Best and Cheapest Home Insurance in Pennsylvania (2021)

Browse. Compare. Discover. Let Insurify find the best home insurance deals for you in The Keystone State.

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Introduction

There are so many reasons to call the Keystone State home. Friendly people, sports rivalries, Punxsutawney Phil, Amish country… What more could you need? Home to the nation’s original capital, Pennsylvania’s rich history is visible everywhere, from the Liberty Bell to the birthplace of the American Constitution. But with the increased frequency of weather disasters like blizzards and windstorms, it’s more important than ever for Pennsylvania homeowners’ to protect their property investments with proper home insurance. Everyone can agree that sufficient home insurance is important, but how can Pennsylvanians find the best homeowners insurance for their house, area, and lifestyle? 

With so many headache-inducing radio and television ads, shopping for home insurance can be a nightmare. Enter Insurify, where comparing homeowners insurance is made easy. Compare dozens of quotes in seconds, all on one easy-to-use, secure platform.

How to Get Affordable Home Insurance in Pennsylvania

Purchasing a home will be one of the largest financial investments of your lifetime. With that investment, inevitably, comes risk. However, there are steps homeowners can take to minimize risk and protect their investment, including finding the right Pennsylvania home insurance policy.

The first step to protecting your property is homeowners insurance. Though not required by law, home insurance provides financial liability for your property and belongings from natural disasters or theft. Different coverage levels are available for different property types, locations, and other factors. 

For a number of reasons, a similar homeowners insurance policy may cost more in Philadelphia than it does in Pittsburgh. So, it’s always important to comparison-shop before committing to a single company. 

Homeowners insurance rates aren’t designed with savings in mind. That’s where Insurify comes in.

Homeowners Insurance Quotes in Pennsylvania by Company

For many reasons, different companies assess your risk differently. That’s why you get a range of quotes when you conduct comparison shopping-- and why we recommend comparison shopping every time you need insurance. 

The following quotes are general estimates of annual home insurance premiums throughout Pennsylvania, insurance companies offer different coverage levels and some even offer bundling options for your home and auto insurance.  Keep in mind that pricing changes depending on coverage levels and home insurance discounts. Rates Coverage options and discounts vary from company to company. Many factors affect your home insurance premiums, so keep in mind, the cheapest option in Lancaster may be different than State College.

Average Annual Homeowners Insurance Premium in Pennsylvania by Company

Average prices for standard homeowners insurance for a 7-15 year old home, $200,000 in coverage

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Home Insurance Rates in Pennsylvania by City

As of 2021, the average home insurance premium in Pennsylvania costs $1,184 annually—far less than the national average. The median Pennsylvania home is valued at $198,377.

Home insurance rates throughout Pennsylvania can be high or low compared to the state average—it all depends on where you live. Local factors that affect how an insurance company assesses your risk include:

  • Crime rates
  • Weather patterns
  • Distance to bodies of water
  • Claim rates

Here are the most and least expensive ZIP codes in Pennsylvania to buy and insure a home. The average cost of homeowners insurance within these townships tend to increase relative to property cost. In blizzard or flood-prone areas, rates are often higher.

CityMedian Home Price
West Chester$389,900
State College$303,055
Pittsburgh$164,317
Oil City$38,762
Reading$64,200
Erie$76,671

What Does Home Insurance Cover in Pennsylvania?

There are several types of home insurance. Specific terms of insurance policies may vary by state, but in general, the standard policy types are as follows:

HO-1: Basic
HO-2: Broad Form
HO-3: Special Form
HO-4: Tenant’s Form
HO-5: Comprehensive
HO-6: Condo Form
HO-7: Mobile Home Form
HO-8: Older Home

For more detailed Pennsylvania city level guides, check out these below.

Risk Associated with Pennsylvania Homeowners Insurance

Natural disasters and extreme weather are no stranger to Pittsburgh residents. Severe winter storms, tornadoes, drought, windstorms, landslides, and rare earthquakes plague the city from time to time. Extreme snow, rain, and flooding seem to be the worst weather-related events to disrupt Pittsburgh's day-to-day. Let's also not forget a high crime rate, which can impact insurance premiums as well. 

