Average homeowners insurance cost in Pittsburgh, PA

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of homeowners insurance in Pittsburgh is $1,778 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $726 less than the national average of $2,504 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Pittsburgh depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers. This will enable you to find the coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Pittsburgh, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Pittsburgh.

Key Takeaways

The average cost of homeowners insurance in Pittsburgh is $1,778 per year.
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 just have to pay $410 more a year for home insurance.

Average homeowners insurance cost per month

Residents of Pittsburgh pay an average of $148 per month for homeowners insurance. This is $9 less than the state average of $157 and $61 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Pittsburgh can vary depending on your location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Pittsburgh, PA is $1,368 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.

Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.

Average homeowners insurance cost for a $300,000 house

Homeowners in Pittsburgh typically pay an average of $1,778 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $410 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Pittsburgh by company

After comparing several homeowners insurance companies, Allstate offers the lowest rates in Pittsburgh. Its average annual rate for homeowners in Pittsburgh is $997 , while State Farm is the second-cheapest.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Pittsburgh and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Pittsburgh and their average annual premiums.

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.

Bundling your home insurance with other policies, like auto insurance, can lead to significant savings. Insurance companies often offer discounts for customers who combine multiple policies. By bundling, you can reduce your premiums and manage your insurance needs with one company.

Natural disasters in Pennsylvania that can impact your home insurance

Natural disasters are a part of life in Pennsylvania, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Pennsylvania is commonly affected by Heat wave.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

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.

How much is home insurance in other cities?

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.