Average homeowners insurance cost in Pittsburgh, PA

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In Pittsburgh, homeowners pay an average annual rate of $1,778 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $726 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Pittsburgh, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Pittsburgh, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Pittsburgh.

Key takeaways

The cost of your homeowners insurance policy in Pittsburgh can vary based on factors such as your location, the value of your home, and the coverage options you select.
Allstate is the cheapest homeowners insurance company in Pittsburgh with an average annual premium of $997.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $410 more, annually for home insurance.

Average homeowners insurance cost in Pittsburgh per month

Pittsburgh homeowners pay an average of $148 a month, based on our rate analysis. It’s $9 less than the state average of $157 and $61 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Pittsburgh may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Pittsburgh

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,368 per year in Pittsburgh, PA. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Pittsburgh

According to a rate analysis by Insure.com, homeowners in Pittsburgh pay an average of $1,778 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $410 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Pittsburgh by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Pittsburgh. It’s average annual rate for Pittsburgh homeowners is $997. State Farm ranks second and Erie Insurance makes it to the third spot with an average annual home insurance rate of $1,388.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Pittsburgh and prepared a list of the cheapest home insurance providers. You can find below the Pittsburgh home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Allstate	$997
State Farm	$1,381
Erie Insurance	$1,388
Nationwide	$1,423
Farmers	$2,032
Travelers	$4,482
USAA*	$1,467

*USAA is only available to military community members and their families.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Pittsburgh for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.