Severe Storms & Flooding

In August 2011, Hurricane Irene, which caused $14.2 billion in damages, was responsible for killing five Pennsylvania residents. Two weeks later, Tropical Storm Lee killed seven more in Pennsylvania alone. Blizzards sweep through as well, often closing schools and businesses in the city of Pittsburgh. These events wreak havoc on homes, causing damage and flooding. Pittsburgh sees more days of rain and snow than Seattle, Washington.

While flood insurance is not included with a standard homeowners insurance policy, there is additional coverage available. Check with your local agent about the National Flood Insurance Program, a government program for flood policies. 

Crime

Crime is another aspect that adversely affects home insurance premiums. The crime rate in Pittsburgh is 37 per 1,000 residents. This rating is higher compared to all community sizes in America. And your chance of becoming a victim of property crime or violent crime is one in 27. It's crucial that you protect your home and family against crime, too. While the crime rate will differ from neighborhood to neighborhood, check with your local agent for added protection against vandalism, theft, or personal liability. It could be as easy as installing a home security system for lower rates on your Pittsburgh home insurance annual premium.

Best Homeowners Insurance for Bundling in Pittsburgh

Bundling could help you save on your homeowners insurance premiums. It's easy to bundle home and auto insurance, as most insurance companies, like Allstate, Erie, Nationwide, and State Farm, offer bundling right on their website front pages. If you do not see a disclaimer for bundled insurance products, ask your insurance agent about it when you purchase.

There is a best home insurance carrier for anyone. Let's say you're stuck between Erie Insurance and a competitor; you can use Insurify, the best way to compare home insurance, based on the coverage options you need. It's that easy!

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Special Home Insurance Situations in Pennsylvania

Unique elements of your home may affect homeowners insurance prices. Check out these quotes for some special situations that may impact your home insurance in Pennsylvania.

Cheapest Home Insurance for Houses Near Fire Department in Pennsylvania

If your home is within a certain distance from a fire department or fire hydrant your rates may decrease. The same applies for the opposite. If your home is far from fire safety, you may pay more for homeowners insurance.

Insurance CompanyAverage Annual Premium
Cumberland$457
Encompass$1,271
Nationwide$796
Westfield$505

Cheapest Home Insurance for Houses Less Than 20 Years Old in Pennsylvania

The age of your home and its major systems may affect the policy rate you're quoted by insurance companies

Insurance CompanyAverage Annual Premium
Donegal$532
Travelers$1,290
USAA$765
Penn National$715

We've found the key to finding cheap homeowners insurance in the Keystone State.

How to Find the Cheapest Home Insurance in Pennsylvania

Just like groceries or clothes shopping, you can find a good bargain on home insurance. Living expenses can push you over the edge of your monthly budget- don’t let your home insurance cost be the problem. Protect your property investment, personal belongings, and family with proper home insurance coverage. Protecting your home and family from vandalism, personal liability, and natural disasters don’t have to break the bank. With a little research and the right tools, you’ll be on your way to big savings.

Use Insurify to find the best home insurance providers for your property in Pennsylvania.

Pennsylvania Homeowners Insurance FAQ

How can I find cheap home insurance in Pennsylvania?

Always comparison shop before committing to a policy. There are ways to cut your insurance costs, like bundling policies, increasing your deductible, and doing some home improvements. If you live in an area more prone to extreme weather, we have some tips for lowering your rates:

Install storm-safe windows and doors

Upgrade your roof 

Use Insurify to compare premiums in your area.

Does USAA insure homes in Pennsylvania?

Yes, USAA insures homes in Pennsylvania. However, policyholders must be active military members, veterans, or the family members of those in the armed forces.

How long does a home insurance claim take in Pennsylvania?

Short answer: it depends. Of course, in times of crisis, like hurricanes or flooding, many of your neighbors will also be filing claims with their insurance companies, crowding the systems, and slowing down the claims process. The amount of time it takes to file a claim in Pennsylvania will vary from case to case. To find the best home insurance companies in your area, use insurify to compare reviews and quotes.