Best Homeowners Insurance In Pennsylvania

State Farm is rated as the best home insurance in Pennsylvania.

min read
Updated: 11 February 2024
Written by
Bob Phillips
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If you live in Pennsylvania, you reside in a climate that is very diverse because of the numerous geographic features within this state. Philadelphia, the largest city in the state, has colder winters with more snowfall than the usual humid subtropical climate zone it lie within. Pennsylvania homeowners need adequate home coverage to safeguard from the cost of destruction and damage that may result because of the extreme weather.

You need protection from the elements when weather damages your home and property. I feel that State Farm homeowners insurance is outstanding in its field. Still, I encourage you to research other homeowners insurance companies in Pennsylvania that we will review for you, and make your own choice as to which is best for your needs.

Best Home Insurance Companies In Pennsylvania, 2024

Best Home Insurance, Pennsylvania, 2024

Compare The Best Home Insurance Companies In Pennsylvania

Overall Rating Best For A.M Best Rating J.D Power Rating Online Experience Get A Quote
State Farm
4.9

Best Overall

A++

829

9/10

Instant Quote
Nationwide
4.6

Coverage Options

A+

815

8/10

Instant Quote
Allstate
4.7

Discounts

A++

816

9/10

Instant Quote
Chubb
4.8

Cheapest

A+

809

7/10

Instant Quote
Farmers
4.4

Policy Perks

A

792

9/10

Instant Quote
Scroll to see comparisons

Our Methodology

When making a determination about the overall best home insurance carrier in Pennsylvania, we base our choices on unbiased, objective ratings as well as reviews of every carrier in the competition to be the best. For example, we check out J.D. Power's customer satisfaction data about each insurance company. For data about each carrier's financial strength, we go to AM Best. In addition, we research feedback from customers and also use my personal experience with Pennsylvania home insurance.

51

Quotes Analyzed

19

Brands Reviewed

15+

Years Of Experience

26+

Research Hours

Best Homeowners Insurance Companies In Pennsylvania


Best Overall

Overall Rating
4.9

Key Statistics

8/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

Our choice for the best home insurance in Pennsylvania is State Farm.

State Farm’s standard homeowners policy gives policyholders the benefit of insurance coverage that isn’t often offered by other companies. Combined with high ratings in financial strength from JD Power and a high rating for customer satisfaction from AM Best, it’s easy to see what makes State Farm homeowners insurance a safe bet.

If you have unique coverage needs, you can probably find just the insurance package you  need from State Farm. This carrier has multi-discounts that can cut costs on your premiums.

Better Roof Replacement is a good option if you suffer a qualified loss such as from hail, ice storms or tornadoes. Your State Farm policy will pay you for the upgraded materials necessary to repair or replace your roof.

Brand New Belongings is another available option. It  will reimburse you for the replacement cost of your belongings. You receive the depreciated value of your belongings and valuables if they’re damaged or destroyed. You simply purchase replacements, send State Farm your receipts, and receive reimbursement for the cost difference.

Benefits & Drawbacks

Benefits
  • AM Best gives State Farm an excellent financial security rating
  • Rates very high in customer satisfaction
  • Lots of coverage options available to fit your insurance needs
Drawbacks
  • Not many discounts
  • Damages incurred from floods is not included with their standard home insurance policy

Best Coverage Options

Overall Rating
4.6

Key Statistics

8/10 Affordability
6/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

Nationwide is rated A+ (Superior) by AM Best for its robust financial stability. This company rates a little low in its customer satisfaction ratings based on online negative reviews left by policyholders. On the up-side, it has multiple agents in Louisiana, and a lot of neighborhood offices, too.

A Nationwide homeowners policy lets you enjoy coverage options not routinely offered by insurers. Reimbursement for such losses as credit card fraud, for example, along with ordinance or law coverage in the event you must rebuild and comply with stricter codes.

Better Roof Replacement is a great option if you need to upgrade your roof materials if they have to be replaced after an event such as an ice storm, tornado or hail.

Brand New Belongings is another option. You get the replacement cost of your valuables and belongings. You’ll be reimbursed for depreciated values if your items are destroyed or damaged. You simply buy replacements, send Nationwide the receipts, then be reimbursed for the cost difference.

Benefits & Drawbacks

Benefits
  • Many high-quality options for coverage
  • Very high AM Best rating in financial security
  • Multiple local agents and offices for service, claims and sales
Drawbacks
  • Multiple negative online customer reviews
  • No coverage for short term rental such as Airbnb

Best For Discounts

Overall Rating
4.7

Key Statistics

8/10 Affordability
7/10 Customer Reviews
9/10 Claims
10/10 Coverage Level

Why We Like Them

Allstate is great for saving money on your premiums, offering 11 home insurance discounts. The average number of discounts within the industry is 7, so this is a beneficial perk. I believe, as do many home insurance analysts, that Allstate offers unique discounts to policyholders.

Here are some of Allstate’s discounts:

  • Early Payment: Buy a new policy at least 7 days before your current policy renewal and get a discount
  • Loyalty: Renew with Allstate and save up to ten percent
  • Claims Free: Zero claims within 12 months means that you can get a 5% discount upon renewal of your policy
  • Automatic Payment: Choose auto-pay and have your premium deducted automatically from your bank account–save up to 5%
  • New home: If you insure a newly built home, you receive a discount
  • Home Buyer: Discount for those who have recently bought a home
  • Protective device: Install fire and theft protection, and get a discount
  • Responsible Payment: A good payment history nets you a discount on your premium
  • Claims Forgiveness: This is additional coverage that will prevent your rate from going up if you file a claim

Allstate offers 9 optional coverage types for home insurance, which is nearly double the national average. Besides the usual options such as scheduled personal property and identity theft, this carrier also has unique homeowners coverage for those who have a yard and garden. This handy option increases coverage limits to replace things like landscaping and riding lawn mowers.

Benefits & Drawbacks

Benefits
  • Large number of options
  • Numerous agents, offices, and claims adjusters in the state
  • Respectable number of discounts available
Drawbacks
  • Rates can be a little higher than the national average

Best For Cheapest Coverage

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
10/10 Coverage Level

Why We Like Them

Chubb insurance company has among the most economical home insurance in Pennsylvania with an average price of only $1,362 per year. This cost is less than the average premium in the state of $1820 a year.

The cheaper price for coverage doesn’t mean lesser insurance coverage, however. Policyholders receive some of the best home insurance rates in Pennsylvania, plus top customer service, coverage tailor made for higher end homes, as well as strong and stable  financial standing. Chubb provides premiums that are affordable and policy coverage for an extended cost of replacement if you need to repair or replace your property, even if its value has depreciated since you bought it.

Benefits & Drawbacks

Benefits
  • You have a broad range of options that let you customize your coverage to suit your own personalized needs
  • Earns highest financial strength rating available
  • Competitive premiums
  • Has the highest number of local agents in Pennsylvania
Drawbacks
  • Policy quotes are not usually available online

Best For Policy Perks

Overall Rating
4.4

Key Statistics

9/10 Affordability
6/10 Customer Reviews
7/10 Claims
9/10 Coverage Level

Why We Like Them

Farmers insurance doesn’t just rank highest for the perks it gives customers; it also scores a top rating for online experience because of how well it explains these perks to customers, as well as those who shop around for homeowners insurance. These are some of the homeowners insurance perks that Farmers offers:

  • Replacement Cost Guaranteed: Farmers insurance pays the full price if you have to rebuild your home, no matter the cost
  • Discount if Claim Free: You’ll get a discount on your policy premium if you haven’t filed a claim within three years
  • Multi Line Policies: You save as much as 34% if you bundle your coverage types, like auto and homeowners
  • Deductible Declines: Receive $50 toward your home insurance deductible each year the policy is active
  • Claim Forgiveness: Go claim free for 5 years and if you do have a claim after this period, your policy premium won’t go up

Overall, this insurer has an excellent 9.3/10 score, which reflects its lower J.D. Power customer satisfaction ratings for service to policyholders.

Benefits & Drawbacks

Benefits
  • Many agents and offices located in the state
  • More than twelve discounts are available
  • Standard in every property and home coverage is guaranteed replacement cost
Drawbacks
  • Based on the average rating from J.D. Power, Farmers scores less than average in customer satisfaction

How To Find The Best Home Insurance Company For You

If you’re in the process of looking for the right homeowners insurance in Pennsylvania, it may require your time and effort, but your research will be worth it in the long run. Your home is probably your most valuable asset. This means that it’s vitally important to protect your home and personal belongings by being sure to safeguard yourself from a loss. This will be a huge contribution toward financial security for yourself along with your family.

Follow these 5 easy steps to find the best policy that suits your needs:

  1. Get online to research and learn about home insurance companies in Pennsylvania, and narrow your choices to the three insurers that sound like the best for you
  2. Decide how much coverage limits you need. You might need an insurance agent to assist with this
  3. Obtain quotes from the three companies for the coverage you need
  4. Choose an insurer with this decision based on several factors like rates, coverage, financial strength, and customer reviews
  5. Complete and submit an application for coverage

Many insurance carriers let you get quotes and complete an application online, however some don’t, which means you’ll need to talk to an agent.

