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When searching online for homeowners insurance in Pennsylvania, you may come across some information about rates increasing or "home insurance premiums are on the rise." Typically, this isn't the case for Pennsylvania, the average premium in the United States is around $978. In Pennsylvania, the average rate for homeowners is much lower and usually below $750 on average. The "Keystone State" ranks 37th overall for the highest premium, and the rates on average have only increased by 25.46% in the past 8 years. So why shop for lower Pennsylvania home insurance rates? Because although premiums don't normally increase rapidly in Pennsylvania, it's always great to compare premiums with other carriers to help you save more each year. But most importantly for your home to stay up to date with the coverage options that are best fit for your home and family. Our services allow you to benefit from the best coverage options, we shop your policy amongst 12 different home insurance carriers to analyze price and benefits. Remember, great coverage, may or may not be all about price.
Getting Pennsylvania Home Insurance
Did you know that we have been providing home insurance services in Pennsylvania for over 15 years? Our carrier options for your home in Pennsylvania include: Liberty Mutual, Peerless, Safeco, MetLife, Selective, Progressive, Narragansett Bay, Mercury, Plymouth Rock, Chubb, Cambridge Mutual and American Commerce Insurance. Get a Pennsylvania home insurance quote today by entering your zip code. Our quick online quote form helps our agents process multiple quotes faster to help save you time and money. Our process is easy and most of all free. Shop online with us today!
Our Pennsylvania homeowners insurance rates are very competitive across the entire state. You can easily shop one of the top 10 cities in Pennsylvania by clicking on your city below. We do provide home insurance for the whole state, so if you don't see your city in this list you can start your quote by entering your zip code or scroll down the page to find your county. Here are some of the most popular areas in Pennsylvania: Philadelphia, Pittsburgh, Reading, Mechanicsburg, York, Hanover, Lancaster, Lebanon, Wilkes Barre, Williamsport.
Average Homeowners Insurance Premiums in Pennsylvania
With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Pennsylvania homeowners are paying on average. Did you know that the average homeowners insurance premium in Pennsylvania is $967? Pennsylvania is now ranked 41 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Pennsylvania is 26.24% less than the national average.
|Year||Average Annual Premium||Average Monthly Premium||State Rank (Overall)|
|2020||$967 (1.3%)||$ 81||41|
|2019||$955 (1.3%)||$ 80||39|
|2018||$943 (1.28%)||$ 79||40|
|2017||$931 (0.43%)||$ 78||40|
|2016||$927 (1.52%)||$ 77||39|
When we combine the state averages over the last decade, the Pennsylvania overall average is estimated to be around $899.00. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Pennsylvania current state rank compare to the rest of the country is #41. Consider shopping your Pennsylvania home insurance with us so we can help you save up to 40% or more on your policy.
Find Local PA Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
Pennsylvania Homeowners Insurance News & Information
Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]
North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 30th November, 2023
North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]
Did you know? Your Home Insurance Doesn’t Cover… Posted on Wednesday 29th November, 2023
While homeowners insurance covers a variety of perils and protects your home and personal possessions, it does come with a number of exclusions and coverage gaps that can result in you having to cover the cost of certain damage out of pocket. Let’s have a quick look at what your homeowners policy does and doesn’t […]
2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023
The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies. Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]
What Is the 80/20 Rule In Homeowners Insurance? Posted on Wednesday 8th November, 2023
If you are purchasing a home, your lender will require that you carry homeowners insurance to protect their investment in your home. Homeowners coverage will help cover the cost of repairing or replacing your home if it is damaged or destroyed by a covered peril. Covered perils can include items such as a hurricane or […]
Pennsylvania Housing & Real Estate Data
|Total Housing Units||5567315|
|Occupied Housing Units||5018904|
|Vacant Housing Units||548411|
|Vacant Housing Units for Rent||135262|
|Vacant Housing Units Rented Not Occupied||9386|
|Vacant Housing Units For Sale||64818|
|Vacant Housing Units Sold Not Occupied||20131|
|Vacant Housing Units For Seasonal Occasional Use||161582|
|Vacant Housing Units All Other Vacants||157232|
|Housing Units Homeowner Vacancy Rate Percent||1.8|
|Housing Units Rental Vacancy Rate Percent||8.1|
|Housing Tenure Occupied Units||5018904|
|Housing Tenure Occupied Units Owner Occupied||3491722|
|Housing Tenure Occupied Units Owner Occupied Population||8974740|
|Housing Tenure Occupied Units Owner Occupied Averge Household Size||2.57|
|Housing Tenure Occupied Units Renter Occupied||1527182|
|Housing Tenure Occupied Units Renter Occupied Population||3301526|
|Housing Tenure Occupied Units Renter Occupied Average Household Size||2.16|
Understanding Pennsylvania Homeowners Insurance
When shopping for Pennsylvania homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:
- HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
- H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
- HO-4: If you are looking for Pennsylvania renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.
While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.
If you are shopping for a new home in Pennsylvania, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Pennsylvania rates and coverage options.