Pittsburgh Homeowners Insurance

How to find cheap homeowners insurance in Pittsburgh


Home insurance is an important part of owning a home. Fire, vandalism, theft, and wind damage are just some of the perils from which homeowners coverage can protect your dwelling and other personal belongings. Given the relatively frequent occurrence of these incidents and the substantial cost of replacing a home, having a home insurance policy is a solid investment.

The cost of homeowners insurance coverage is dependent on a number of factors. These include your dwelling's value, the value of your personal belongings, and the cost of the materials used to build your home. The location of your home also contributes to the price of your homeowners insurance policy. In areas prone to perils likewindstorms, hail, fire, or even theft , home insurance rates may be higher to account for the extra risk. Learn more about what a home insurance policy covers.

If you want to find inexpensive home insurance coverage in Pittsburgh, start with shopping around and comparing different policies. Check out the below summary of average home insurance premiums in Pittsburgh to begin your homeowners insurance search with as much info as you can. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Pittsburgh, Pennsylvania, homeowners insurance — table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling discounts

Home insurance in Pittsburgh by insurance company

What you pay for homeowners insurance in Pittsburgh will depend on the insurance company you get your policy through. Penn National Insurance offers the most affordable home insurance in Pittsburgh, at just $531 per year. This compares favorably to the city’s average homeowners premium of $835.

Below you'll find a list of the cheapest home insurance companies in Pittsburgh, Pennsylvania to help you begin your search.


AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN PITTSBURGH
CompanyAverage Annual Rate
Penn National Insurance$531
Safeco$608
Allstate$741
Erie$760
Encompass$819

Average homeowners insurance costs in Pittsburgh by coverage limit

How much you spend on home insurance coverage is greatly impacted by the level of coverage you choose. Homeowners in Pittsburgh who carry $200K in dwelling coverage pay an average of $577 per year, while those with coverage up to $400K pay around $1,212 per year.


HOMEOWNERS INSURANCE RATES IN PITTSBURGH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$380
$200,000 Dwelling$577
$250,000 Dwelling$779
$400,000 Dwelling$1,212

Compare Homeowners Insurance Rates

Pittsburgh home insurance rates by ZIP code

Homeowners insurance costs can vary depending on what area of Pittsburgh in which you live. One of the factors that insurers use when pricing your policy is the number of claims filed in your surrounding area. As such, the neighborhood you live in can dramatically impact your home insurance rates.

To find the most affordable homeowners insurance premiums in Pittsburgh, look no further than 15238. In the 15238 area, homeowners policies typically cost just $784 per year — a full $50 less than the Pittsburgh average. The below table shows the best places to live in Pittsburgh if you’re looking for affordable homeowners insurance.


AFFORDABLE ZIP CODES FOR HOMEOWNERS INSURANCE IN PITTSBURGH
ZIP CodeAverage Annual Home Insurance Rate
15238$784
15243$797
15215$802

On the other hand, some areas of Pittsburgh face higher homeowners insurance costs, on average. Crime rates, fire risk, and even your how close you are to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. One of the costliest ZIP codes for home insurance in Pittsburgh is 15289, with an annual average rate of $907.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN PITTSBURGH
ZIP CodeAverage Annual Home Insurance Rate
15289$907
15261$905
15282$904

Home insurance deductibles in Pittsburgh

One of the multiple decisions available when shopping for a homeowners policy is the amount of your deductible. A deductible is the amount for which a homeowner is responsible before an insurance company steps in to cover costs. Where you choose to set your homeowners deductible is directly related to how much you will pay for insurance.

In general, choosing a low deductible means that your insurance premiums will be higher. Therefore, if you are wanting lower home insurance rates, it pays to keep your deductible higher. Remember that your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The chart below outlines the typical premium costs affiliated with most deductibles.


HOME INSURANCE RATES BY DEDUCTIBLE TIER IN PITTSBURGH
Deductible LevelAverage Annual Homeowners Insurance Rate
$500$860
$1,000$779
$1,500$727
$2,000$671
$5,000$563

Looking for a money-saving tip for insurance in Pittsburgh? Try bundling

You might want to consider purchasing your auto and home insurance policies through the same company if you are searching for the best overall prices. Bundling your homeowners and auto insurance is one way to save substantially on your monthly car insurance premiums. Bundling policies in Pittsburgh could, in fact, lead to average annual savings of 11%.


CHEAPEST AUTO INSURANCE PREMIUMS WITH HOME BUNDLE IN PITTSBURGH
CompanyAvg. Annual Auto Insurance Rate (With Bundle)
GEICO$775
Erie$863
State Farm$931
Nationwide$1,161
Allstate$1,584

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money.


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Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.