No matter where you reside in Pennsylvania you need the appropriate insurance to safeguard your property in the event of an emergency. Home insurance in Pennsylvania is designed to protect your home and belongings from a variety of potential risks, including fires, storms, theft, and more.
When shopping for home insurance, it’s important to compare home insurance quotes from multiple insurers to find the best coverage at the most affordable price. It is only possible when you get in touch with the local insurance agents near you.
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Popular Homeowner Insurance in Pennsylvania
Every city in Pennsylvania has unique considerations when it comes to home insurance.
For example, Philadelphia has a higher chance of experiencing natural disasters like hurricanes and flooding than other parts of the state. So, there flood insurance might be the standard coverage. Likewise, home insurance in Pittsburg might require additional coverage as it’s located in a high-crime area.
Therefore, following are the home insurance coverage mostly purchased by Pennsylvania residents.
Standard Coverage
- Personal Property Coverage
- Personal Liability
- Medical Payments to Others
- Dwelling Coverage
- Wind/Hail
- Hurricane Damage
- Additional Living Expenses
Recommended Coverage
- Flood Insurance
- Personal Property Replacement Cost
Optional Coverage
- Jewelry
- Water Damage
- Inflation Protection
- Sinkhole insurance
Average Cost of Homeowners Insurance in Pennsylvania 2023
In Pennsylvania, a $250,000 dwelling coverage homeowner’s insurance policy costs $786 a year on average. Additionally, homeowners in Pennsylvania pay less than those in other states like New York and Maryland, where the average premium is $1,289 per year and $1,136 per year respectively.
Pennsylvania’s lower average house value and cost of living in comparison to other states may contribute to the state’s cheap insurance rates.
Following table shows the insurance rates for homeowners as per the top homeowners insurance companies in Pennsylvania.
Home Insurance Company Average Annual Premium Rates
- USSA $708
- Erie $612
- Nationwide $877
- Pure $1080
- Chubb $1038
Frequently Asked Questions
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What are the home insurance coverage options in Pennsylvania?
Home insurance policies in Pennsylvania typically covers the dwelling, other structures on your property, your personal belongings, and liability protection. Some home insurance companies also offer additional coverage options for things like flooding, earthquakes, and identity theft.
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What factors affect home insurance rates in Pennsylvania?
There are a number of factors that can affect your home insurance rates in Pennsylvania, including the age and value of your home, the amount of coverage you need, and the location of your home. Your home’s claims history can also affect your rates.
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How can I save on home insurance in Pennsylvania?
There are a few ways you can save on home insurance in Pennsylvania. One way is to shop around and compare rates from different insurers. You can also save by bundling your home insurance with other types of insurance, such as auto insurance. Some home insurance companies offer discounts for things like installing security systems or smoke detectors.
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What damages are covered under typical Pennsylvania home insurance coverage?
Most home insurance policies in Pennsylvania cover damage caused by fire, wind, hail, and lightning. Some policies also cover damage caused by theft, vandalism, or water damage. You may be able to purchase additional coverage for things like earthquakes or floods.
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What is not covered under typical Pennsylvania home insurance coverage?
There are a few things that are typically not covered by home insurance policies in Pennsylvania. These include damage caused by termites or other pests, wear and tear, and intentional acts of vandalism or theft. You may be able to purchase additional coverage for these types of damages.
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Is home insurance required in Pennsylvania?
Home insurance is not required by law in Pennsylvania, but your mortgage lender may require you to have it. Even if it’s not required, home insurance can help protect your home and belongings in the event of a covered loss.
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How do I get home insurance in Pennsylvania?
To get home insurance in Pennsylvania, you can contact a local agent or broker. You can also compare rates from different insurers online.
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How much does a home insurance cost per month in Pennsylvania?
Home insurance in Pennsylvania costs an average of $851 per year (about $71/month). While this is less than the national average rate, it is important that Pennsylvanians view prices from as many insurance companies as possible to ensure they receive the best rate.
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