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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best homeowners insurance in Pennsylvania for May 2024

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity, this post may contain references to products from our partners. Here’s an explanation of  how we make money. Our content is backed by Coverage.com  LLC, a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

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Pennsylvania property owners pay a fairly low average rate for home insurance, possibly because the state is not prone to the direct impacts of landfalling hurricanes like its neighboring East Coast states. Residents pay an average of $1,144 per year for $300,000 in dwelling coverage, an impressive 47 percent less than the national average of $2,153.

Bankrate's insurance editorial team, which includes licensed insurance agents, conducted an in-depth review of the insurance industry in Pennsylvania to narrow down the top homeowners carriers. We looked at average premium data from Quadrant Information Services, coverage options, available discounts, financial strength ratings and other metrics to help you find the coverage you need at a rate that fits your budget.

Based on our assessment, homeowners looking for the best home insurance companies in Pennsylvania may want to start with quotes from:

Average cost of home insurance in Pennsylvania:

Based on our assessment, homeowners looking for the cheap home insurance companies in Pennsylvania may want to get quotes from:

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Compare the best homeowners insurance companies in Pennsylvania

To see how the largest home insurance companies by market share in Pennsylvania stack up, we obtained current premium information from Quadrant Information Services. We also analyzed each provider’s J.D. Power score, AM Best financial strength rating, available coverage, discounts and policy features. Pennsylvania homeowners pay an average of $1,144 for $300,000 of dwelling coverage, which is well below the national average of $2,153.

Based on our findings, USAA, Erie, Allstate, Farmers and Pennsylvania National Mutual offer some of the best homeowners insurance in Pennsylvania.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

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The top 5 home insurance companies in Pennsylvania

Best for military-focused coverage

4.7

4.7

Avg. premium for $300K dwelling

$66/mo

Avg. premium for $300K dwelling

$797/yr

Customer satisfaction

881/1,000

Why USAA made our list: USAA scored the highest in the 2023 J.D. Power Home Insurance Study, although it is technically not eligible for ranking due to its membership-based policies. Only active or former military members and their families have access to USAA’s insurance policies and exclusive benefits. The company's average Pennsylvania rates are well below the state average, and policyholders may save even more with potential discounts for protective devices and insuring your home with the carrier for three continuous years. USAA has the highest rating possible from AM Best and includes replacement cost coverage in all policies. These factors and more contributed to USAA's tie for Best Home Insurance Company Overall in the 2024 Bankrate Awards.

Who USAA may be good for: Active-duty military members and eligible families stationed at Carlisle Barracks, Tobyhanna, or any of the other Army or Navy bases in Pennsylvania may qualify for USAA coverage and appreciate the carrier's military-focused coverage options, like uniform coverage.

CheckmarkPros

Close XCons

USAA’s standard home insurance policies come with many added perks already included, like up to $5,000 of identity theft coverage. With USAA, active- and reserve-duty military members can insure their uniforms and gear without a deductible, and all other items are automatically insured at replacement cost value.

You can modify your home insurance policy with the following endorsements:

Best for local offices

4.4

4.4

Avg. premium for $300K dwelling

$63/mo

Avg. premium for $300K dwelling

$756/yr

Customer satisfaction

856/1,000

Why Erie made our list: Because Erie is a Pennsylvania-based regional insurer, its agents may be more familiar with the needs of homeowners in the state than larger carriers. Founded in 1925, Erie currently has offices in eight Pennsylvania cities, including Pittsburgh, Philadelphia, Allentown and Harrisburg. The company maintains an A+ (Superior) financial strength rating from AM Best, indicating its sound financial position. While Erie did score below average in the 2023 J.D. Power Insurance Digital Experience Study “service” category, which could be due to customer complaints regarding the company’s mobile app, it earned the top spot in the 2023 Home Insurance Study and the company has a high Bankrate Score.

Who Erie might be good for: If you would rather do your insurance business with a live agent than a mobile app or website, you may want to get a quote from Erie. The company's agents may have extensive feet-on-the-ground knowledge of the needs of Pennsylvania residents.

