Best Pittsburgh Homeowners Insurance Quotes (2025)
Allstate, Westfield, and Erie offer the best homeowners insurance policies in Pittsburgh.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The average cost of homeowners insurance in Pittsburgh is $1,214 per year for a $300,000 policy with a $1,000 deductible, according to Insurify data. Compared to other populous Pennsylvania cities like Philadelphia, Pittsburgh has lower homeowners insurance rates.
While you may be able to enjoy lower rates depending on where you’re located, you might consider adding flood insurance to help protect your home from a range of events.
Here’s what you need to know about finding the best home insurance in Pittsburgh.
Quick Facts
Cumberland Insurance Group offers the cheapest homeowners insurance in Pittsburgh.
A $300,000 policy with a $500 deductible costs $1,265 per year in Pittsburgh.
Pittsburgh homeowners pay more for insurance than Lancaster and York homeowners.
Best home insurance companies in Pittsburgh
If you’re looking for homeowners insurance in Pittsburgh, you have many solid options to choose from. The best insurance company for you will depend on what you’re looking for and whether you’re eligible for potential discounts, the average rate, and customer service scores.
To help you get started, here are some great home insurers in Pittsburgh.
Best company for new homeowners: Allstate
AllstateCompare personalized, real-time quotes
| 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 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $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. | $188/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. | $282/mo |
New homeowners can benefit from Allstate’s low rates and take advantage of a homebuyer discount if they recently bought a home or a newly constructed property. The number of homes sold in Pittsburgh increased by almost 8% from February to March 2025, according to Rocket Mortgage. So, for new homebuyers, Allstate can be a good option to consider.
Pros
Affordable rates
Discount of up to 25% when bundling home and auto policies
Cons
Low Trustpilot rating
Below-average J.D. Power customer satisfaction rating
Best company for optional coverage: Westfield
optional coverage
Westfield
Compare personalized, real-time quotes
| 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. | NR |
|---|---|
| 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). | NR |
| $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. | $127/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. | $160/mo |
Westfield has competitive rates for homeowners insurance in Pittsburgh and offers a wide variety of coverage options. In addition to offering the typical dwelling coverage, personal property, and personal liability coverage, the company offers equipment breakdown coverage, identity theft coverage, umbrella insurance, and more.
Pros
Service line coverage available
Insurance policy packages available
Cons
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Not the cheapest option for lower-value homes
Best company for flood insurance: Erie
Erie InsuranceCompare personalized, real-time quotes
| 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 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 674 |
| $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. | $251/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. | $380/mo |
Parts of Pittsburgh could be at risk of flooding. Unfortunately, standard homeowners insurance doesn’t cover floods. Erie Insurance offers competitive home insurance rates and flood insurance. You can also work with a local agent to get support when buying insurance.
Pros
Generous multi-policy discounts
Top J.D. Power customer satisfaction rating
Cons
Low Trustpilot rating
Quotes not available online
Our editorial team analyzed regional and national home insurance companies that sell policies in Pittsburgh 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 companies in Pittsburgh
The cheapest homeowners insurance in Pittsburgh comes from Cumberland Insurance Group, with average annual premiums as low as $498. Below, you can check out other home insurance companies offering affordable policies.
Insurance Company  | Average Annual Premium |
|---|---|
| Cumberland Insurance Group | $498 |
| Allstate | $581 |
| American National P&C | $777 |
| Westfield | $781 |
| Erie | $791 |
| Donegal Mutual Insurance | $985 |
| Travelers | $1,224 |
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How much is home insurance in Pittsburgh?
The average cost of homeowners insurance in Pittsburgh is $1,214 for a $300,000 policy and a $1,000 deductible. If you choose a $500 deductible, the annual average is $1,265.
Many factors affect your insurance premiums, such as the age of your home, its building materials, location, proximity to fire and protective services, type of coverage, and your deductible.[1] All these factors may elevate certain risks to your home and increase the cost of home insurance.
