According to 2021 rates, the average cost of homeowners insurance in Pennsylvania is $864 per year and $72 per month. Pennsylvania homeowners insurance rates are $534 per year less then the national average and about 38% less annually. When compared to the other US states that makes the cost of homeowners insurance in Pennsylvania the 42nd most expensive in the country, based on 2021 data.

For shoppers, the best way to find a homeowners insurance policy in Pennsylvania is to evaluate all of the quotes from individual insurance providers and then decide on the policy that fits your requirements and budget level. Fortunately finding the right homeowners insurance coverage is easy with a tool like Insurify.

Insurify provides easy and fast home insurance quote comparisons for all kinds of homeowners nationwide. Insurify has helped thousands of customers receive accurate homeowners quotes for your property in Pennsylvania in minutes.

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.

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.

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:

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.

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!

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.