Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Pennsylvania, offering the best perks for high-value homes.
NJM offers the best coverage for most homes.
Amica is our pick for a strong consumer experience.
State Farm offers the best value.
USAA is our top choice for military families.
Pennsylvania homeowners have many insurers to choose from, but they’re not all equal when it comes to price, coverage and customer service. To help you find the best home insurance in Pennsylvania, we evaluated insurance companies across the state. Below are the ones that came out on top.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Pennsylvania
best coverage for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb serves owners of high-value homes with generous policies and high coverage limits. For example, you may be able to get up to $100 million of personal liability coverage in case someone sues you.
Standout feature: Chubb policyholders may be eligible for the company’s HomeScan service. It uses infrared cameras to look for problems behind the walls of your home.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
best coverage for most homes
NJM
- Includes coverage other companies charge extra for.
- Very low rate of consumer complaints.
- Many extra coverage options available.
- No app to manage your policy.
Why it’s worth a look: NJM’s policies come with generous coverage for the structure of your home. The company will pay the full cost to rebuild your house, even if it’s more than your dwelling limit. (Not all companies offer this coverage.)
Standout feature: A standard NJM policy will cover damage if water backs up into your home from a sewer or drain. Most insurers charge extra for this type of coverage.
Average rates: Not available.
» READ MORE: NJM homeowners insurance review
best consumer experience
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica is a perennial favorite in J.D. Power’s surveys on home insurance and customer satisfaction. The company also offers many ways to get help with your policy. For instance, you can contact the company via live chat, by phone or email, or even in person.
Standout feature: Amica’s Platinum Choice Home is a package of extra coverage for your house and belongings. It offers higher liability limits, plus broader insurance for valuable items like computers.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: Of our top-rated companies in Pennsylvania, State Farm had some of the most affordable rates. But the company’s low rates don’t mean you have to sacrifice coverage. Its policies generally include extra coverage in case it costs more than expected to rebuild your home.
Standout feature: State Farm offers policyholders in Pennsylvania a free Ting device. This smart technology monitors your home's electrical system to help prevent fires.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,410 |
$400,000 | $1,720 |
$500,000 | $2,085 |
$600,000 | $2,400 |
$700,000 | $2,720 |
» READ MORE: State Farm homeowners insurance review
best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA sells homeowners insurance to active military, veterans, some federal workers and their families. The company offers perks for those in active service, such as deductible-free coverage for military uniforms and equipment.
Standout feature: USAA’s policies include identity theft coverage to help you recover after a cyber incident. Many companies charge extra for this coverage.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $825 |
$400,000 | $1,020 |
$500,000 | $1,155 |
$600,000 | $1,275 |
$700,000 | $1,415 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Pennsylvania
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$2,310 | ||
Not available |
How much does homeowners insurance cost in Pennsylvania?
The average cost of homeowners insurance in Pennsylvania is $2,045 per year, or about $170 per month. That's 32% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Pennsylvania homes is $453,053, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,410 |
$400,000 | $1,720 |
$500,000 | $2,045 |
$600,000 | $2,400 |
$700,000 | $2,720 |
The rates above are for homeowners with good credit. In Pennsylvania, policyholders with poor credit pay an average of $4,350 per year — an increase of 113%.
