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Lawrence County, PA Homeowners Insurance Quotes

Getting afforable home insurance coverage in Lawrence County can sometimes be difficult with so many options available from local captive agents like State Farm and Allstate to the online comparison marketplace. It is important to know that getting the right coverage means doing the necessary research or speaking with a Pennsylvania home insurance professional that can help you find the coverage you need. Shopping online with GetHomeInsuranceQuotes.com allows you to get top quality service from the best insurance carriers available locally. It's important for you to know the coverage options available for your home in Lawrence County, that's why our experience staff of over 20+ years can help answer any questions that you may have about your current policy. Shopping online for Lawrence County home insurance rates is free and easy to use.

Pennsylvania home insurance rates are on the rise and seem to increase year over year. It's not very often that we witness a decrease in home insurance rates when we compare annual premiums in all 50 states. Currently, Lawrence County is ranked lower in the nation with an average annual premium of $967 per year. When comparing home insurance cost and coverage options, it's important to understand that the base premium for basic HO-3 policy may look great in terms of affordability, but maybe lacking the protectiong you need when you need a home insurance provider. Take advantage of our enhanced coverage options and let us help you easily shop better rates today!

For all Lawrence County, PA residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Lawrence County? Simply enter your zip code to get your Pennsylvania homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Lawrence County, PA Housing Demographics

With 91,108 residents living within the Lawrence County area there are over 40,975 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 24,852 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Lawrence County.

DemographicValues
Total Occupied Households37,126
Family Households (families)24,852
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units40,975

Lawrence County, PA Home Insurance Average Premiums

Local Lawrence, PA homeowners insurance quotes comparison

$793 /yr.

Pennsylvania's Average Home Insurance Rates Overall

For the state of Pennsylvania, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 41 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$586 /yr.
Current Average Cost:$793 /yr.
Maximum Range:$967 /yr.

Pennsylvania Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

Discounts For Homeowners in Lawrence County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Pennsylvania homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Lawrence County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Lawrence County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Lawrence County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Lawrence County Housing & Real Estate Data

Details:Statistics
Total Housing Units40975
Occupied Housing Units37126
Vacant Housing Units3849
Vacant Housing Units for Rent1139
Vacant Housing Units Rented Not Occupied56
Vacant Housing Units For Sale717
Vacant Housing Units Sold Not Occupied263
Vacant Housing Units For Seasonal Occasional Use469
Vacant Housing Units All Other Vacants1205
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent11
Housing Tenure Occupied Units37126
Housing Tenure Occupied Units Owner Occupied27967
Housing Tenure Occupied Units Owner Occupied Population69805
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied9159
Housing Tenure Occupied Units Renter Occupied Population19064
Housing Tenure Occupied Units Renter Occupied Average Household Size2