Best homeowners insurance in Pennsylvania for 2023

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 $760 for $250,000 of dwelling coverage, which is well below the national average of $1,428.

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

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

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

The top 5 home insurance companies in Pennsylvania

Pennsylvania National Mutual Insurance Co.

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.

How much is home insurance in Pennsylvania?

The average homeowners insurance policy in Pennsylvania costs $760 per year for $250,000 in dwelling coverage. This is significantly lower than the national average annual premium of $1,428. Pennsylvania homeowners also pay less than homeowners in neighboring states. In New York, the average premium for $250K in dwelling coverage is $1,506 per year. In Maryland, this coverage costs $1,164 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.

How to find the best 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:

1. Shop around: The first quote you get may not be a competitive rate for your coverage selections. You may be surprised at the range of prices you could have if you compare multiple quotes. Shopping around may help you not only find the lowest rate but also may help you identify companies with other factors you are looking for, like great customer service or a specific endorsement. 
2. Maintain your roof: Older or poorly-maintained roofs can be easily damaged during storms and may be an indicator of the general level of upkeep around your home. Most insurers will give you a better price if your roof is newer and in good repair.
3. Address your credit score: Pennsylvania home insurance companies can consider your credit history when determining your rates and typically offer lower rates to homeowners with strong credit histories. Carriers typically see a high credit-based insurance score as a sign you pay bills on time. It may also indicate that you are less likely to file a claim for small damages. 
4. Consider bundling: If you are happy with the company that carries your car insurance policy, you might consider going with the same carrier for home insurance. Most Pennsylvania homeowners insurance carriers will give you a discount if you carry more than one policy with the company. 

Common 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:

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:

• Flood insurance: Flood insurance is not included in 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 by your mortgage lender.
• Replacement cost coverage: Opting for replacement cost coverage may 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 damage. However, the damage is not covered through a standard home insurance policy. Pennsylvania offers state maps that indicate whether or not your home is at risk for sinkhole or mine subsidence damage. 
• 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'll likely need this endorsement to have coverage.

Frequently asked questions