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Best homeowners insurance in Pennsylvania for 2023

Updated Jan 03, 2023
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How Bankrate chose the best home insurance companies in Pennsylvania

Finding the best home insurance companies in Pennsylvania starts with developing a metric to grade companies. Bankrate’s insurance experts analyzed dozens of home insurance carriers based on average rate data, policy options and discounts, online accessibility and more. We also collected information on insurers’ performance in customer service rankings by 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 five-point scale based on their performance in key categories, including financial strength, customer satisfaction, national availability, coverage options and discounts, and digital policy management tools. Home insurance companies that performed well in these categories earned a higher overall Bankrate Score — the highest possible being 5 out of 5 points. You can use these Scores to quickly analyze carriers and narrow down which ones you might want to request quotes from.

Best home 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.

Based on our findings, USAA, Erie and Chubb offer some of the best homeowners insurance in Pennsylvania. But if you’re looking for other options, the full list is below and might give you a good place to start:

USAA
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
Average annual premium
$708
J.D. Power
884
/1,000
AM Best
A++
Get a quote
Erie
Rating: 3.1 stars out of 5
3.1
Bankrate Score
Info
Average annual premium
$612
J.D. Power
827
/1,000
AM Best
A+
Get a quote
Chubb
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
Average annual premium
$1,038
J.D. Power
809
/1,000
AM Best
A++
Get a quote
Nationwide
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
Average annual premium
$877
J.D. Power
816
/1,000
AM Best
A+
Get a quote
Average annual premium
$1,080
J.D. Power
Not rated
AM Best
Not rated
Get a quote
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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*Not officially ranked with J.D. Power due to eligibility restrictions

**Average rates are for annual policies with $250,000 in dwelling coverage

Best home insurance company for military-focused coverage

J.D. Power:
884 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 708
USAA Insurance review

Explore Bankrate's review

Best home insurance company for local offices

J.D. Power:
827 /1,000
AM Best:
A +
Avg. annual premium for 250k dwelling
$ 612
Erie Insurance review

Explore Bankrate's review

Best home insurance company for robust coverage packages

J.D. Power:
809 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 1,038
Chubb Insurance review

Explore Bankrate's review

Best home insurance company for endorsement options

J.D. Power:
816 /1,000
AM Best:
A +
Avg. annual premium for 250k dwelling
$ 877
Nationwide Insurance review

Explore Bankrate's review

Best home insurance company for coverage tailored to high-value homes

PURE

J.D. Power:
Not rated
AM Best:
N/A
Avg. annual premium for 250k dwelling
$ 1,080
PURE Insurance review

Explore Bankrate's review

How much is homeowners insurance in Pennsylvania?

The average homeowners insurance policy in Pennsylvania costs $786 per year for $250,000 in dwelling coverage. This is significantly lower than the national average annual premium of $1,383. Pennsylvania homeowners also pay less than homeowners in neighboring states such as New York, where the average premium is $1,289 annually, and Maryland, where coverage costs $1,136 annually. Low insurance premiums in Pennsylvania could be partially the result of the state’s low average home value and cost of living compared to other states.

Home insurance in Pennsylvania

Every state has unique considerations when it comes to home insurance. In Pennsylvania, natural disasters are relatively common, which can affect the average cost of coverage in your area. Understanding the common causes of loss in Pennsylvania might help you choose appropriate coverage limits.

Common causes of loss in Pennsylvania

Homeowners insurance companies in the state of Pennsylvania incurred nearly $16 billion in losses in 2021, according to the Insurance Information Institute (Triple-I). Pennsylvania has numerous perils and hazards homeowners should be prepared for. When shopping for home insurance, consider the following perils that are most common across the state:

  • Fires: Parts of Pennsylvania are mountainous regions or heavily wooded. During drier times of the year, fire risk is higher. Residents who live in areas at risk for wildfires should be most vigilant during spring and autumn.
  • Frozen pipes: Cold winters and older homes may cause pipes to freeze and burst. Insulating pipes, even with newspaper, could help prevent damage, according to Pennsylvania American Water.
  • Snowstorms: Heavy snow events occur regularly during the winter months in Pennsylvania and nor’easters and blizzards that can generate two feet or more of snow are possible. Heavy snow can cause damage to roofs, which can then lead to interior damage.
  • Floods: Pennsylvania experienced extensive flooding from the remnants of Hurricane Ida in summer 2021. Parts of Schuylkill, Lebanon and Dauphin counties are particularly vulnerable to heavy flooding.

There may also be additional perils that are not covered by a standard Pennsylvania homeowners insurance policy and may require additional coverage. Consider speaking to your insurance professional to make sure you are covered against common perils in your area.

Home insurance coverage options 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 coverage types that Pennsylvania homeowners might consider include:

  • Flood insurance: Flood insurance coverage typically has to be purchased separately since flood-related damages are not covered by a standard home policy. Flood coverage is offered through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance (NFIP) program and through some private insurers. If you live in a high-risk flood zone, a flood policy may be required.
  • Replacement cost coverage: Opting for replacement cost coverage could provide you with enough coverage to purchase a new version of damaged or destroyed personal property at today’s cost. Additionally, you might be eligible for replacement cost coverage for the structure of your home, which could help to fully cover rebuilding costs if your house is destroyed.
  • Sinkhole insurance: Pennsylvania is amongst the six states most vulnerable to sinkhole However, the damage is not covered through a standard home insurance policy. Adding sinkhole coverage could save you tens of thousands of dollars should one damage your property.
  • Water backup coverage: Some water damage is automatically covered by home insurance policies. But if water backs up in a sewer or drain line and damages your home, you have to have this endorsement to have coverage.

Frequently asked questions

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute