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


Another option to consider for your insurance needs is Hippo. Hippo offers customizable coverage to suit your insurance needs.  Click below to get started.



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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
City
Average 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 Savings
Bundle Savings %
$1,365.00
$1,204.00
$161.00
13%

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

 

Compare rates from top car insurance companies.

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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.