Cost of home insurance by dwelling coverage in Pennsylvania
Your home is a valuable asset, and your home insurance policy helps protect its structure through dwelling coverage. So, if anything happens to your home, your dwelling coverage can help pay for any covered claims. As coverage limits increase, so do average annual premiums.
The table below shows the average annual premiums in Pennsylvania by dwelling coverage amount.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $661 |
| $200,000 | $1,007 |
| $300,000 | $1,372 |
| $400,000 | $1,695 |
| $500,000 | $2,058 |
Cost of homeowners insurance by deductible amount
Your home insurance helps cover the cost of repairing any home damage. But before you can access your insurance benefits, you’re responsible for a deductible. A deductible is generally a flat rate, such as $500 or $1,000, that you must pay in the event of a claim before your insurance kicks in.
A high deductible can save you money and lower your insurance premiums because you’re paying more up front. On the other hand, a lower deductible can hike up your premiums.
Here’s how your deductible affects your annual rate in Pittsburgh.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $1,265 |
| $1,000 | $1,214 |
Average cost of home insurance in other cities in Pennsylvania
The average cost of homeowners insurance across Pennsylvania varies by city. It can even vary by ZIP code within the same city. Insurance companies evaluate several risk factors when calculating premiums, which can vary widely by city. For example, Philadelphia has higher crime rates, which increase home insurance costs.
City | Average Annual Premium |
|---|---|
| Bensalem | $1,676 |
| Coatesville | $1,332 |
| Erie | $1,263 |
| Greensburg | $1,230 |
| Lancaster | $1,148 |
| Lansdale | $1,365 |
| Philadelphia | $2,026 |
| Pittsburgh | $1,214 |
| West Chester | $1,304 |
| York | $1,162 |
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What to know about owning a home in Pittsburgh
If you’re a Pittsburgh homeowner, here are some things to keep in mind:
Home values
The average home value in Pittsburgh is up almost 3% from last year, clocking in at $225,618.[2] If you own a home in Pittsburgh, make sure that you have sufficient home insurance as values rise. Increases in home values could mean you need higher coverage limits. In turn, you may have higher premiums.
Floods
It’s also important to be aware of your potential flood risk. Some areas of Pittsburgh may be prone to flooding, and a standard homeowners insurance policy doesn’t cover floods. To help protect your home, you’ll need to buy a separate flood insurance policy.[3] To get started, you can do research through the National Flood Insurance Program.
Wildfires
In certain conditions, Pittsburgh may also have wildfire risks. The good news is that a standard homeowners insurance policy covers fire damage. But if you live in an area prone to wildfires, you may need to buy supplemental coverage for wildfire damage.
If you’re looking for coverage as a homeowner, you can consider lowering costs by bundling insurance policies, such as auto and home or auto and renters.
Pittsburgh home insurance FAQs
If you’re searching for affordable homeowners insurance in Pittsburgh, check out answers to these common questions.
The average monthly cost of homeowners insurance in Pittsburgh is $101, or $1,214 per year, according to Insurify data. This is the average rate for a $300,000 policy with a $1,000 deductible.
Cumberland Insurance Group has the cheapest homeowners insurance in Pittsburgh, with an average annual premium of $498. But which company is the most affordable for you depends on your insurance coverage and any discounts you qualify for.
No. A standard homeowners policy doesn’t cover floods. You must purchase a separate flood insurance policy to help cover flood damage. You can find flood insurance policies through the National Flood Insurance Program.
The 80% rule in homeowners insurance states that homeowners should insure their homes for a minimum of 80% of their replacement cost. If you don’t meet this minimum, your insurance company may not pay the full claim.
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.
Sources
- Department of Financial Services. "Homeowners Insurance: Understanding What Affects the Cost of Insurance."
- Zillow. "Pittsburgh, PA Housing Market: 2025 Home Prices & Trends."
- Insurance Department. "Flood Insurance."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.