Home Home insurance Best home insurance companies Best and cheapest homeowners insurance companies in Pennsylvania Best and cheapest homeowners insurance companies in Pennsylvania The best home insurance company in Pennsylvania is Farmers, based on our analysis of rates and third-party ratings. Shop around to find the best company for your particular needs. View Carriers Please enter valid zip Compare top carriers in your area Written by Chris Kissell Chris Kissell Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Posted on: July 29, 2024 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. Many factors determine the price you will pay for homeowners insurance in Pennsylvania. No two homeowners have identical situations, so the best insurer for you might be different from the best insurer for your neighbor. However, on average, Allstate offers the best deal on homeowners insurance in Pennsylvania. You can expect to pay $1,180 annually – if you buy a policy with Allstate. Cheap isn’t everything, and we analyzed third-party ratings to determine the best home insurance company in Pennsylvania; our rankings found Farmers at the top. Key Takeaways In Pennsylvania, Allstate offers the cheapest homeowners insurance coverage, at $98 a month, or $1,180 annually. Overall, the best home insurance company in Pennsylvania is Farmers based on our analysis of rates and third-party ratings. Shopping around and comparing quotes is the best way to save on homeowners insurance in Pennsylvania. Our take: The best homeowners insurance in Pennsylvania of 2024 Farmers is the best insurance company in Pennsylvania overall, based on rates, AM Best rating and National Association of Insurance Commissioners (NAIC) complaints data. All of these points show that Farmers is financially stable, has a solid reputation and offers affordable home insurance. Affordability isn’t the only factor to keep in mind when purchasing insurance. It is also important to make sure your policy offers the coverage you need, and that the insurer you choose has a solid reputation for excellent customer service. However, the cheapest home insurance company in Pennsylvania overall is Allstate. Insure.com’s choice: Compare the best homeowners insurance companies in Pennsylvania When purchasing insurance in Pennsylvania, it’s important to compare providers. The right insurance company for someone else might be the wrong insurer for you. Here are our picks for the top insurance companies in Pennsylvania. Company groupAnnual premiumAM Best ratingNAIC ratingOverall rating (out of 5)Farmers$2,072A0.545.00Allstate$1,180A+0.904.21Nationwide$1,592A+0.874.17Travelers$5,232A++0.544.13State Farm$1,424A++0.954.05 A closer look at the top homeowners insurance companies Farmers Farmers is the No. 1 company for home insurance in Pennsylvania in 2024. Insure.com ranked it 5 out of 5 stars. Homeowners can expect to pay an average of $2,072 annually for a Farmers policy. A large percentage of customers – 82% – say they would recommend Farmers to others looking for home insurance. Farmers has a 0.54 complaint ratio from the National Association of Insurance Commissioners. It earns an AM Best rating of A. Allstate Allstate is the No. 2 company for home insurance in Pennsylvania in 2024. It received 4.21 out of 5 stars in Insure.com’s ranking. Homeowners can expect to pay an average of $1,180 annually for an Allstate policy. A large percentage of Allstate customers – 89% – say they plan to renew their homeowners coverage with the company. Allstate has a 0.9 complaint ratio from the National Association of Insurance Commissioners. It has an AM Best rating of A+. Nationwide Nationwide is the No. 3 company for home insurance in Pennsylvania in 2024. It received 4.17 out of 5 stars in Insure.com’s ranking. Homeowners can expect to pay an average of $1,592 annually for a Nationwide policy. A full 92% of Nationwide customers plan to renew their homeowners policy with the company. Nationwide has a 0.87 complaint ratio from the National Association of Insurance Commissioners. It earns an AM Best rating of A+. Travelers Travelers lands in the No. 4 spot for home insurance in Pennsylvania with a score of 4.13. Travelers’ rates are higher than other options at an average of $5232 a year, but the company has the best possible AM Best rating at A++ Travelers’ NAIC rating is a low 0.54, indicating a low complaint volume. In our survey, 90% of Travelers customers said they would recommend it to others. State Farm State Farm is the No. 5 company for home insurance in Pennsylvania in 2024. It received 4.05 out of 5 stars in Insure.com’s ranking. Homeowners