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If you live in a condo, your homeowners association is responsible for insuring the building and common areas, but it won’t cover your personal property if it gets destroyed or damaged. To protect your belongings, you’ll need to buy condo insurance, also known as HO-6 insurance.

The average condo insurance cost in Pennsylvania is $528 annually. However, your rates will vary depending on the coverage limit, zip code, and the insurance company you choose.

Read this guide to compare quotes from major insurance companies and find out which carrier offers the best rates for condo insurance in Pennsylvania.

KEY TAKEAWAYS
  • Condo owners in Pennsylvania pay an average of $528 per year or $44 per month in condo(HO6) insurance.
  • Erie is the cheapest condo insurance company in Pennsylvania at only $136 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 rating of all the major insurers across Pennsylvania. Below are the best condo insurance companies in Pennsylvania based on Insurance.com's analysis.

  • USAA
  • Erie
  • State Farm
  • Allstate
  • Nationwide

Compare best condo insurance companies in Pennsylvania

While looking for a condo insurance policy cost is important, but it shouldn't be the only thing to consider when buying condominium insurance. You should take into account the insurance company's customer service, financial stability, and claims handling.

Our team of experts has analyzed major insurance carriers across Pennsylvania using their J.D. Power score and AM Best rating. Based on Insurance.com's analysis, USAA tops the list of the best condo insurance companies with a J.D. Power score of 882 out of 1000 and it also gets an A++ rating from AM Best, which is the highest rating they offer. However, USAA offers its services only to military officials, veterans, and their family members.

With a J.D. power score of 835, Erie ranks second on our list. If not USAA, Erie is another great option for purchasing condominium insurance. Below we provide a list of the best condo insurance companies in Pennsylvania along with their J.D. Power score and AM Best rating.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
Erie835A+
State Farm835A++
Allstate829A+
Nationwide812A+
Travelers800A++

Average cost of condo insurance in Pennsylvania

The average cost of condo insurance in Pennsylvania is $528 a year or $44 per month. This rate is for the coverage level of $40,000 in personal property, $100,000 for liability protection with a $1000 deductible. Condo insurance rates can be as low as $29 or as high as $130 a month, depending on your location among other factors.

Average annual premiumAverage monthly premium
$528$44

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: $1,027

HIGHEST RATE: $3,434 LOWEST RATE: $158

Most & least expensive zip codes for condo insurance in Pennsylvania

Most Expensive

Zip CodeCityHighest Rate
19133Philadelphia$1,027
19140Philadelphia$996
19134Philadelphia$990
19122Philadelphia$989

Least Expensive

Zip CodeCityLowest Rate
17034Highspire$514
18351Portland$515
18013Ackermanville$515
18091Wind Gap$515

Condo insurance rates by companies in Pennsylvania

As we have mentioned above, your condo insurance rates vary depending on the insurance carrier you choose. Based on Insurance.com's rate analysis, Erie offers the most affordable rate for condo insurance in Pennsylvania at an average cost of $136 per year. That's $392 less expensive annually than the state average of ($528).

Compare the best condo insurance companies in Pennsylvania using their average annual premium mentioned below.

CompanyAverage annual premium
Erie$136
Allstate$322
Nationwide$383
State Farm$385
Travelers$408
USAA$1,161

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