The Best Home Insurance in Pennsylvania for 2021

Even in the most expensive areas of the state, rates are well below the national average.
Doug SiborAug 24, 2021

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If you're a homeowner in Pennsylvania, you'll typically pay a lot less than the national average for home insurance. At an average of $801 per year, home insurance in Pennsylvania costs just more than half of the $1,585 national average.

NerdWallet analyzed rates from 12 different insurers in the state to determine the best homeowners insurance in Pennsylvania. Keep in mind that these rates are estimates and depend on many different factors, so yours may vary.

Several of NerdWallet's offer policies in Pennsylvania. Here they are, along with the average annual premiums:

You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:

For more details, see .

Here's a little bit more about each company and the extras they offer.

Although Chubb is one of the most expensive insurers in the state, its standard policy includes coverage options for which others often charge extra. For example, homeowners who buy Chubb's Masterpiece policy can receive the full amount it costs to replace damaged or destroyed personal items rather than the items' depreciated value.

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Nationwide includes ordinance or law coverage as part of its standard homeowners insurance policy. That means if you need to bring your home up to current building codes as part of a claim, Nationwide pays some or all of the costs. Nationwide also covers up to $500 in unauthorized credit or debit charges as part of its standard policy.

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State Farm's standard "increased dwelling limit" coverage may appeal to homeowners because of the financial cushion it provides if you need to rebuild your home. As long as the home is insured for the amount State Farm estimates it will cost to replace it, State Farm provides up to an additional 20% of that amount should costs go up while rebuilding.

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If you're an active military member or a veteran, or are a family member of one, USAA offers several benefits that normally cost extra from other insurers. Identity theft coverage and replacement cost for damaged or stolen personal items are just two of the benefits available to policyholders in most states.

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NerdWallet looked at the rates from each insurer in all 1,903 ZIP codes in Pennsylvania to find the lowest home insurance premiums in the state. We found a statewide average annual premium of $801, but your rate may vary depending on where you live. The difference between the cheapest and most expensive rates in Pennsylvania was over $600 per year.

Here are the five cheapest homeowners insurance rates in Pennsylvania:

And here's a look at all of the available rates:

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Here are a few things you'll want to keep in mind as you evaluate your options for home insurance in Pennsylvania:

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Methodology

NerdWallet averaged rates for 40-year-old men and women from a variety of insurance companies in every ZIP code across the state. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1983. They had a $1,000 deductible and the following coverage limits:

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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