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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

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

Pennsylvania Housing & Real Estate Data

Details:Staticstics
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.