Homeowners Insurance in Pennsylvania

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

Find cheap homeowners insurance in Pennsylvania


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A home insurance policy protects your dwelling, personal property, and other buildings from a number of calamities, including wind damage, fire, theft, vandalism, and others.

Major discrepancies exist in homeowners insurance costs from state to state. Home insurance prices in states diverge based on the value of — and frequency of — homeowners policy claims in that state, and also on the value of the belongings and home insured on the policy.

The best way to get an affordable homeowners insurance policy in Pennsylvania is to compare rates and consider policies from as many insurance companies as possible. Learn more about average home insurance rates in Pennsylvania by reviewing the below data. Remember: your rates will vary, depending on your coverage limits.


Pennsylvania home insurance:
  1. By company
  2. Homeowners rates by city
  3. Home-and-auto bundling discounts

Home insurance rates in Pennsylvania by company

Prices for home insurance in Pennsylvania vary based on the insurance company you use. Penn National Insurance sells the cheapest home insurance in Pennsylvania, at just $495 annually. This compares favorably to the state average cost of $851, providing a $356 price break on average policy costs statewide.

Start looking for affordable coverage by viewing average rates from top Pennsylvania companies, listed below.


AFFORDABLE HOME INSURANCE COMPANIES IN PENNSYLVANIA
InsurerAverage Annual Rate in Pennsylvania
Penn National Insurance$495.27
Truck Insurance$534.67
Safeco$684.89
Encompass$793.59
Erie$854.84

Pennsylvania home insurance by city

Not all Pennsylvania cities have the same homeowners insurance rates. Policy pricing may depend on locally specific variables such as the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.

The cheapest home insurance in Pennsylvania is found in Lancaster. In Lancaster, the typical home insurance policy costs $685 per year — $167 less than the statewide average. The below table shows the best places to live in Pennsylvania if you’re looking for cheap homeowners insurance.


CHEAPEST HOME INSURANCE CITIES IN PENNSYLVANIA
CityAverage Yearly Home Insurance Rate
Lancaster$684.71
York$708.79
Harrisburg$708.96
Lebanon$715.19
Reading$740.90

Pennsylvania insurance bundling discounts: home + auto

If you want to save on insurance, consider purchasing both your car and home insurance policies from one company. A home and auto insurance bundle in Pennsylvania can save you a substantial sum each month on your auto insurance bill. Bundling home and auto policies in Pennsylvania may generate a yearly discount of $161.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN PENNSYLVANIA
Avg. Annual Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,365.00$1,204.00$161.0013%

A great way to save is to bundle your home and auto insurance policies. Get started today!


Compare auto insurance rates today!