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How to find affordable 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 home 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 average homeowners policy costs $70 per month in Pittsburgh, Pennsylvania. This is substantially less than the national average monthly cost of home insurance.
The cost of home insurance 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 insurance policy. In areas prone to perils like windstorms, hail, fire, or 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 policy is based on the coverage limits you choose as well as a variety of other factors.
Table of contents:
- Rates by insurer
- Rates by coverage amount
- Rates by ZIP code
- Rates by deductible amount
- Policy bundling savings
Pittsburgh home insurance by 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 start your search. We recommend you also check out our list of which home insurance carriers ranked best for customer satisfaction to help you make a well-rounded decision.
AFFORDABLE HOME INSURERS IN PITTSBURGH
|Company||Average Annual Rate|
|Penn National Insurance||$531|
Pittsburgh homeowners insurance prices by coverage level
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.
POPULAR COVERAGE LIMITS IN PITTSBURGH
|Coverage Level||Average Annual Rate|
Pittsburgh home insurance rates by ZIP code
Home insurance costs in Pittsburgh can vary depending on the area 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 ZIP, home 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 HOME INSURANCE AREAS IN PITTSBURGH
|ZIP Code||Average Annual Home Insurance Rate|
On the other hand, some areas of Pittsburgh face higher 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 per year.
EXPENSIVE HOME INSURANCE AREAS IN PITTSBURGH
|ZIP Code||Average Annual Home Insurance Rate|
Pittsburgh homeowners insurance deductibles
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 their 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 PREMIUMS BY DEDUCTIBLE LEVEL IN PITTSBURGH
|Deductible Level||Average Annual Homeowners Insurance Rate|
Home and auto insurance bundling in Pittsburgh
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 CAR INSURANCE RATES WITH HOME BUNDLE IN PITTSBURGH
|Company||Avg. Annual Auto Insurance Rate (With Bundle)|
Compare quotes on Pittsburgh, PA home insurance today!
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.