Best homeowners insurance in Pennsylvania for 2022

Pennsylvania’s four-season weather and proximity to the coast means that homeowners can expect everything from winter storms to coastal weather events, all of which can cause significant damage to homes. 

Despite the varying weather-related risks, the average cost of homeowners insurance in Pennsylvania is $1,303 per year or $109 a month. This is around 32% lower than the national average of $1,899. 

However, the cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Pennsylvania.  

Best homeowners insurance companies in Pennsylvania

Of the companies we looked at, Allstate has the lowest rates, with an average annual policy cost of $771 per year — a little less than half of the state average. Erie has the next lowest average rates at $822 per year.

Policygenius analyzed thousands of quotes from the 5 largest Pennsylvania insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Pennsylvania residents to find the best homeowners insurance in Pennsylvania.

State Farm

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

• Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

• Get up to $1 million in personal liability coverage

• Score discounts for bundling, installing security devices, and choosing a high deductible

• File and track claims online, over the phone, in person, or through its mobile app

• High customer satisfaction and financial strength ratings

Cons

• No discounts for first-time homebuyers or going a year without a claim

Read our full State Farm home insurance review

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Why State Farm tops our best list

State Farm scored an 835 out of 1,000 in customer service and financial ratings from J.D. Power, making it one of the top-rated companies in the industry. Not only does State Farm have excellent rates, but customers can get up to $1 million in personal liability coverage. Customers can easily file and track claims online through its easy-to-use mobile app, or by calling and speaking to a representative. 

How to get a quote

Online through State Farm

Erie

With some of the best customer service ratings in the industry, Erie offers comprehensive coverage even with its most basic policy — including guaranteed replacement cost coverage and protection for lost items.

Pros

• Score up to a 25% discount when you bundle your home and auto insurance

• Guaranteed replacement cost coverage is included in the base policy

• Theft coverage includes lost or misplaced items — a rare perk we don't see often

• Multiple policy add-ons available, including water backup and service line coverage

• Among the best customer service ratings in the industry

Cons

• Can't file claims online — must speak to an Erie agent on the phone

Read our full Erie home insurance review here

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Why Erie tops our best list

Erie is one of our top picks in Pennsylvania because it has some of the best customer service ratings in the industry, and offers rates $500 below the state average. A unique perk offered through Erie is comprehensive guaranteed replacement cost coverage in a basic policy and theft coverage for lost or misplaced items. By bundling home and auto insurance policies with Erie, customers can decrease their monthly premiums by up to 25%.

How to get a quote

Online through Erie

Allstate

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

• Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

• 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

• Get up to 25% off your premiums when you bundle home and auto insurance

• Excellent customer service and claims satisfaction ratings

• File and track claims online or through its mobile app

Cons

• Rates are typically high compared to competitors

Read our full Allstate home insurance review

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Allstate

Why Allstate tops our best list

Allstate scored an 829 out of 1,000 in J.D. Power’s 2021 home insurance study, making it one of the top companies in the country. Bundle your home and car insurance policies to earn a 25% discount with Allstate and get personalized coverage options. 

How to get a quote

Online through Policygenius and Allstate

Travelers

With over 165 years of experience and impeccable financial ratings, Travelers is one of the most trusted home insurance companies in the business. It offers personalized coverage and a slew of policy add-ons to ensure you have exactly the right protection.

Pros

• 4 customizable policy packages with several available add-ons, like extended replacement cost and water backup coverage

• Offers eco-friendly green home coverage and discounts

• Protect expensive family heirlooms and appliances with equipment breakdown, guaranteed replacement cost, and personal articles coverage

• File claims online — plus, Travelers has special catastrophe centers for claims after a natural disaster

Cons

• Below-average customer service and claims satisfaction ratings

Read our full Travelers home insurance review here

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Why Travelers tops our best list

Travelers have been in the insurance business for 165 years and have a long track record of satisfied customers. Customers can select from four customizable policy packages from Travelers while taking advantage of eco-friendly home coverage and discounts. Plus, with policy add-ons to protect your home and precious heirlooms, homeowners have the assurance of knowing they’re protected if disaster strikes.  

How to get a quote

Online through Policygenius and Travelers

Nationwide

Nationwide offers flexible home insurance policy options for every home type and income level. And we love its slew of discounts for everything from having a newish roof to living in a gated community.

Pros

• Offers lots of coverage add-ons, including flood and earthquake insurance

• Option to rebuild roof with stronger, safer materials after a covered loss

• Score discounts for living in a gated community, making home renovations, having a newer roof, and more

• Seamlessly submit claims online or through its mobile app

• Above-average claims satisfaction rating

Cons

• Below-average customer satisfaction ratings

• Water backup coverage is more expensive than with other insurers

Read our full Nationwide home insurance review here

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Why Nationwide tops our best list

Nationwide scored well in the 2021 J.D. Power home insurance survey, earning a respectable 812 out of 1,000 score. Customers can earn lower rates by renovating their home, living in a gated community, or having a newer roof. With rates below the state average, Nationwide is a great choice for Pennsylvania homeowners.