 Average Cost Of Home Insurance In Pennsylvania

Cheapest Home Insurance In Pennsylvania

Insurer Annual Rate
Allstate $842
USAA $934
Nationwide $980
Pennsylvania Average Rate $995
Chubb $1,040
Farmers $1,128
Amica $1,845

 Cheapest Places For Homeowners Insurance In Pennsylvania

City Annual Rate
Aaronsburg $732
Audubon $828
Abington $865
Abington $856
Bala Cynwyd $903

Home Insurance Premiums By Deductible In Pennsylvania

Deductible Average Annual Rate
$500 $1,710
$1,000 $1,522
$1,500 $1434
$2,000 $1,321
$5,000 $996

 Most Expensive Cities For Homeowners Insurance In Pennsylvania

City Highest Rate
Boothwyn $914
Chester $969
Concordville $970
Bristol $1,022

Home Insurance Prices By Coverage Level In Pennsylvania

Coverage Level Average Annual Rate
$100,000 Dwelling $546
$200,000 Dwelling $823
$250,000 Dwelling $1,009
$400,000 Dwelling $1,409

How To Get An Online Home Insurance Quote In Pennsylvania

With the internet available, researching homeowners insurance in Pennsylvania has never been quicker or easier. Just do some research, select the insurance carrier that fits your individual needs, and obtain a quote. Follow these three easy steps:

  1. Answer all questions found on the quote form about your dwelling, including contents and value, age of the home, number of square footage,  composition of exterior such as brick, stone and so on, the zip code, plus any information required
  2. Get your quote by submission of the form
  3. Select the insurer that seems best to suit your needs and then finish completing your  coverage application

If you find an insurer that doesn’t accept quotes online, you will need to speak with a broker or agent representing that carrier in your area.

Factors That Impact Cost Of Your Home Insurance Policy In Pennsylvania

Multiple factors may determine the price of home insurance in Pennsylvania:

  • Close to flood zones – If your home is close to any lakes in Pennsylvania, you might have an increased likelihood of filing claims for flooding
  • The age of the home – If your home was built thirty years or more ago, your premium could be as much as 75% more than newer homes. This is due, in part, to recent codes being more stringent, which makes it cost more to rebuild
  • The location (zip code) of the home –  Homes located within zip codes that are prone to severe weather such as tornadoes or flooding, will usually pay more than average rates
  • Deductibles and amount of coverage –The less your deductible, the more your premium. Many people find that it’s better to have a higher deductible that will save you money on your insurance premium
  • Your claim history –  If you have a history of filing homeowner insurance claims in the past, most companies will charge you a higher rate

Pennsylvania Home Insurance Laws To Know

By law, homeowners in Pennsylvania are not required to have homeowners insurance. But, if you have a mortgage on your property, you’ll probably have to carry home insurance. Owners of dogs considered dangerous are required to carry liability insurance or a surety bond of $50,000. However, the law also says that a homeowners policy can’t exclude coverage of any dog breed.

Home Insurance Discounts In Louisiana

When purchasing a homeowners policy in Louisiana, you need to ask your agent about any   discounts that might be available to lower the price of your insurance premium. You may be able to qualify for multiple discounts, such as:

  • Automatic Payment: Homeowners may get a discount if they elect to use auto-pay so that premiums are automatically deducted from their checking account
  • Responsible Payment: Paying on time means that you build a good payment history, and will often mean a discount on your premium cost, as well
  • Bundle: If you “bundle” more than one of your types of insurance with a company, a lot of them will give you as much as a twenty-five percent discount off your premium
  • Claims-Free: Many insurance carriers give you a discount if you have not filed a claim within a year
  • Early Payment: With some insurers, purchasing a new policy at last a week before the old one expires will net you a discounted premium
  • New Home: You may be entitled to a discount if your dwelling is newly built

The Most Affordable Areas For Homeowners Insurance In Pennsylvania

Homeowners insurance rates in Pennsylvania may be dependent on your zip code. They might range from a low of $903 in Harrisburg, zip code 17110—to $1138 in Pittsburgh, zip code 15204. According to zip codes, the lowest rates are:

ZIP Code City Lowest Rate
15204 Pittsburgh $1,138
17603 Lancaster $997
17315 York $926
17110 Harrisburg $903

FAQs

Is home insurance more expensive in Pennsylvania?

The answer is no. Home insurance in Pennsylvania averages about $995 per year, less than the national average of $1,925 per year.

How much per month is a million-dollar home insurance policy in Pennsylvania?

Rates vary based on the carrier, but 2 insurers with the best home insurance premium rates in Pennsylvania are Allstate at $842 per year and USAA at $934 a year.

What is the average monthly cost of home insurance in Pennsylvania?

Rates will be based on your home’s value, your belongings, your property, along with where your home is located in Pennsylvania. An average home worth about $250,000 usually costs about $1,624 per year.

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