Best & Cheapest Homeowners Insurance In Philadelphia, PA 2025

Westfield offers the cheapest homeowners insurance to homeowners in Philadelphia, with an average annual quote of $950.

We’ve saved shoppers an average of $450 per year on their home insurance.

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Updated: 30 July 2025
Written by Bob Phillips
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In Philadelphia, Westfield provides the cheapest policy, with average annual rates of $950. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

Philadelphia experiences approximately 2,007 residential burglaries annually. Additionally, Philadelphia’s rates climb with home age, flood-zone maps, construction materials, and rising rebuild costs.

To help people navigate the tough home insurance market, I researched several options to find you the best and cheapest home insurance companies in Philadelphia, FL.

Key Takeaways

  • Westfield provides the cheapest home insurance policy in Philadelphia, at an average annual rate of $950

  • The average cost of homeowners insurance in Philadelphia is $1,660 per year.

  • There are various ways to save on your premiums, such as shopping around for quotes and re-assessing your coverage needs.

Cheapest Homeowners Insurance In Philadelphia

Westfield is the cheapest overall carrier for homeowners insurance in Philadelphia, PA, with an average annual rate of $950.

Company Annual Premium
State Farm $1,470
USAA $1,105
Allstate $997
Westfield $950
Erie $1,400

Cheapest Homeowners Insurance In Philadelphia If You Have Poor Credit

If your credit score is poor, Cumberland provides the most affordable solution, with an average annual rate of $1,585.

Insurance Company Average Annual Premium
USAA $2,035
State Farm $2,690
Cumberland $1,585
Selective $2,442
Nationwide $2,610

Cheapest Homeowners Insurance In Philadelphia For Older Homes

For those with older homes, Westfield offers the cheapest rates, averaging $970 per year.

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs.

Insurance Company Average Annual Premium
State Farm $1,470
Allstate $1,015
Westfield $970
Erie $1,430
USAA $1,150

Cheapest Homeowners Insurance For Newly Constructed Homes

If you’re the proud owner of a newly constructed home, Westfield offers the most cost-effective solution, with an average annual rate of $980.

Insurance Company Average Annual Premium
Westfield $980
Allstate $990
Cumberland Mutual $995
Erie $1,185
USAA $1,220

Cheapest Home Insurance In Philadelphia For A History Of Claims

For homeowners with a history of claims, Westfield provides an affordable solution, with an average annual rate of $1,160.

A history of claims can raise red flags for insurers, often leading to higher premiums.

Insurance Company Average Annual Premium
State Farm $1,680
USAA $1,560
Westfield $1,160
Allstate $1,930
Cumberland Mutual $1,762

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Best Homeowners Insurance Companies In Philadelphia, PA

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Philadelphia, PA. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability.

Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
State Farm $1,465
Erie $1,390
Allstate $990
USAA $1,085
Cumberland Mutual $1,230

How Much Is Homeowners Insurance In Philadelphia, PA?

The average cost of home insurance in Philadelphia is approximately $1,660 per year. It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

As you can see below, rates in Philadelphia are lower than the National average. However, they are higher than the Pennsylvania State average.

Area Average Monthly Rate
National $1,820
Pennsylvania $1,115
Philadelphia $1,660

Average Philadelphia Home Insurance Rates By ZIP Code

The cost of homeowners insurance in Philadelphia, PA can vary significantly based on the ZIP code.

The table below showcases average rates for different zip codes in Philadelphia.

ZIP Code Average Annual Premium
19149 $1,640
19111 $1,622
19120 $1,728
19124 $1,700
19143 $1,702

Cheapest ZIP Codes For Home Insurance In Philadelphia

At $1,360 per year, the ZIP code 19113 is the cheapest average ZIP code for home insurance in Philadelphia.

ZIP Code Average Annual Premium
19106 $1,605
19118 $1,535
19110 $1,600
19109 $1,600
19113 $1,360

Most Expensive ZIP Codes For Home Insurance In Philadelphia

The most expensive ZIP code in Philadelphia is 19141, at an average annual premium of $1,780.

                                   ZIP Code Average Annual Premium
19120 $1,728
19142 $1,750
19140 $1,732
19141 $1,780
19138 $1,750

Average Home Insurance Rates In Philadelphia, PA By Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Philadelphia, PA. Generally, a higher deductible means lower premiums, but you’ll pay more out of pocket if you need to make a claim.

Here’s how the average home insurance rates in Philadelphia fluctuate with insurers for different deductible amounts:

Insurer Annual Rate for $500 Deductible Annual Rate for $1,000 Deductible Annual Rate for $1,500 Deductible
Allstate $1,175 $1,023 $918
Erie $1,671 $1,518 $1,414
State Farm $1,635 $1,560 $1,428
Cumberland Mutual $1,214 $1,096 $991
USAA $1,054 $966 $883

Average Home Insurance Rates In Philadelphia, PA By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

The below table outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,215
$250,000 $1,450
$300,000 $1,660
$350,000 $1,865
$400,000 $2,130

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Compare Home Insurance Rates To Other Cities In Pennsylvania

The following table shows the average rates of home insurance across various cities in Pennsylvania.

City Annual Premium
Pittsburg $1,130
York $1,090
Erie $1,215
Lancaster $1,070
West Chester $1,225

Bundle Home With Auto Insurance

Bundling your homeowner’s insurance with your auto insurance is a popular way to lower premiums. Many insurance providers offer discounts when you combine multiple policies, as they see it as an opportunity to retain you as a customer across different types of coverage. The savings from bundling can vary, but it’s common to see discounts ranging from 5% to 15% on your home insurance premium.

This method can be especially useful for homeowners who already have an auto insurance policy. By consolidating both policies with the same insurer, you simplify your insurance management and may receive better overall customer service. In addition to lower premiums, bundling may also provide more flexible payment options and potentially higher coverage limits.

Before deciding to bundle, it’s important to compare the total cost of bundling with the cost of purchasing separate policies. While bundling may offer discounts, it’s still worth ensuring that each individual policy provides the coverage you need at a reasonable rate.

How To Get Homeowners Insurance In Pennsylvania

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

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