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Condo insurance isn’t required by law in Pennsylvania, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Pennsylvania, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Pennsylvania with average annual rates.

Key takeaways

  • The residents of Pennsylvania pay an average of $612 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, State Farm is the top pick for the best condo insurance company in Pennsylvania.
  • State Farm offers the cheapest condo insurance in Pennsylvania at an average of $292 per year.

Best condo insurance companies in Pennsylvania

In Pennsylvania, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in Pennsylvania. Below are the best condo insurance companies in Pennsylvania based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
4.3
USAA884A++
4.0
Erie Insurance827A+
3.8
Allstate815A+
3.7
Nationwide816A+
3.5
Travelers794A++
2.6
Farmers792A
2.6

Average cost of condo insurance in Pennsylvania

The average cost of condo insurance in Pennsylvania is $612 a year or $51 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$612$51

CONDO INSURANCE CALCULATOR

Average condo insurance rates in PENNSYLVANIA

$60,000
$1,000
$100,000
19133 - Philadelphia
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,112

HIGHEST RATE: $3,047 LOWEST RATE: $150

Most & least expensive zip codes for condo insurance in Pennsylvania

Most Expensive

Zip CodeCityHighest Rate
19122Philadelphia$1,221
19124Philadelphia$1,208
19140Philadelphia$1,206
19121Philadelphia$1,204

Least Expensive

Zip CodeCityLowest Rate
18351Portland$622
16911Arnot$626
18002Lehigh Valley$628
18001Lehigh Valley$631

Condo insurance rates by company in Pennsylvania

Rates for condo insurance by company in Pennsylvania vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Pennsylvania. The cheapest company for condo insurance in Pennsylvania is State Farm. Allstate, and Erie Insurance, are the second and third cheapest options.

CompanyAverage Annual Rate
State Farm$292
Allstate$353
Erie Insurance$370
Nationwide$444
Farmers$568
USAA$831
Travelers$934

Methodology

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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