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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.
Best homeowners insurance companies in Pennsylvania
Several of NerdWallet's Best Home Insurance Companies of 2021 offer policies in Pennsylvania. Here they are, along with the average annual premiums:
Average annual premium
*USAA is available only to active military, veterans and their families.
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Additional living expenses
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see Homeowners insurance: What it is and what it covers.
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.
» MORE: Chubb home insurance review
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.
» MORE: Nationwide home insurance review
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.
» MORE: State Farm home insurance review
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.
» MORE: USAA home insurance review
Cheapest homeowners insurance rates in Pennsylvania
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:
What to know about homeowners insurance in Pennsylvania
Here are a few things you'll want to keep in mind as you evaluate your options for home insurance in Pennsylvania:
You may be subject to a "named storm deductible." Some insurers in Pennsylvania may apply a special deductible when determining how much they'll cover for damage caused by a "named storm." This deductible is a percentage of your home's insured value rather than a flat dollar amount. So if your home is insured for $300,000 with a 5% deductible, you have to pay the first $15,000 of damage from a storm before your insurer will give you a cent. The deductible can apply to damage from a hurricane, tropical storm or even a tornado that occurs as part of a named storm.
You should also consider flood insurance. Flooding is a regular occurrence in Pennsylvania — the county with the least flooding still saw 15 flood events in the past 25 years. Flood damage isn't typically covered by homeowners insurance, so you'll likely need a separate flood insurance policy. Because almost every U.S. county has seen flooding at least once since 1996, flood insurance can be a good idea even if you don't live in an area prone to flooding.
Your rate will vary depending on where you live. Philadelphia is the most expensive part of the state for home insurance, with an average rate more than $250 higher than the second-closest county. To see the average rate where you live, here's a look at the county-by-county breakdown:
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:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.