Pittsburgh, was once known as Steel City due its heavy industry but has since reinvented itself into what many consider one of the country’s most livable cities with plenty going on outside your doorsteps! If you’re planning on visiting or moving to Pittsburgh, be sure to have the right insurance coverage
Get your insurance from an agent who serves this great region searching either by location or products available. Qualified insurance agents in Pittsburgh can help pinpoint which providers have coverage plans that match your needs.
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Popular Coverages in Pennsylvania
No matter where you reside in Pennsylvania, every city has different coverage requirements. If you have a vehicle, homeowners, or even life insurance, you are most likely to have minimum coverage requirements. For example, Pennsylvania law mandates Pittsburgh car drivers to have full coverage with 100/300/100 limits.
Following table shows the important coverage that most Pittsburgh insurance owner require.
- Personal Liability Protection
- Dwelling Coverage
- Personal Property
- Additional Living Expenses (ALE)
- Medical Payments Coverage
- Flood Insurance
- Bodily Injury Liability
- Property Damage Liability
- Uninsured/Underinsured Motorist Coverage
- Collision/Comprehensive Coverage
- Personal Injury Protection (PIP)
- Business Owners’ Policy (BOP)
- General Liability Insurance
- Workers’ Compensation Insurance
- Professional Liability Insurance
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
Average Insurance Rates in Pittsburgh, Pa (2023)
The average cost of homeowners insurance in Pittsburgh is $1,241 per year or $103 a month. However, this amount can vary depending on your home’s location, age and condition, the amount of coverage you need, and the insurance company you use.
Insurance companies in Pittsburgh have different rates as per the insurance buyer’s need and coverage. You can, however, save money on your insurance by increasing your deductible, bundling your policies, or installing security features. You may also be able to get a discount if you have a good paying history.
- Car Insurance $1,815 (full coverage)
- Home Insurance $1,241 ($400k in dwelling coverage)
- Business Insurance General Liability Insurance-$1056/ Commercial Auto Insurance-$1704/Workers’ Comp-$1.26 per $100 in covered payroll /Business Owners’ Policy-$127
- Life Insurance $658
- Flood Insurance $1390
Frequently Asked Questions
What does homeowners’ insurance cover in Pittsburgh, Pa?
Your homeowner’s insurance policy is designed to protect your home and personal belongings from damage or loss due to a variety of covered perils. In Pittsburgh, common covered perils include fire, wind, hail, lightning, theft and vandalism. Your policy may also provide coverage for additional perils, such as water damage or freezing pipes.
What is the cost of homeowners insurance in Pittsburgh?
Homeowners in Pittsburgh who carry $200K in dwelling coverage pay an average of $577 per year, while those with coverage up to $400K pay around $1,212 per year.
What insurance you can get as a resident in Pittsburgh?
As a resident of Pittsburgh, you have many options when it comes to purchasing insurance. You can purchase a homeowners insurance policy, renters’ insurance policy, or condo insurance policy. You may also want to consider purchasing flood insurance or earthquake insurance to protect your home from damages caused by these natural disasters. Generally, life insurance, home insurance, auto insurance and business insurance are common insurance policies available to Pittsburgh residents.
What insurance do I need as a business owner in Pittsburgh?
If you own a business in Pittsburgh, you will need to purchase commercial insurance to protect your business from potential liability risks. Common types of commercial insurance policies include property insurance, liability insurance, workers’ compensation insurance, and product liability insurance.
What are some things I can do to lower my homeowners insurance premiums?
There are a few things you can do to lower your homeowners insurance premiums, such as increasing your deductible, bundling your policies, or installing security features. You may also be able to get a discount on your premium if you have a good credit score or if your home is located in a low-crime area.
What is the best way to compare homeowners insurance rates in Pittsburgh?
The best way to compare homeowners insurance rates in Pittsburgh is to use an online rate comparison tool. This will allow you to get quotes from multiple insurers and compare them side-by-side. You can also contact each insurer directly to get a quote. When comparing rates, be sure to consider the coverage limits, deductibles and discounts offered by each company.
What are the top -rated homeowners insurance companies in Pittsburgh?
The top-rated homeowner’s insurance companies in Pittsburgh are Nationwide, State Farm, and Erie Insurance. These companies offer a variety of discounts and have high customer satisfaction ratings.
Is business insurance necessary in Pittsburgh?
While business insurance is not required by law in Pittsburgh, it is highly recommended as it can protect your business from potential financial losses. If you have any employees, you will also be required to purchase workers’ compensation insurance.
What does life insurance cover in Pittsburgh, Pa?
Life insurance policies vary in coverage, but most policies will pay out a death benefit to your beneficiaries if any mishaps occur. Some policies will cover expenses such as funeral costs, outstanding debts, or your family’s living expenses. Some life insurance policies also have cash value components that can be accessed while you are alive.
What does renters' insurance cover in Pittsburgh, Pa?
Renters insurance policies typically cover your personal belongings, liability risks, and any damage to the rental unit that is caused by you or your guests. Some policies also provide coverage for temporary living expenses if your apartment is uninhabitable due to a covered event.