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Erie’s base home insurance is already very robust. With Erie, your home is insured at guaranteed replacement cost value, and pets are covered up to $500. Here’s what else you can add to your policy:

Best for unique endorsements

4.2

4.2

Avg. premium for $300K dwelling

$63/mo

Avg. premium for $300K dwelling

$750/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate tied with USAA in the 2024 Bankrate Awards for Best Home Insurance Company Overall. Its average rates are some of the lowest of any company on our list, and it has a superior financial strength rating with AM Best. Allstate may appeal to homeowners looking for unique coverage options, as many of the carrier's endorsements are not found with other companies. These include yard and garden coverage, electronic data recovery, musical instrument coverage, sports equipment coverage and green improvement reimbursement, which allows you to replace damaged or destroyed items with more energy-efficient options. The company does, however, score slightly below average for customer satisfaction with J.D. Power.

Who Allstate may be good for: Allstate may be a great company for homeowners who want to build a robust policy without breaking the bank.

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On top of the home insurance endorsements we listed above, Pennsylvania Allstate customers can add the following to their insurance policies:

Best for prepackaged coverage options

3.6

3.6

Avg. premium for $300K dwelling

$127/mo

Avg. premium for $300K dwelling

$1,526/yr

Customer satisfaction

800/1,000

Why Farmers made our list: If you’re looking to bypass the guesswork and choose a pre-packaged policy, Farmers could be a good choice for your home. With the Farmers Smart Plan, homeowners can choose from three different tiers of coverage. The Standard package may be a good choice for young homeowners looking for inexpensive, basic coverage, while Enhanced and Premier packages offer more policy options to those who want additional coverage and aren't as concerned with saving money. The Farmers Flex Personal Home program offers additional optional coverage types, such as extended replacement cost and emergency mortgage assistance.

Who Farmers may be good for: Farmers' packaged coverage options may be appealing to shoppers who are new to the insurance world or are looking for a simplified shopping experience.

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If you elect the Farmers Flex Personal Home plan, you modify your coverage with the following endorsements:

Best for regional coverage options

Avg. premium for $300K dwelling

$70/mo

Avg. premium for $300K dwelling

$834/yr

Customer satisfaction

Not rated

Why Pennsylvania National Mutual made our list: Penn National is a regional company based in Harrisburg that sells policies in 11 states through a network of more than 1,200 independent agents. As a Pennsylvania-based company, their coverage options are geared toward the state's homeowners. For a smaller carrier, Penn National still has a fairly robust list of endorsements, including water backup and sump pump overflow, identity theft and valuable articles coverage. As a regional carrier with a smaller market share, Penn National is not scored by J.D. Power, so you may want to speak with existing policyholders about their experience.

Who Pennsylvania National Mutual may be good for: Pennsylvania homeowners who want to work with a smaller company may find Penn National appealing. The company's average rates were also some of the lowest of the companies we analyzed.

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Pennsylvania National Mutual offers a unique endorsement bundle it dubs the PennPac. It includes the following coverage options:

Additional Pennsylvania home insurance companies to consider

Cumberland Mutual Fire Insurance Co.

Who this may be best for

Homeowners who want cheap policies

Our rate data from Quadrant Information Services shows that, on average, home insurance policies from Cumberland Mutual cost $628 per year for $300,000 in dwelling coverage. Along with low rates, Cumberland Mutual boasts an A- (Excellent) rating from AM Best and a low complaint index from the NAIC. However, Cumberland Mutual does not offer much room for customization, and it may be better suited for homeowners looking for cheap, no-frills policies. 

Donegal

Who this may be best for

Homeowners looking for straightforward policies

Donegal’s policies fall on the simpler end of the spectrum. Homeowners looking for straightforward policies may be attracted to Donegal’s short list of endorsements, which include extended coverage limits, replacement cost coverage, identity fraud coverage and scheduled personal property coverage. Donegal exclusively writes policies for homes in the mid-Atlantic region, and its team of licensed local agents may be able to offer state-specific insurance insights.

