Pittsburgh Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Pittsburgh


Home insurance is a critical element of homeownership. Fire, vandalism, theft, and wind damage are just a few of the perils for which homeowners insurance can protect your dwelling and other personal belongings. Events like this occur frequently. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a great move.

What you pay for homeowners insurance depends on many factors. This can include the overall value of your house, the value of your personal belongings, and the materials that were used when building your home. Your home's location can also impact how much you pay, as some locations are more prone to destructive hazards. If your area is at risk of being affected by hail, strong winds, fire, frozen pipes, or volcanic activity, then your premiums could be substantially higher than average. Find out more information about what a home insurance policy covers.

Finding affordable home insurance in Pittsburgh starts with shopping around and comparing policies. Have a look at the summary below comparing average homeowners insurance rates in Pittsburgh to help you get as much information as possible when you start your search for homeowners insurance. Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.


Pittsburgh, Pennsylvania, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Pittsburgh by insurance company

Homeowners insurance rates in Pittsburgh vary from one insurance company to another. 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.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Pittsburgh, Pennsylvania.


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 level

The level of homeowners coverage you select has an impact on the insurance premiums you pay. In Pittsburgh, carrying $200K dwelling coverage costs an average of $577, while carrying additional coverage up to $400K costs $1,081/year.


HOMEOWNERS INSURANCE RATES IN PITTSBURGH — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$577
$400K Dwelling$1,081

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Pittsburgh home insurance prices by ZIP code

Homeowners insurance premiums can vary depending on what part of Pittsburgh in which you live. The amount of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact in what you pay for home insurance.

The cheapest home insurance rates in Pittsburgh are available in 15238. In 15238, the typical home insurance policy costs $784 per year — $50 less than the citywide average in Pittsburgh. If you’re looking for the areas with the least expensive homeowners insurance in Pittsburgh, have a look at the table below.


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

Other parts of Pittsburgh, however, have home insurance costs that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which could drive up area rates. An average annual rate of $907 makes 15289 the most expensive ZIP code in Pittsburgh for home insurance.


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



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Money-saving tip: bundle home and auto insurance 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 can be a good money-saving option. Bundling policies in Pittsburgh could, in fact, lead to average annual savings of 11%.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN PITTSBURGH
CompanyAvg. Annual Auto Insurance Rate (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. Call 855-493-9728 to speak with an insurance professional today.


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