can expect to pay an average of $1,424 annually for a State Farm policy. State Farm gets high marks for customer service, with 85% of its customers expressing satisfaction. The company has a 0.95 complaint ratio from the National Association of Insurance Commissioners. It has the best possible AM Best rating of A++. How we picked Insure.com’s top-rated home insurance companies We used sample rates from Quadrant Data Services for coverage of $300,000 for both dwelling and liability coverage and a $1,000 deductible. We analyzed more than 20 million quotes from 82 companies. We also gathered AM Best financial stability scores for each insurance company as well as each company’s NAIC complaint ratio, examining how many complaints that company receives from consumers compared to the average. We used these data points to create a score out of five. Only companies for which all three data points are available were included in the comparison. Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Pennsylvania by cityAllentownEriePhiladelphiaPittsburghReadingCheapest home insurance carriers in Pennsylvania While Allstate offers the cheapest insurance nationwide, the cheapest insurer can vary from state to state. Here are the cheapest insurance companies in Pennsylvania. Company groupAnnual premiumMonthly premiumAllstate$1,180 $98 Erie Insurance$1,367 $114 State Farm$1,424 $119 Nationwide$1,592 $133 Farmers$2,072 $173 Travelers$5,232 $436 USAA$1,496 $125 What is the average cost of homeowners insurance in Pennsylvania? The average homeowners insurance cost in Pennsylvania is $1,911. That’s $690 lower than the national average of $2,601. Your rates will vary based on your location within the state and personal factors, including the size and construction of your home. Annual premiumMonthly premiumDifference compared to national avg.$1,911$159$690 less Estimate cost and get homeowners insurance quotes in Pennsylvania Insure.com’s home insurance calculator can help you gather quotes and estimate how much a homeowners insurance policy might cost. The estimates are based on several important factors, such as the amount of coverage you intend to purchase, the deductible you choose and where you live. Homeowners insurance rates by state calculator See how the average annual home insurance rates vary with the options chosen. State AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000$300,000$400,000$600,000$1,000,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $100,000 or $300,000 are recommended. $100,000$300,000 Deductible Standard ($1000)Hurricane (2% of insured value) Filter Average Annual Home Insurance Rates In Pennsylvania $2,025 Average rate $9,367 Highest rate The estimated highest premium in Pennsylvania $765 Lowest rate The estimated lowest premium in Pennsylvania START SHOPPING NOW Home insurance companies in Pennsylvania Company Average annual rate Allstate $1,160 Erie Insurance $1,358 State Farm $1,409 USAA $1,496 Nationwide $1,554 Farmers $2,024 Travelers $5,176 Things to consider when shopping for homeowners insurance Your mortgage lender will require you to purchase replacement cost homeowners insurance coverage. That means you will have enough coverage to rebuild your home at today’s prices. Standard home insurance policies provide this coverage, but it’s important to make sure the replacement cost calculation is accurate. When shopping for coverage, gathering several quotes from various insurance companies is the best way to find the policy you need at the best possible price. It’s also important to remember that price isn’t everything; check up on the reputation of the insurance company before you buy a policy. Start with our list of the best home insurance companies. The most common natural disasters in Pennsylvania The risk of natural disasters varies from state to state. While it can seem obvious on the surface – California residents worry about wildfires, homeowners in Oklahoma face tornadoes and in Florida hurricanes wreak havoc – the biggest risk may surprise you. According to the Federal Emergency Management Agency (FEMA), the natural disaster most likely to strike in Pennsylvania is Heat wave. Make sure you have the coverage you need in the event of a natural disaster. Risks like floods and earthquakes are not covered by standard home insurance. Natural hazard(s)Expected annual lossHeat waveVery High Frequently asked questions Does home insurance cover windstorms in Pennsylvania? Homeowners insurance typically covers wind damage. However, in some states – particularly those vulnerable to damage from hurricanes – your homeowners policy might