Average cost of homeowners insurance in Pennsylvania by city
The amount you pay will depend on where you live in the state. For example, the average cost of homeowners insurance in Philadelphia is $2,775 per year, while Pittsburgh homeowners pay $2,085 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Allentown | $1,860 | $155 |
Altoona | $1,975 | $165 |
Bethlehem | $1,875 | $156 |
Carlisle | $1,815 | $151 |
Chambersburg | $1,850 | $154 |
Chester | $2,475 | $206 |
Easton | $1,950 | $163 |
Erie | $2,085 | $174 |
Harrisburg | $1,915 | $160 |
Hazleton | $2,080 | $173 |
Lancaster | $1,935 | $161 |
Lebanon | $1,910 | $159 |
New Castle | $2,090 | $174 |
Norristown | $2,245 | $187 |
Philadelphia | $2,775 | $231 |
Phoenixville | $2,280 | $190 |
Pittsburgh | $2,085 | $174 |
Pottstown | $2,090 | $174 |
Reading | $1,890 | $158 |
Scranton | $1,975 | $165 |
State College | $1,840 | $153 |
West Chester | $2,150 | $179 |
Williamsport | $1,895 | $158 |
York | $1,935 | $161 |
The cheapest homeowners insurance in Pennsylvania
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
Selective
Not rated
$765
Cumberland Mutual
Not rated
$770
Donegal
Not rated
$980
Penn National
Not rated
$1,330
$825
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Selective
Not rated
$960
Cumberland Mutual
Not rated
$1,030
Donegal
Not rated
$1,170
Penn National
Not rated
$1,615
$1,020
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Selective
Not rated
$1,145
Cumberland Mutual
Not rated
$1,330
Donegal
Not rated
$1,360
Penn National
Not rated
$1,945
$1,155
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Selective
Not rated
$1,305
Donegal
Not rated
$1,555
Cumberland Mutual
Not rated
$1,630
Penn National
Not rated
$2,310
$1,275
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Selective
Not rated
$1,470
Donegal
Not rated
$1,765
Cumberland Mutual
Not rated
$1,935
Penn National
Not rated
$2,670
$1,415
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Pennsylvania home insurance problems
Flooding. Flooding is one of the state’s most common natural disasters, according to the Pennsylvania Emergency Management Agency. Homeowners insurance usually doesn’t cover this type of 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.) Read more about how to find the best flood insurance.
You can check your flood risk with Pennsylvania’s Flood Risk Tool, which incorporates federal flood maps and additional data. However, federal maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Winter storms. Snow, sleet, ice and freezing rain can lead to burst pipes and fallen trees, which can damage your home. Most homeowners insurance policies will cover damage caused by snow and ice, with certain restrictions. For instance, if a blizzard knocks a tree onto your home, the damage would likely be covered. But if the tree fell onto the lawn, your insurer likely won’t pay to haul it away. Learn more about home insurance and tree removal.
Thunderstorms, tropical storms and tornadoes. Homeowners insurance usually covers damage from wind and hail. However, some policies may have a separate deductible for hurricanes, tropical storms or “named storms.”
This deductible is usually a percentage of your home's dwelling coverage limit rather than a flat dollar amount. So if your home is insured for $400,000 with a 2% named storm deductible, you’ll have to pay for the first $8,000 of damage from a storm.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Pennsylvania FAIR Plan
The Pennsylvania FAIR Plan has been the state’s insurer of last resort since 1968. If you’re having trouble finding home insurance in the standard insurance market, the FAIR Plan may be able to help.
You can get a quote and apply for a policy online, or work with a licensed agent. The maximum coverage limit available for residential dwellings insured through Pennsylvania’s FAIR Plan is $500,000.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Pennsylvania Insurance Department
If you’ve got a question about your policy or a complaint about your insurer, turn to the Pennsylvania Insurance Department. You can use the agency’s website to file complaints, look up agents and learn about home insurance in multiple languages. Contact the department with questions at 877-881-6388.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't legally required in Pennsylvania. But if you have a mortgage, your lender will likely require you to buy it. For more information, read Is Homeowners Insurance Required?
In Pennsylvania, an insurance company can’t cancel your homeowners insurance policy based on your claims history. However, it can cancel your policy if you don't pay your premium on time.
Consider the following ways to reduce your premiums:
Shop around with at least three companies to make sure you’re getting the best deal.
Bundle home and auto insurance from the same company. See the best home and auto bundles.
Ask your insurer if there are any other discounts you might be eligible for.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Commonwealth of Pennsylvania. Possible Hazards. Accessed Mar 13, 2026.
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with 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.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
