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Pennsylvania Homeowners Insurance Quotes

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.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$967 (1.3%)$ 8141
2019$955 (1.3%)$ 8039
2018$943 (1.28%)$ 7940
2017$931 (0.43%)$ 7840
2016$927 (1.52%)$ 7739

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.

Pennsylvania Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Pennsylvania Housing & Real Estate Data

Total Housing Units5567315
Occupied Housing Units5018904
Vacant Housing Units548411
Vacant Housing Units for Rent135262
Vacant Housing Units Rented Not Occupied9386
Vacant Housing Units For Sale64818
Vacant Housing Units Sold Not Occupied20131
Vacant Housing Units For Seasonal Occasional Use161582
Vacant Housing Units All Other Vacants157232
Housing Units Homeowner Vacancy Rate Percent1.8
Housing Units Rental Vacancy Rate Percent8.1
Housing Tenure Occupied Units5018904
Housing Tenure Occupied Units Owner Occupied3491722
Housing Tenure Occupied Units Owner Occupied Population8974740
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.57
Housing Tenure Occupied Units Renter Occupied1527182
Housing Tenure Occupied Units Renter Occupied Population3301526
Housing Tenure Occupied Units Renter Occupied Average Household Size2.16

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.