The Best and Cheapest Home Insurance in Pennsylvania for 2022

Homeowners insurance rates in Pennsylvania are well below the national average.
Apr 26, 2022

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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. The average cost of homeowners insurance in Pennsylvania is $930 per year, according to NerdWallet’s rate analysis. That’s significantly less than the national average of $1,784 per year.

NerdWallet analyzed rates from insurers across the state to determine the best homeowners insurance in Pennsylvania. These rates are for a sample homeowner with $300,000 in dwelling coverage, $300,000 in liability coverage and a $1,000 deductible. Your own rates may vary.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data, and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

The best homeowners insurance in Pennsylvania

Several of NerdWallet's Best Home Insurance Companies offer policies in Pennsylvania. Here they are, along with their average annual premiums:

Company

Average annual rate

NerdWallet star rating

Erie

$774

4.5

NerdWallet rating 

$1,244

5.0

NerdWallet rating 

$1,259

5.0

NerdWallet rating 

$2,852

4.5

NerdWallet rating 

$1,125

4.5

NerdWallet rating 

*USAA home insurance is available only to active military, veterans and their families.

More about the best home insurance companies in Pennsylvania

Erie: Based in Pennsylvania, Erie is a regional insurer that offers guaranteed replacement cost for the structure of your home. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit. Not all insurers offer this option, but it’s worth considering as a hedge against rising construction costs.

Got a car to insure, too? If you bundle your home and auto insurance with Erie, you could get a discount of around 20%. You may also be able to save if your home has certain safety and security features such as smoke alarms or sprinkler systems.

Erie has drawn fewer consumer complaints to state regulators than expected for a company of its size, according to the National Association of Insurance Commissioners. Learn more about Erie homeowners, auto and life insurance in our Erie insurance review.

Nationwide: We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

Chubb: Chubb targets owners of high-value homes, with coverage that isn’t always the cheapest option but comes with plenty of perks.

For example, a standard Chubb homeowners policy includes extended replacement cost coverage for the structure of your home. That means if it costs more than expected to rebuild your house after a covered claim, Chubb will pay more than your dwelling coverage limit.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

Learn more about the company with our Chubb home insurance review.

Travelers: Travelers’ rates may be significantly higher than others for our sample homeowner, but it still might be worth getting a quote since your rates may differ. (You can do so on the Travelers website or by contacting an agent.)

The company has drawn fewer consumer complaints to state regulators than expected for an insurer of its size, according to the NAIC. You may be able to save money by bundling your homeowners and auto policies together. Other discounts may also be available.

Check out our Travelers home insurance review to learn more.

USAA: USAA sells homeowners insurance to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA’s offerings.

The company’s homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity theft.

USAA’s policies also generally include replacement cost coverage for your belongings. That means if your stuff is stolen or destroyed in a covered claim, the company will pay you enough to buy brand-new replacements rather than deducting for depreciation. Some other companies charge extra for this option.

Homeowners in Pennsylvania can take part in the company’s Connected Home program, which gives you a discount on your policy if you buy and install approved smart home devices. These include water leak sensors, cameras and thermostats.

Read our USAA home insurance review to learn more.

The cheapest homeowners insurance in Pennsylvania

Aside from the well-rated insurers listed above, Pennsylvanians have other options for homeowners insurance that are cheaper. Below are the companies with average annual rates below the state average.

Company

Average annual rate

NerdWallet star rating

Cumberland Mutual

$446

3.0

NerdWallet rating 

Penn National

$595

4.0

NerdWallet rating 

$604

4.0

NerdWallet rating 

$687

4.0

NerdWallet rating 

Westfield

$708

3.5

NerdWallet rating 

Erie

$774

4.5

NerdWallet rating 

$812

4.0

NerdWallet rating 

More about the cheapest companies

Cumberland Mutual: If you’re looking for a small regional insurer, Cumberland Mutual is one to consider. This New Jersey company also sells homeowners insurance in three other states, including Pennsylvania. You’ll find many common add-ons to choose from, including coverage for identity theft, water backup and damage to underground service lines. However, the company draws more complaints than expected for an insurer of its size, according to the NAIC.

Penn National: Based in Harrisburg, Penn National is another option for homeowners looking for a local insurer. If you’ve got a high-tech home, you may be eligible for a discount. The company offers savings for protective smart home devices such as water sensors, video doorbells and security cameras.