Encompass

Who this may be best for

Homeowners wanting to bundle

With the EncompassOne plan, customers can bundle their home and auto policies together and pay a single premium and deductible. EncompassOne is available in three tiers, elite, deluxe and special, all of which offer varying coverage levels and features. That said, Encompass policies tend to be on the pricey side, averaging at $1,268 per year for $300,000 in dwelling coverage.

See if Encompass fits your needs.

How Bankrate chose the best home insurance companies in Pennsylvania

Bankrate's insurance editorial team started our search for the best home insurance companies in Pennsylvania by developing a metric to score companies. Bankrate’s insurance experts analyzed dozens of home insurance carriers based on average rate data, policy options, discounts, online accessibility and more. We also collected information on insurers’ customer service scores from J.D. Power and financial strength ratings from AM Best.

To summarize our findings, we developed our proprietary Bankrate Score. Carriers are rated on a 5-point scale based on their performance in the key categories listed above. Home insurance companies that performed well in these categories earned a higher overall Bankrate Score. You may be able to use these Scores to quickly analyze carriers and narrow down which ones you might want to request quotes from.

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Cheapest home insurance companies in Pennsylvania

Some of our picks for the best home insurance in Pennsylvania are also some of the cheapest. Depending on the company you choose and the discounts you are eligible for, you may find major savings with some of the following Pennsylvania home insurance companies:

To hone in on the best cheap home insurance in Pennsylvania, we started by looking into rate data from Quadrant Information Services. From there, we analyzed rates for some of the largest insurers by market share in Pennsylvania and selected the five companies that offered the lowest rates on average for $300,000 in dwelling coverage.

To hone in on the best cheap home insurance in Pennsylvania, we started by looking into rate data from Quadrant Information Services. From there, we analyzed rates for some of the largest insurers by market share in Pennsylvania and selected the five companies that offered the lowest rates on average for $300,000 in dwelling coverage.

How to get cheap home insurance in Pennsylvania

Finding the best Pennsylvania homeowners insurance likely depends on your unique circumstances, budget and coverage needs. Here are a few tactics you might use to find the best Pennsylvania home insurance:

Best home insurance discounts in Pennsylvania

In addition to bundling your home and auto insurance, there are other common discounts that may be available for further policy savings. Here are a few you may see in Pennsylvania:

How to save on home insurance policy renewals in Pennsylvania

Policy renewal — which typically takes place once a year — provides a great opportunity to shop around and potentially save on coverage. Before your next renewal, there are things you can do to improve your chances of getting a lower premium rate. Here are some things you can do that might reduce your rate:

How much is home insurance in Pennsylvania?

The average homeowners insurance policy in Pennsylvania costs $1,144 per year for $300,000 in dwelling coverage. This is significantly lower than the national average annual premium of $2,153. Pennsylvania homeowners also pay less than homeowners in neighboring states. In New York, the average premium for $300K in dwelling coverage is $1,710 per year. In Maryland, this coverage costs $1,599 per year. Low insurance premiums in Pennsylvania could be partially the result of the state’s lower average cost of living and comparatively low risk for natural disasters like hurricanes.

Pennsylvania homeowners insurance rates by city 

Your ZIP code can sway how much you pay for your home insurance coverage. Much of Pennsylvania’s population is concentrated in the southeast area of the state around the broader Philadelphia area.

Your location plays a primary role in determining what you will pay for homeowners insurance. For example, if you live in a neighborhood with low crime rates and few potential natural disasters, you are likely to pay less than someone who lives in a region where vandalism is common and winter storms frequently cause damage. The local cost for rebuilding after a claim may also impact your rate. Here are some of the cheapest cities for homeowners insurance in Pennsylvania.

The list below shows the range of premium costs you can find even in a single state. Insurers take many factors into account when calculating premiums, but homes in areas with higher costs of living, higher crime rates and more frequent claims typically see higher average rates. Residents of these Pennsylvania cities may pay an above-average rate for their policies.

