and access resources for different insurance lines.
To get in touch with the Pennsylvania Insurance Department, use this contact information:
Phone number: 1 (877) 881-6388
Email address: [email protected]
Pennsylvania homeowners insurance FAQs
Every Pennsylvania homeowner can benefit from a comprehensive home insurance policy. If you still have questions about getting home insurance in the Keystone State, here’s some additional information that might be helpful.
How much is home insurance in Pennsylvania?
The average annual home insurance premium in Pennsylvania is $1,188 per year for a policy with $300,000 in dwelling coverage, Insurify data shows. But rates depend on several factors, like your location, the age and condition of your home, and your chosen coverage limits.
Which company has the cheapest homeowners insurance in Pennsylvania?
Westfield has the cheapest homeowners insurance in Pennsylvania, according to Insurify rate data, with an average home insurance premium of $53 per month for $300,000 in dwelling coverage.
Does Pennsylvania require homeowners insurance?
No. Pennsylvania law doesn’t require homeowners insurance. But if you have a mortgage on your house, your lender will likely require home insurance as a condition of your loan.
How can you lower your home insurance premiums in Pennsylvania?
To lower your home insurance premium in Pennsylvania, you can raise your deductible, bundle your home and auto insurance policies, or install protective devices, like fire alarms and a security system. Shopping around and comparing quotes from different insurers can also help you find the cheapest coverage for your situation.
How much is insurance on a $300,000 house?
The cost of home insurance on a $300,000 house depends on many things, like the age of the property and the location. For example, insuring a 100-year-old home worth $300,000 in Pittsburgh could be more or less expensive than insuring a 10-year-old home worth $300,000 in Allentown. In Pennsylvania, the average annual rate for $300,000 in dwelling coverage is $1,188.
What factors affect homeowners insurance rates in Pennsylvania?
Pennsylvania homeowners insurance premiums depend on a variety of factors, like the size and condition of the home, the type of building materials used, and the proximity to a fire station. Rates also depend on your coverage types and limits, credit and claims history, and deductibles.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Commonwealth of Pennsylvania. "Possible Hazards."
- J.D. Power. "Homeowners Insurance Premium Increases Threaten Customer Loyalty, Long-Term Profitability, J.D. Power Finds."
- Pennsylvania Insurance Department. "Homeowners Insurance Guide."
- Chester County Pennsylvania. "Real-time Notification of Flood Levels."
- National Centers for Environmental Information. "Pennsylvania Summary."
- Commonwealth of Pennsylvania. "Wildfire."
- Insurance Information Institute. "How much homeowners insurance do I need?."
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Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
)
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Featured in
)
)