Allstate: If you like to handle insurance tasks online rather than by phone, Allstate may be a good choice. On its website you can get a quote, file and track claims, and get information about coverage basics. Pennsylvania homeowners can save by bundling their home and auto policies and by paying on time. If you choose the company’s Deductible Rewards program, your deductible will be reduced by $100 for each year you remain claim-free, up to $500. Check out NerdWallet’s Allstate home insurance review to learn more.

Farmers: Farmers policyholders in Pennsylvania may be eligible for a discount if they go at least three years without filing a claim. You can also ask about the Declining Deductibles feature, which reduces your deductible by $50 each year. Another way to save is by bundling your home and auto policies. For more details, see our Farmers home insurance review.

Westfield: Offering policies through independent agents, Westfield can customize coverage packages for standard or high-value homes. You may be able to add coverage for identity theft, the breakdown of major home systems and damage to underground service lines.

State Farm: America’s largest home insurer celebrates its 100th anniversary in 2022. One useful endorsement you may be able to add to a State Farm policy is an inflation guard rider, which automatically increases your policy limits to make sure your coverage doesn’t fall short. Another perk to consider is the company’s free Ting service. Ting is a smart home device that monitors your electrical system for fire hazards. Learn more in our State Farm home insurance review.

The best Pennsylvania homeowners insurance for different scenarios

If your circumstances differ from that of our sample homeowner, your rate options will look different. Here are the best companies for homeowners with poor credit, a history of claims, a new home or a high deductible.

The best homeowners insurance in Pennsylvania for those with poor credit

As in most U.S. states, insurers in Pennsylvania can use your credit-based insurance score to help set home insurance rates. An insurance score is similar to a traditional credit score but weighted a little differently. Because studies have linked low insurance scores with a higher chance of filing claims, people with poor credit tend to pay more for homeowners insurance.

Company

Average annual rate

NerdWallet star rating

Cumberland Mutual

$1,062

3.0

NerdWallet rating 

Penn National

$1,140

4.0

NerdWallet rating 

Donegal

$1,164

3.5

NerdWallet rating 

Selective

$1,219

3.5

NerdWallet rating 

Westfield

$1,434

3.5

NerdWallet rating 

The best homeowners insurance in Pennsylvania for those with a claims history

If you file a homeowners insurance claim, you can expect your rates to go up a bit at your next renewal. Below are the companies with the cheapest rates, on average, for homeowners with a recent water damage claim.

Company

Average annual rate

NerdWallet star rating

Cumberland Mutual

$592

3.0

NerdWallet rating 

Penn National

$669

4.0

NerdWallet rating 

Farmers

$791

4.0

NerdWallet rating 

Allstate

$804

4.0

NerdWallet rating 

Westfield

$874

3.5

NerdWallet rating 

The best homeowners insurance in Pennsylvania for newer homes

In general, newer homes are cheaper to insure than older ones. Below are the companies with the cheapest average rates for a home built in 2021.

Company

Average annual rate

NerdWallet star rating

Erie

$307

4.5

NerdWallet rating 

Cumberland Mutual

$354

3.0

NerdWallet rating 

Allstate

$358

4.0

NerdWallet rating 

Penn National

$372

4.0

NerdWallet rating 

Farmers

$507

4.0

NerdWallet rating 

The best homeowners insurance in Pennsylvania for higher deductibles

If you’re willing to increase your deductible and cover more of a potential claim yourself, you can generally lower your average annual home insurance rate. Below are the companies that will charge you the least, on average, for a policy with a $2,500 deductible.

Company

Average annual rate

NerdWallet star rating

Cumberland Mutual

$404

3.0

NerdWallet rating 

Penn National

$463

4.0

NerdWallet rating 

Allstate

$530

4.0

NerdWallet rating 

Farmers

$585

4.0

NerdWallet rating 

Erie

$659

4.5

NerdWallet rating 

Average homeowners insurance cost in Pennsylvania by city

How much you pay for homeowners insurance depends partly on where you live. Here’s a rundown of the average homeowners insurance cost in 20 of the state’s largest cities.

City

Average annual rate

Average monthly rate

Allentown

$900

$75

Altoona

$991

$83

Bethlehem

$985

$82

Easton

$936

$78

Erie

$955

$80

Harrisburg

$823

$69

Johnstown

$930

$78

Lancaster

$907

$76

Lebanon

$939

$78

Levittown

$1,151

$96

Mechanicsburg

$919

$77

Norristown

$982

$82

Philadelphia

$1,420

$118

Pittsburgh

$984

$82

Pottstown

$912

$76

Reading

$948

$79

Scranton

$912

$76

State College

$940

$78

West Chester

$906

$75

York

$905

$75

What to know about Pennsylvania homeowners insurance

Pennsylvania faces several types of natural disasters that could damage your home. Below are a few problems you might face, plus information on how to make sure your home is covered.

