Erie Insurance is the best home insurance company in Pennsylvania for non-military homeowners, with an overall rating of 4.75. USAA whic is only available to military members and their families, earned the same score.
Allstate offers the cheapest home insurance in Pennsylvania at all coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in Pennsylvania. You need a reliable company that will provide you with quality service at an affordable price. Below we’ll tell you what you need to know.
Key takeaways
- The average home insurance cost in Pennsylvania is $1,760 per year or $146 per month.
- Allstate is the cheapest home insurance company in Pennsylvania at an average rate of $994 a year.
- Erie Insurance ranks as the best home insurance company in Pennsylvania for 2023.
What is the average home insurance cost in Pennsylvania?
The average cost of homeowners insurance in Pennsylvania is $1,760 a year or $146 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
- 2% Hurricane deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Pennsylvania homeowners insurance companies to get the best deal.
Best homeowners insurance companies in Pennsylvania
The best home insurance company in Pennsylvania for 2023 is Erie Insurance, which is tied wuth USAA and followed by State Farm.
Below is a full list of the top Pennsylvania insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
*USAA only provides coverage to military members, veterans, and their families.
Cheapest home insurance companies in Pennsylvania
Below are Pennsylvania home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our analysis, you’ll see Allstate has the most affordable rates in every category by a wide margin.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Allstate | $ 896 | $ 994 | $ 1,085 | $ 1,185 | $ 1,284 |
| Erie Insurance | $ 934 | $ 1,306 | $ 1,706 | $ 2,067 | $ 2,437 |
| State Farm | $ 1,070 | $ 1,392 | $ 1,609 | $ 1,979 | $ 2,325 |
| USAA | $ 1,132 | $ 1,436 | $ 1,699 | $ 1,948 | $ 2,180 |
| Nationwide | $ 1,214 | $ 1,647 | $ 2,141 | $ 2,607 | $ 3,183 |
| Farmers | $ 1,321 | $ 1,893 | $ 2,289 | $ 2,716 | $ 3,054 |
| Travelers | $ 4,261 | $ 5,193 | $ 4,864 | $ 5,722 | $ 6,688 |
*USAA only provides coverage to military members, veterans, and their families.
Pennsylvania home insurance rates by ZIP code
Home insurance rates vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Pennsylvania to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa Clara | $743 |
The most expensive ZIP codes in Pennsylvania for home insurance
Pennsylvania homeowners insurance rates are the most expensive for ZIP code 19141, with an average annual cost of $2,854.
The most expensive ZIP codes in Pennsylvania are:
| ZIP code | Average annual rates |
|---|---|
| 19141 | $ 2,854 |
| 19138 | $ 2,842 |
| 19142 | $ 2,797 |
| 19126 | $ 2,797 |
| 19140 | $ 2,780 |
| 19190 | $ 2,776 |
The least expensive ZIP codes in Pennsylvania for home insurance
The cheapest ZIP codes for home insurance in Pennsylvania are:
| ZIP code | Average annual rates |
| 15101 | $ 1,533 |
| 15044 | $ 1,552 |
| 15238 | $ 1,553 |
| 15090 | $ 1,557 |
| 15144 | $ 1,558 |
| 15076 | $ 1,560 |
FAQs by Pennsylvania homeowners
Does homeowners insurance cover floods?
Home insurance does not cover you if your home is damaged by a flood.
Instead, you need to buy a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a home insurer that works with the NFIP.
How do I file a homeowners insurance complaint in Pennsylvania?
If you have a dispute that you cannot resolve, you can file a complaint with the Pennsylvania Insurance Department. You will need to register at the PID website before you can file a formal complaint.
If you prefer, you can download a complaint form and send it in by mail to:
Pennsylvania Insurance Department
1209 Strawberry Square
Harrisburg, PA 17120
What if I can’t get home insurance?
Pennsylvania’s Fair Plan guarantees the availability of basic fire insurance coverage for your home. To learn more, visit the Fair Plan website or call 1-800-462-4972.
Is home insurance required in Pennsylvania?
Like other U.S. states, Pennsylvania does not require home insurance. However, if the home is financed through a lender, the lender will require home insurance coverage. In fact, they won't lend you the money without it and require you to maintain coverage as long as money is still owed on the home.