How to get a quote

Online through Policygenius or Nationwide

Cheapest homeowners insurance companies by city in Pennsylvania

Looking at average home insurance costs for the 15 most popular insurers in Pennsylvania, we found that the cheapest homeowners insurance companies in the state are Allstate, Erie, and USAA.

The average Allstate rate in Pittsburgh is $621 per year — over $350 less than homeowners in Philadelphia. Meanwhile, residents in the state capital of Harrisburg enjoy rates of $693 per year with Erie.

Shopping for homeowners insurance in Pennsylvania

Shopping for home insurance in Pennsylvania may seem like a daunting task, but with help from the experts at Policygenius, the process can be extremely easy. No matter where you live in the state — from the Great Lakes region down to the eastern seaboard — we’ll help you find a policy that suits your home insurance needs.

In this section, we break down the average annual home insurance rates in Pennsylvania for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners.

Pennsylvania home insurance costs by coverage amounts

Dwelling coverage is the part of your home insurance policy that pays to repair or replace your home after a covered loss. Your dwelling coverage amount should be equal to your home’s replacement cost, which is the amount it would cost to rebuild your home from the ground up.

With average Pennsylvania home prices in the mid-$250,000 range, homes with dwelling coverage limits of $200,000 to $300,000 can expect to pay $81 to $109 each month for home insurance.

Personal liability coverage is the portion of your home insurance policy that pays for medical, legal, or repair bills in the event you’re legally responsible for someone’s injury or property damage. 

As the table below highlights, a home insurance policy with $500,000 in personal liability coverage costs about $117 per month, while one with $200,000 in personal liability coverage is $83 a month. 

Pennsylvania home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying your insurance company before they reimburse you for a claim. A higher deductible means lower monthly payments, but larger out-of-pocket expenses in the event of a claim. 

As you can see in the table below, Pennsylvania residents can save around $140 on home insurance by choosing a $1,000 deductible over the $500 option.

Home insurance discounts in Pennsylvania

Many insurance providers offer discounts to homeowners if their homes have certain features like deadbolt locks, smoke detectors, and home security systems. Although there isn’t a large discount for homeowners in Pennsylvania for these features, having them added to your home can help protect you and your family.

Home insurance companies in Pennsylvania for dog owners

Pet ownership provides many opportunities for bonding and spending quality time together. But when it’s time to get outside, most areas in Pennsylvania require your best friend to be on a leash. 

If you have a dog considered to be a “dangerous breed,” you may pay more for your home insurance. Some insurers charge higher rates for certain breeds and could even deny you coverage altogether if you own one.

With an average rate of $771 per year, Allstate has the cheapest home insurance rates in Pennsylvania for a home with a dangerous dog breed, while Travelers average yearly rate is almost $5,000.

Home insurance companies in Pennsylvania for poor credit

Late or missed payments on credit cards, cars, and monthly rent can lead to higher insurance rates. Insurance companies consider a poor credit score to be an indicator of risky behavior and an increased risk of filing an insurance claim, so many charge higher rates as a result. 

With an average rate of $1,246 per year, Nationwide has the cheapest home insurance rates in Pennsylvania for a homeowner with poor credit. Meanwhile, Travelers rates are the highest of the providers we analyzed, with a $12,297 yearly rate.

Home insurance companies in Pennsylvania for pool owners

Home insurance rates are higher for those with a swimming pool. Some insurance companies consider swimming pools as a risk, meaning there’s a higher likelihood of liability claims. 

With an average rate of $771 per year, Allstate has the cheapest home insurance rates for Pennsylvania homes that have a swimming pool, while Travelers has the most expensive rates at $5,434 per year.

How to buy homeowners insurance in Pennsylvania

Homeowners in Pennsylvania have many options when it comes to home insurance. But how do you know which company to choose? We’ve rounded up our top five favorite tips in the list below to help you find the best solution that works for your home insurance needs.

1. Reach out to a licensed Policygenius agent. Our team of insurance experts will guide you to affordable quotes from top companies — at no cost or obligation to you. 

2. Ask if you should purchase flood or hurricane coverage. With four-season weather, homeowners in Pennsylvania should talk to a Policygenius about adding additional coverage for floods, winter storms, and even hurricanes, due to its proximity to the Atlantic Ocean.

3. Figure out how high of a deductible you can afford.A higher deductible means you’ll pay less upfront for your insurance, but a larger chunk when it's time to file a claim. A Policygenius agent can help you pick out a deductible that works within your budget.

4. Compare quotes from a Policygenius agent.Once you’ve identified your coverage needs, limits, and deductibles, a Policygenius agent will send over quotes from top companies. 

5. Sign the policy, and pay your first premium. After you’ve settled on the company that works best for you, Policygenius will do all of the paperwork for you. All you need to do is sign on the dotted line and pay your first premium. It’s that easy!

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

• Dwelling: $300,000

• Other structures: $30,000

• Personal property: $150,000

• Loss of use: $60,000

• Liability: $300,000

• Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.