What does home insurance cover in Pennsylvania?

Understanding which disasters are covered by your home insurance policy is the first step in identifying any potential coverage gaps. If you have an HO-3 home insurance policy, which is largely considered standard, here’s what you can expect to be covered for: 

Additional home insurance coverage types in Pennsylvania

Residents of the Keystone State may want to consider home insurance add-ons that protect their property and belongings against the state’s unique perils. Some add-on coverage types that Pennsylvania homeowners might consider include:

Related content:

Pennsylvania flood insurance Previously Read

Sinkhole Insurance Previously Read

Water backup coverage Previously Read

Frequently asked questions

What is the cheapest homeowners insurance company in Pennsylvania?

The cheapest home insurance company varies from person to person because insurance providers weigh a variety of factors differently. Most providers look at personal factors like ZIP code, credit history, claims history, coverage types and more. To find the cheapest insurance provider for you, start with a list of companies known for providing cheap homeowners insurance and request quotes from several. Compare quotes with the same level of coverage to find the company that will give you the best rate for your needs.

The cheapest home insurance company varies from person to person because insurance providers weigh a variety of factors differently. Most providers look at personal factors like ZIP code, credit history, claims history, coverage types and more. To find the cheapest insurance provider for you, start with a list of companies known for providing cheap homeowners insurance and request quotes from several. Compare quotes with the same level of coverage to find the company that will give you the best rate for your needs.

How do I get homeowners insurance in Pennsylvania?

To obtain quotes from Pennsylvania homeowners insurance companies, you can start online, call the company or work with a local insurance agent. For a home insurance quote, you’ll need your name, address, date of birth and potentially your Social Security number. You’ll also need to provide some basic information about your home, including the year it was built, how old the roof is and details about any custom features. Once you have a quote and want to purchase the policy, a company representative can walk you through the next steps.

To obtain quotes from Pennsylvania homeowners insurance companies, you can start online, call the company or work with a local insurance agent. For a home insurance quote, you’ll need your name, address, date of birth and potentially your Social Security number. You’ll also need to provide some basic information about your home, including the year it was built, how old the roof is and details about any custom features. Once you have a quote and want to purchase the policy, a company representative can walk you through the next steps.

Will my Pennsylvania homeowners insurance cover flooding?

Standard Pennsylvania homeowners insurance policies do not typically cover flooding. However, you could ask your insurance agent about options to purchase a separate flood insurance policy. Many companies may help you purchase a policy from the NFIP, but some carriers also offer private flood insurance.

Standard Pennsylvania homeowners insurance policies do not typically cover flooding. However, you could ask your insurance agent about options to purchase a separate flood insurance policy. Many companies may help you purchase a policy from the NFIP, but some carriers also offer private flood insurance.

The cost of homeowners insurance varies for everyone. However, average home insurance in Pennsylvania is significantly more affordable than many other states. The average cost of homeowners insurance in Pennsylvania is $1,144 per year for $300,000 in dwelling coverage. In contrast, the average annual premium for that level of coverage nationally is $2,153. The actual cost of your Pennsylvania homeowners insurance will depend on a number of factors, including ZIP code, size of your home, year it was built and claim history. If you're looking to save on your home insurance, shopping around, maintaining your home, researching discounts and improving your credit score may help you find cheaper coverage.

The cost of homeowners insurance varies for everyone. However, average home insurance in Pennsylvania is significantly more affordable than many other states. The average cost of homeowners insurance in Pennsylvania is $1,144 per year for $300,000 in dwelling coverage. In contrast, the average annual premium for that level of coverage nationally is $2,153. The actual cost of your Pennsylvania homeowners insurance will depend on a number of factors, including ZIP code, size of your home, year it was built and claim history. If you're looking to save on your home insurance, shopping around, maintaining your home, researching discounts and improving your credit score may help you find cheaper coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

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Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

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