Homeowners Insurance in Pennsylvania

Finding homeowners insurance shouldn't be complicated. Compare Pennsylvania rates by city and company below.

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How to get affordable homeowners insurance in Pennsylvania


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. Homeowners insurance defends your dwelling and property from a variety of circumstances, including theft, fire, vandalism, or wind damage.

Unlike auto insurance, home insurance is not governed by state legislation. Even so, major gaps exist in home insurance costs from state to state. Homeowners insurance rates in a given state differ based on the frequency and value of home policy claims filed in that state, and depend on the price of the belongings and home you're insuring.

The easiest way to find an affordable homeowners insurance policy in Pennsylvania is to view prices from as many insurance companies as you can. Learn average home insurance rates in Pennsylvania by referencing the below tables. Your rates may vary, depending on your coverage details.


Pennsylvania home insurance:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage amount
  4. Rates by deductible level
  5. Bundling
  6. FAQs

Home insurance rates in Pennsylvania by insurance company

Home insurance prices in Pennsylvania can vary based on the insurance company you select. Penn National Insurance provides the most affordable home insurance policies in Pennsylvania — only $495 per year. This is less than the state average cost of $851, providing a $356 discount on the typical rates in the state.

Begin the hunt for affordable homeowners coverage by reviewing the most affordable Pennsylvania insurance companies, listed below.


CHEAPEST HOME INSURANCE COMPANIES IN PENNSYLVANIA
CarrierAverage Yearly Rate in Pennsylvania
Penn National Insurance$495
Truck Insurance$535
Safeco$685
Encompass$794
Erie$855

Pennsylvania home insurance costs by city

Not all Pennsylvania cities have the same homeowners insurance rates. Policy pricing depends on local variables such as the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The best home insurance in Pennsylvania is found in Lancaster. The average home insurance policy in Lancaster costs only $685 annually — $167 less than the average homeowners policy in other Pennsylvania cities. The below cities have the most affordable homeowners insurance in Pennsylvania.


CHEAPEST HOME INSURANCE CITIES IN PENNSYLVANIA
CityAverage Annual Home Insurance Rate
Lancaster$685
York$709
Harrisburg$709
Lebanon$715
Reading$741

Home insurance prices in Pennsylvania by coverage limit

Your chosen level of homeowners coverage determines the insurance premiums you pay . Homeowners in Pennsylvania who carry $100,000 of dwelling coverage pay an average of $373 per year, while those with dwelling coverage of $400,000 pay around $1,179 per year.


HOMEOWNERS INSURANCE RATES IN PENNSYLVANIA — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Cost
$100,000 Dwelling$373
$200,000 Dwelling$590
$250,000 Dwelling$760
$400,000 Dwelling$1,179

Compare Homeowners Insurance Rates

Home insurance deductibles in Pennsylvania

Among the many choices faced by homeowners when buying an insurance policy is where to set the deductible. The deductible is the total dollar amount that the insured contributes toward a covered loss. Where you set your deductible can be a large factor in how much you pay for insurance.

When picking a deductible, bear in mind that the higher your deductible is, the lower your insurance rates will be. This means that those seeking lower rates will want to seriously consider a higher deductible. Bear in mind that your deductible should not be so high that you would struggle to pay it in the event of a loss.

Below you'll find some typical deductible options offered by most home insurance companies along with corresponding average insurance costs.


HOMEOWNERS INSURANCE COSTS BY DEDUCTIBLE LEVEL IN PENNSYLVANIA
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$835
$1,000$760
$1,500$710
$2,000$655
$5,000$552

Pennsylvania insurance bundling discounts: homeowners and auto

To trim a few dollars from your insurance costs, consider purchasing both your homeowners and auto insurance policies from one company. Bundling auto and homeowners insurance in Pennsylvania can lead to substantial savings on your auto insurance bill. Bundling policies in Pennsylvania leads to average annual savings of $161.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN PENNSYLVANIA
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,365$1,204$16113%

A great way to save is to bundle your auto and homeowners insurance policies. Compare rates today!


Seeking insights on homeowners insurance in a specific city? Check out our analysis of populous Pennsylvania cities:

  1. Philadelphia
  2. Pittsburgh

Pennsylvania homeowners insurance FAQs


Do you need homeowners insurance in Pennsylvania?

Pennsylvania does not require homeowners insurance. However, if you have a mortgage, it's likely that your lender will require some sort of homeowners coverage.

Does homeowners insurance cover mold in Pennsylvania?

In most cases, mold is not covered by homeowners insurance in Pennsylvania. However, if mold occurs as a result of a covered peril (like a burst pipe) then it may in fact be covered. Some insurance companies may offer an endorsement that allows for mold to covered, so you would need to check with your insurance company.


Floods and home insurance in Pennsylvania

Flood damage, whether it occurs during a hurricane or a torrential downpour, is excluded from coverage by home insurance companies. In order to insure your home against flood damage, get insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer.

Coverage details from private insurance companies vary. If you purchase flood insurance through NFIP, you'll receive:

  • $250, 000 structural coverage
  • $100, 000 personal property coverage

If the value of your personal property and home exceed these limits, consider purchasing a policy from a private company for additional protection.

Flood insurance is important in Pennsylvania, which paid out $1, 562, 476 in 2016 flood insurance claims, according to the Federal Emergency Management Agency.


Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.