have a separate deductible for storms such as hurricanes or tropical storms. These deductibles are often much higher than the deductible that applies to the rest of your homeowners insurance coverage. Pennsylvania does allow separate deductibles for hurricanes and windstorms. In some cases, windstorm coverage has to be purchased separately; make sure to ask when you buy a policy. Do I need flood insurance in Pennsylvania? If you live in a high-risk flood zone in Pennsylvania, you need to purchase flood insurance. A standard homeowners insurance policy does not cover damage from floods. You can check your flood zone on FEMA’s flood maps. About 90% of all natural disasters include flooding, according to the federal government’s National Association of Insurance Commissioners, so all homeowners should consider flood insurance. How can I save on homeowners insurance? The best way to save on homeowners insurance is to shop around and compare quotes from a handful of insurance companies. That way, you can find the coverage you need at the best possible price. Raising your deductible can also lower your premium costs. However, remember that if you file a claim, you will have to pay your deductible in full before the insurance company will begin to reimburse you for the claim. Most insurance companies also offer many different types of discounts to eligible policyholders. For example, one way to save is to bundle your policies by purchasing more than one type of insurance with the same insurance company. Another way to save money is to install smoke detectors and security systems, says Theresa Breunig-Silbernagel, head of strategy and experience at Main Street America Insurance. “Smart home systems such as motion sensors, video doorbells and water leak sensors will send you an alert on your cell phone so you can handle the issue before it becomes a real problem,” she says. “Often, these installed devices can result in discounts.” Methodology Insure.com commissioned home insurance rates from Quadrant Data Services in all 50 states as well as Washington, D.C. with coverage levels of $300,000 for dwelling and liability and with a $1,000 deductible. Average rates were calculated using quotes from 82 insurance companies. To rank insurance companies, we used the average rate in the state along with NAIC complaint ratios and AM Best financial stability ratings. Natural disaster data was drawn from FEMA’s National Risk Index. Sources National Association of Insurance Commissioners. “Flood Insurance/National Flood Insurance Program (NFIP).” Accessed April 2024. Best and cheapest home insurance in other statesAlabama$3,147/YearAlaska$1,708/YearArizona$2,490/YearArkansas$3,958/YearCalifornia$1,405/YearColorado$4,099/YearConnecticut$2,231/YearDelaware$1,384/YearFlorida$4,419/YearGeorgia$2,302/YearHawaii$613/YearIdaho$1,961/YearIllinois$3,062/YearIndiana$2,991/YearIowa$2,654/YearKansas$4,843/YearKentucky$3,326/YearLouisiana$3,594/YearMaine$1,391/YearMaryland$1,715/YearMassachusetts$1,640/YearMichigan$2,411/YearMinnesota$2,420/YearMississippi$3,380/YearMissouri$3,543/YearMontana$3,289/YearNebraska$4,800/YearNevada$1,467/YearNew Hampshire$1,221/YearNew Jersey$1,526/YearNew Mexico$2,647/YearNew York$1,816/YearNorth Carolina$2,941/YearNorth Dakota$3,147/YearOhio$2,160/YearOklahoma$5,858/YearOregon$1,755/YearRhode Island$1,950/YearSouth Carolina$2,678/YearSouth Dakota$3,390/YearTennessee$3,060/YearTexas$3,851/YearUtah$1,802/YearVermont$1,263/YearVirginia$2,151/YearWashington$1,612/YearWashington, D.C.$1,342/YearWest Virginia$1,911/YearWisconsin$1,662/YearWyoming$1,897/YearShow moreChris KissellContributing Researcher  . .Chris Kissell is a Denver-based writer and editor with work featured on U.S. News & World Report, MSN Money, Fox Business, Forbes, Yahoo Finance, Money Talks News and more. 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By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel How to find a homeowners insurance policy By Shivani Gite On this page Our take: The best homeowners insurance in Pennsylvania of 2024Insure.com's choice: Compare the best homeowners insurance companies in PennsylvaniaA closer look at the top homeowners insurance companiesHow we picked Insure.com's top-rated home insurance companiesCheapest home insurance carriers in PennsylvaniaWhat is the average cost of homeowners insurance in Pennsylvania?Estimate cost and get homeowners insurance quotes in PennsylvaniaThings to consider when shopping for homeowners insuranceThe most common natural disasters in PennsylvaniaFrequently asked questionsMethodologySources ZIP Code Please enter valid ZIP See rates