Pennsylvania homeowners insurance calculator

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Homeowners in Pennsylvania pay an average of $1,529 annually for home insurance. However, your actual premium will be determined by where you live, what it would cost to rebuild, the coverage limits you choose, and your deductible.

If you’re looking for a quick estimate, our Pennsylvania homeowners insurance calculator shows how your dwelling coverage, liability limits, and deductible levels each affect your premium. You can also see how different insurers compare against each other and against the state average.

Whether you’re in the process of buying a home, taking a fresh look at your existing policy, or simply trying to find a better rate, the calculator gives you a useful reference point before you start reaching out for quotes.

How can I lower my homeowners insurance premium in Pennsylvania?

Get quotes from more than one insurer – pricing for the same level of coverage can vary considerably from provider to provider.
Look at raising your deductible – a higher amount out of pocket in a claim generally results in a lower annual premium.
Combine your home and auto insurance with one provider to qualify for a multi-policy discount.
Consider installing safety features such as smoke alarms, deadbolt locks, or a monitored security system, which many insurers recognize with a discount.

How to use the Pennsylvania home insurance calculator

Our home insurance calculator is designed to produce a quick cost estimate for homeowners in Pennsylvania. Just enter a handful of details, and you’ll have a working figure to reference. Here’s what to input:

Select your state. Pick Pennsylvania to surface rates relevant to your location.
Enter your dwelling coverage amount. Base this on what it would realistically cost to rebuild your home from the ground up.
Choose your liability limit. This is the protection that covers you if a visitor is injured on your property or you cause damage to someone else’s belongings.
Set your deductible. This is the portion of any claim you’d cover yourself before your policy takes over.

After entering your information, the calculator will show you:

The average annual homeowners insurance rate in Pennsylvania
The highest and lowest rates in our dataset
A breakdown of insurers in Pennsylvania and their typical annual premiums

It’s a straightforward way to get a sense of your likely costs and identify which insurers are worth pursuing for a formal quote.

Pennsylvania home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Pennsylvania

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Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Pennsylvania

$1,416 Average rate

Average rate

$1,416/Yr

Lowest rate

$1,150/Yr

Highest rate

$1,687/Yr

Rates by carriers in Pennsylvania

Company	Average annual rate
Allstate	$1,150
USAA	$1,316
Erie Insurance	$1,346
State Farm	$1,359
Travelers	$1,385
Nationwide	$1,668
Farmers	$1,687

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average cost of homeowners insurance in Pennsylvania is $1,529 per year, cheaper than the national average of $2,612.
Your premium will vary based on your home’s location, age, size, rebuilding cost and the coverage limits you choose.
Standard homeowners policies don’t cover floods, earthquakes or other climate-related disasters – you’ll need separate coverage if you live in a high-risk area.
Rates vary significantly by insurer, so comparing quotes is one of the most effective ways to lower your premium.

What affects your homeowners insurance premium?

Several factors determine what you’ll pay, including where your home is located, its age and construction, your claims history and the coverage options you select.

Dwelling coverage. The estimated cost to rebuild your home, based on its size, materials, and local construction prices.
Liability coverage. Helps cover costs if someone is injured on your property or if you accidentally damage someone else’s property.
Deductible. The amount you pay out of pocket before insurance kicks in. Choosing a higher deductible can lower your premium, but it also means more costs upfront if you file a claim.

Check your credit score

Depending on your state and whether they allow credit score to be taken into account in determining your premium, a credit score can dramatically impact your premium.

While not permitted in all states, insurers in many states use credit-based insurance scores as a rating factor, so paying bills on time and keeping debt low can work in your favor.

How does dwelling coverage affect homeowners insurance in Pennsylvania?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,164	$97
$300,000	$1,529	$127
$400,000	$1,872	$156
$600,000	$2,591	$216
$1,000,000	$3,723	$310

Average cost of homeowners insurance in Pennsylvania

The average homeowners insurance premium in Pennsylvania is $1,529 per year, which is cheaper than the national average of $2,612.

This figure is based on a standard policy with:

$300,000 in dwelling coverage
$300,000 in liability protection
$1,000 deductible

What you actually pay will depend on a range of factors specific to your property and location, including your home’s age, size, and estimated cost to rebuild.

Average cost of home insurance in major Pennsylvania cities

Home insurance rates in Pennsylvania can differ quite a bit from one city to the next. Homeowners in York tend to pay among the lowest rates in the state, while those in Philadelphia face some of the highest.

The table below shows average annual premiums across major cities in Pennsylvania.

City	Average annual rate	Average monthly rate
Allentown	$1,559	$130
Bethlehem	$1,513	$126
Erie	$1,448	$121
Harrisburg	$1,434	$120
Lancaster	$1,361	$113
Philadelphia	$2,184	$182
Pittsburgh	$1,442	$120
Reading	$1,473	$123
Scranton	$1,542	$128
York	$1,354	$113

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 city

See rates in your city

How do natural disasters affect homeowners insurance rates in Pennsylvania?

The natural hazard risk associated with your home’s location is a key factor in how insurers price your policy. Homes in areas with frequent flooding, wildfire activity, hurricanes, or tornadoes are considered higher risk and typically come with higher premiums as a result.

What’s equally important to understand is that standard home insurance policies don’t cover these events. Depending on where you live in Pennsylvania, you may need to purchase separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

The added cost of this coverage is real, but so is the financial exposure of going without it after a serious disaster.

What is a hurricane deductible, and how does it impact home insurance rates in Pennsylvania?

A hurricane deductible is a distinct deductible within your homeowners policy that applies only when hurricane damage is the cause of loss. Unlike a standard fixed-dollar or flat deductible, a hurricane deductible is calculated as a percentage of your dwelling coverage – often up to 10%.

The table below compares average rates with and without a 2% hurricane deductible applied. If hurricane damage is excluded from your policy and your home is in a storm-prone location, you could be responsible for the full cost of any hurricane-related repairs. Reviewing your policy details carefully is the best way to make sure your coverage reflects your actual risk.

Average rates with hurricane deductible	Average rates w/o hurricane deductible
$1,529	$1,602

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Pennsylvania?

Homeowners in Pennsylvania pay an average of $1,529 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Pennsylvania?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com sourced homeowners insurance rates from Quadrant Data Services in late 2025, based on policies with dwelling coverage between $200,000 and $1 million and liability coverage of $100,000 and $300,000. All sample rates used a $1,000 deductible, with a 2% hurricane deductible applied where relevant.

Calculate home insurance premium in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.