Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Montgomery County, PA agent.

Montgomery County, PA Homeowners Insurance Quotes

If you would like to compare rates and save up to 40% or more on your Montgomery County, PA homeowners insurance, then you can easily comparison shop with us. GetHomeInsuranceQuotes.com provides multiple coverage options to choose from so you are not limited to one company, quote or coverage. In just a few minutes you can get multiple quotes from some of the top-rated home insurance companies in Montgomery County. Our licensed agents are ready to help you review and compare the best coverage option for you and your family. The consultation process is free and only takes a few minutes. We give you the option to compare rates online or over the phone. Best of all we can compare up to 12 top rated carriers that are most competitive for homeowners living in Montgomery County, Pennsylvania.

Average Premiums in Montgomery County, PA

Residents living within Montgomery County, PA are currently paying around $80.58 per month for a standard homeowners policy. In Pennsylvania, your premium could be in the average range of $967 per year, this estimate is based on an HO-3 homowners insurance type which may include the minimum coverage required by your mortgage provider. This is why a large volume of homeowners are now shopping online in Montgomery County, PA to help them find cheaper rates with enhanced coverage protection. It's important to know that your HO-3 policy, much like an HO-2 policy will ususally cover windstorms, lightning and fire damage. Your current coverage may not be protecting you from flooding, wind and hail damage, hurricanes or earthquakes. Getting the right coverage protection for your home takes some time to review the best insurance carrier for you. Would you like to easily compare up to 12 home insurance companies and let us help you lock in the a great rate with the protect you need? We look forward to working with you and providing a excellent home insurance shopping experience. Enter your zip code to start your free online quoting process or give us a call now.

For all Montgomery 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 Montgomery 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.

Montgomery County, PA Housing Demographics

With 799,874 residents living within the Montgomery County area there are over 325,735 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 208,959 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 Montgomery County.

DemographicValues
Total Occupied Households307,750
Family Households (families)208,959
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units325,735

Montgomery County, PA Coastal Wind, Hail & Flood Information

For all homeowners living in Montgomery County (FIPS: 42091), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Pennsylvania is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Montgomery County, PA, it's important that you look into hurricane and windstorm insurance options.

Montgomery County, PA Home Insurance Average Premiums

Local Montgomery, 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.

Montgomery County, PA Coastal Wind, Hail & Flood Information

Montgomery is a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Pennsylvania Homeowners Insurance News & Information

  • Homeowners in Florida Finally See Relief From Higher Insurance Costs Posted on Wednesday 27th August, 2025

    According to a recent Realtor.com article, homeowners in Florida, at least some of them, may finally seem some relief from higher homeowner insurance costs.  Florida Peninsula Insurance which is one of the largest private party property insurers recently announced that it is hoping to significantly lower premiums for roughly 170,000 policyholders.  Florida Peninsula has filed […]

  • How can I lower my homeowners insurance rate? Posted on Monday 18th August, 2025

    According to a recent report from the National Association of Realtors, homeowner insurance premiums have jumped up 10% since last year which follows a similar increase in 2023. Premium increases were even higher in states where severe weather and wildfires were more common.  In a recent AOL.com article, Paul Burns commented on how he had […]

  • 5 Perils Not Covered by Homeowners Insurance Posted on Tuesday 29th July, 2025

    Homeowners insurance is an absolute necessity to protect your home and its contents. If you have a mortgage on your home, it is also required. While homeowners insurance offers plenty of protection, there are gaps in coverage that you should be aware of because they can lead to massive out of pocket costs if you […]

  • Compare 2025 Homeowners Insurance Rates in Every State Posted on Thursday 24th July, 2025

    According to a recent study by Insurify, homeowners in every state will be paying more for insurance coverage by the end of the year.  The study found that climate change fueled natural disaster are the main cause of ever-increasing homeowner premiums. Wildfires out west, hailstorms in the Midwest and hurricanes and flooding in the South […]

  • Texas Homeowner Insurance Claims Were Closed Without Any Payment Posted on Monday 14th July, 2025

    According to a recent study that was reported on in the Houston Chronicle, almost half of all Texas homeowner insurance claims were closed without any payment to the homeowner. A company called Weiss Ratings was in charge of the study and they found that 47% of claims filed by Texas homeowners have been closed by […]

Discounts For Homeowners in Montgomery 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 Montgomery 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 Montgomery 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 Montgomery 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.

Montgomery County Housing & Real Estate Data

Details:Statistics
Total Housing Units325735
Occupied Housing Units307750
Vacant Housing Units17985
Vacant Housing Units for Rent8532
Vacant Housing Units Rented Not Occupied484
Vacant Housing Units For Sale3012
Vacant Housing Units Sold Not Occupied728
Vacant Housing Units For Seasonal Occasional Use1498
Vacant Housing Units All Other Vacants3731
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent9
Housing Tenure Occupied Units307750
Housing Tenure Occupied Units Owner Occupied225001
Housing Tenure Occupied Units Owner Occupied Population606576
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied82749
Housing Tenure Occupied Units Renter Occupied Population172292
Housing Tenure Occupied Units Renter Occupied Average Household Size2