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 find cheap homeowners insurance in Pennsylvania

Homeowners insurance is an optional — but important — product that works to keep your belongings safe in the event your house or property suffers damage from common incidents. A homeowners policy protects your home and your items in the event of a variety of calamities, including fire, theft, vandalism, or wind damage.

Unlike auto insurance, homeowners policies aren’t priced based on state-level legislation. Even so, major discrepancies exist in home insurance rates from state to state. Home insurance prices in states diverge depending on the total number and value of homeowners claims lodged statewide, and depend on the value of the belongings and structures covered by the policy.

The easiest way to get an affordable homeowners insurance policy in Pennsylvania is to view prices from as many homeowners insurance companies as you can. Learn more about homeowners insurance costs in Pennsylvania by reviewing the below data. Remember: your rates will vary, depending on your coverage limits.

Homeowners insurance in Pennsylvania:
  1. Rates by company
  2. Rates by city
  3. Home-and-auto bundling discounts
  4. FAQs

Home insurance prices in Pennsylvania by insurer

Home insurance prices in Pennsylvania differ depending on which insurance company you select. Penn National Insurance offers the best deal on home insurance in Pennsylvania — $495 each year. This compares favorably to the state average cost of $851, offering a $356 discount on the typical rates in the state.

Start your search for a homeowners insurance policy by viewing average rates from top Pennsylvania carriers, listed below.

CompanyAverage Yearly Rate in Pennsylvania
Penn National Insurance$495.27
Truck Insurance$534.67

Pennsylvania home insurance costs: by city

Homeowners insurance rates in Pennsylvania differ by city. Prices may depend on city-specific variables, including the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest home insurance rates in Pennsylvania are in Lancaster. The average home insurance policy in Lancaster costs only $685 each year — $167 less than the average homeowners policy in other Pennsylvania cities. The below table shows the best places to live in Pennsylvania if you’re looking for cheap homeowners insurance.

CityAverage 12-Month Home Insurance Rate

Home and auto insurance bundles in Pennsylvania

If you want to save on home insurance, consider buying your home and auto policies from the same insurance company. Bundling homeowners and auto insurance in Pennsylvania can lead to substantial savings on auto insurance. Bundling home and auto policies in Pennsylvania may earn you average annual savings of $161.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is bundling. Start shopping today!

Looking for info on home insurance in a specific city? Check out our breakdown of major 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.

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