Flooding

Flooding is the most common disaster in the state, according to the Pennsylvania Emergency Management Agency

. A standard homeowners policy doesn’t cover flood damage, so you may want to buy separate flood insurance. (If you live in a high-risk area and have a mortgage, your lender may require it.)

Note that even if flood insurance isn’t mandated for your property, you may still be at risk. PEMA recently looked at all Pennsylvania flood locations reported to the National Weather Service between 1993 and 2021, and found that about 90% of those floods occurred outside the Federal Emergency Management Agency’s 100-year flood plain. The 100-year flood plain is an area where the risk of flooding is at least 1% each year.

Winter storms

Snow, sleet, ice and freezing rain are all common elements of a Pennsylvania winter, and they can lead to home damage like burst pipes and fallen trees. Most homeowners insurance policies cover damage due to snow and ice, with certain restrictions.

For example, you’d typically be covered if a blizzard knocked a tree on top of your home, damaging the roof or other parts of the structure. But if the tree simply fell over onto the lawn, you likely wouldn’t have coverage for the expense of hauling it away.

When it comes to frozen pipes, you’re generally covered as long as you’ve taken reasonable measures to prevent them. Say you went out of town for a week and a pipe burst because you left your thermostat set at 50 degrees. Your insurance company might refuse to pay for the damage because you didn’t keep your home warm enough to prevent pipes from freezing.

Tropical storms and tornadoes

Tropical storms and tornadoes can cause severe wind damage to Pennsylvania homes. Standard homeowners policies cover wind damage, but some policies may have a separate deductible for hurricanes, tropical storms or “named storms.”

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.

How to get the best home insurance

The best home insurance for you will give you the coverage you need at a price you can afford. Here are a few tips to help you find it.

Estimate your coverage needs. A standard homeowners policy includes the following types of coverage:

Coverage type

What it does

Typical amount

Covers damage to the home and attached structures, such as a porch.

Enough to rebuild your home.

Covers stand-alone structures on your property, such as a fence or shed.

10% of dwelling coverage.

Pays to repair or replace belongings that are stolen or damaged in a covered event.

50% to 70% of dwelling coverage.

Helps pay temporary living expenses while your home is being repaired.

20% of dwelling coverage.

Pays if you injure someone or cause property damage unintentionally or through neglect.

$100,000 to $500,000.

Medical payments

Pays to treat someone injured on your property, regardless of who’s at fault. Also pays if you, a family member or a pet injures someone elsewhere.

$1,000 to $5,000.

To better understand these coverage types and figure out how much you need, see our guide to homeowners insurance coverage.

Shop around. We recommend getting home insurance quotes from at least three different companies. You can do so online or by having an independent insurance agent shop around on your behalf. When evaluating quotes, make sure they all have the same coverage options and deductibles so you know you’re getting a fair comparison.

Read reviews. The cheapest company may not necessarily be the one with the best coverage and customer service. See NerdWallet’s homeowners insurance reviews for our ratings of more than a dozen popular companies.

Pennsylvania department of insurance

If you’ve got a question about your policy or a complaint about your insurer, the Pennsylvania Insurance Department may be able to help. You can use the agency’s website to file complaints, look up licensed agents and learn about homeowners insurance. You can contact the department with questions at 877-881-6388.

Looking for more insurance in Pennsylvania?

Frequently asked questions
Is homeowners insurance mandatory in Pennsylvania?

In Pennsylvania, homeowners insurance is not mandatory. But if you have a mortgage, your lender will likely require you to buy home insurance.

Can my homeowners insurance company drop me if I have too many claims?

In Pennsylvania, an insurance company can’t cancel your homeowners insurance policy based on your claims history. (It can, however, cancel your policy if you fail to pay your premium on time.)

How much is homeowners insurance per month in Pennsylvania?

The average cost of home insurance in Pennsylvania is $930 a year, which works out to about $78 per month, according to NerdWallet’s rate analysis. Your own rate may vary depending on where you live and how much coverage you need.

Methodology

NerdWallet averaged rates for 40-year-old homeowners 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 1997. 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.

  • $1,000 in medical payments coverage.

We used the same assumptions for all other homeowner profiles, with the following exceptions:

  • For homeowners with a claims history, we added a single wind or water damage claim.

  • To see the effect of changing your deductible, we raised the deductible from $1,000 to $2,500.

  • For homeowners with newer homes, we changed the year the house was built to 2021.

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

Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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