Best and cheapest homeowners insurance in Pennsylvania for 2024

Erie Insurance, State Farm, Nationwide, Farmers, and Allstate provide the best home insurance policies in Pennsylvania, based on the carriers analyzed by Insurance.com. Allstate offers the cheapest home insurance in Pennsylvania at $1,180 per year.

Leslie Kasperowicz is an insurance expert with four years of direct agency experience and over a decade of creating educational content to help insurance shoppers make confident, informed decisions.

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

At Insurance.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Erie Insurance is the best home insurance company in Pennsylvania homeowners, with an overall rating of 4.83. 

Allstate offers the cheapest home insurance in Pennsylvania at $1,180 per year, for $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible.  

With so many options out there, it is not easy to choose a homeowners insurance company in Pennsylvania. You need a reliable company that will provide you with quality service at an affordable price. Below we’ll tell you what you need to know.

Key takeaways

Best homeowners insurance companies in Pennsylvania: Erie Insurance

The best home insurance company in Pennsylvania for 2024 is Erie Insurance. State Farm, Nationwide, Farmers, and Allstate are among the top home insurance companies in Pennsylvania based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Cheapest home insurance companies in Pennsylvania: Allstate

Below are Pennsylvania home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, Allstate has the most affordable rates for all coverage levels except $200,000 dwelling.

*USAA only provides coverage to military members, veterans, and their families.

Average home insurance cost in Pennsylvania

The average cost of homeowners insurance in Pennsylvania is $1,911 a year or $159 a month. This is based on coverage of:

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Pennsylvania homeowners insurance companies to get the best deal. 

Pennsylvania home insurance rates by ZIP code

Home insurance rates vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Pennsylvania to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.

Home insurance calculator

Most & least expensive ZIP codes for homeowners insurance in Texas

The most expensive ZIP codes in Pennsylvania for home insurance 

Pennsylvania homeowners insurance rates are the most expensive for ZIP code 19141, with an average annual cost of $3,170.

The most expensive ZIP codes in Pennsylvania are:

The least expensive ZIP codes in Pennsylvania for home insurance

The cheapest ZIP codes for home insurance in Pennsylvania are:

Compare homeowners insurance rates by city in Pennsylvania Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Pennsylvania.CityAnnual insurance premiumLancaster $1,391Nanticoke $1,300Philadelphia $2,082West Mifflin $1,512York $1,273 Data updated in 2024

Compare homeowners insurance rates by city in Pennsylvania

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Pennsylvania.

Home insurance FAQs

Does Pennsylvania homeowners insurance cover floods?

Home insurance does not cover you if a flood damages your home. Instead, you need to buy a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a home insurer that works with the NFIP.

How do I file a homeowners insurance complaint in Pennsylvania?

If you have a dispute that you cannot resolve, you can file a complaint with the Pennsylvania Insurance Department. You will need to register at the PID website before you can file a formal complaint.

If you prefer, you can download a complaint form and send it in by mail to:

Pennsylvania Insurance Department

1209 Strawberry Square

Harrisburg, PA 17120

What if I can’t get home insurance in Pennsylvania?

Pennsylvania’s Fair Plan guarantees the availability of basic fire insurance coverage for your home. To learn more, visit the Fair Plan website or call 1-800-462-4972.

Is home insurance required in Pennsylvania?

Like other U.S. states, Pennsylvania does not require home insurance. However, if the home is financed through a lender, the lender will require home insurance coverage.

Compare Pennsylvania homeowners insurance rates with other states

You may also like to explore

950 Tower Ln, Suite 600, Foster City 94404

Quick links

Insurance products

Company

Insurance.com is not affiliated with any state or government agency.

Copyright © 2024 Insurance.com. All Rights Reserved.

Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (“Sponsors”). Compensation may impact where the Sponsors appear on this website (including the order in which they appear). Our websites do not, and are not intended to, provide a comprehensive list of all companies that may provide the products and services you are seeking. 950 Tower Ln, Suite 600, Foster City 94404