Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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 2023

Based on our research, USAA, Allstate, Erie, Farmers and Pennsylvania National Mutual write some of the best homeowners insurance in Pennsylvania
Updated Jun 06, 2023
Bankrate logo

The Bankrate promise

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 , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

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.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

Savings

Compare rates and save on home insurance today!

ZIP code
Close X

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
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
AM Best
A++
J.D. Power
884
/1,000
Average monthly premium
$55
Average annual premium*
$658
Get a quote
Allstate
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power
815
/1,000
Average monthly premium
$45
Average annual premium*
$539
Get a quote
Erie
Rating: 3.1 stars out of 5
3.1
Bankrate Score
Info
AM Best
A+
J.D. Power
827
/1,000
Average monthly premium
$50
Average annual premium*
$595
Get a quote
Farmers
Rating: 2.9 stars out of 5
2.9
Bankrate Score
Info
AM Best
A
J.D. Power
792
/1,000
Average monthly premium
$65
Average annual premium*
$785
Get a quote
Pennsylvania National Mutual Insurance
AM Best
Not rated
J.D. Power
Not rated
Average monthly premium
$46
Average annual premium*
$555
Get a quote
Powered by Coverage.com (NPN: 19966249)
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.

*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

USAA

Best for military-focused coverage

Rating: 3.7 stars out of 5
3.7 Bankrate Score
JD Power: 884 AM Best: A++

Average annual premium

$ 658 for $250k dwelling
USAA Review Get a personalized quote

Why USAA made our list: USAA scored the highest in the 2022 J.D. Power Home Insurance Study, although it is 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 2023 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.

Allstate

Best for unique endorsements

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 815 AM Best: A+

Average annual premium

$ 539 for $250k dwelling
Allstate Review Get a personalized quote

Why Allstate made our list: Allstate tied with USAA in the 2023 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 for homeowners looking for unique coverage options, as many of the carrier's endorsements are not found with other companies. These include electronic data recovery, musical instrument 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.

Erie

Best for local offices

Rating: 3.1 stars out of 5
3.1 Bankrate Score
JD Power: 827 AM Best: A+

Average annual premium

$ 595 for $250k dwelling
Erie Review Get a personalized quote

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. However, Erie did score below average in the 2022 J.D. Power Insurance Digital Experience Study “service” category, which could be due to customer complaints regarding the company’s mobile app.

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.

Farmers

Best for prepackaged coverage options

Rating: 2.9 stars out of 5
2.9 Bankrate Score
JD Power: 792 AM Best: A

Average annual premium

$ 785 for $250k dwelling
Farmers Review Get a personalized quote

Why Farmers made our list: Farmers may make it easier to choose a policy that works for you with its Farmers Smart Plan, which offers three 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.

Pennsylvania National Mutual Insurance Co.

Best for regional coverage options

JD Power: Not rated AM Best: N/A

Average annual premium

$ 555 for $250k dwelling
Get a personalized quote

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. A pre-selected package of options called PennPac provides a handful of add-on coverage types, such as credit card theft, refrigerated items insurance and loss assessment. 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 tehri 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.

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.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

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.

$150K
$511
$250K
$658
$350K
$793
$450K
$924
$750K
$1,306
$150K
$465
$250K
$539
$350K
$612
$450K
$673
$750K
$935
$150K
$407
$250K
$595
$350K
$828
$450K
$1,031
$750K
$1,720
$150K
$568
$250K
$785
$350K
$1,006
$450K
$1,274
$750K
$2,025
Pennsylvania National Mutual Insurance
$150K
$368
$250K
$555
$350K
$742
$450K
$933
$750K
$1,507
Powered by Coverage.com (NPN: 19966249)
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.

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. 

  • Elverson: $714 — 6 percent below the state average
  • Sewickley: $714 — 6 percent below the state average
  • Atglen: $715 — 6 percent below the state average
  • Catawissa: $715 — 6 percent below the state average
  • Lairdsville: $715 — 6 percent below the state average

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.

  • Fairless Hills: $900 — 18 percent above the state average
  • Bensalem: $903 — 19 percent above the state average
  • Bristol: $905 — 19 percent above the state average
  • Croydon: $907 — 19 percent above the state average
  • Levittown: $907 — 19 percent above the state average

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

Written by
Mary Van Keuren
Insurance Contributor

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

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