10+ years writing insurance and personal finance topics
Former associate finance editor for Investopedia
Jess is a subject matter expert in insurance, banking, and other personal finance topics. Her byline has appeared in numerous top web media, including Investopedia.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Homeowners insurance in Pennsylvania is relatively affordable, which is good news if you’re buying a home or switching insurance companies. The average cost of a home insurance policy in the Keystone State is $1,306 per year for a policy with a $1,000 deductible and $300,000 in dwelling coverage — significantly less than the national average of $2,377.
But you might need to pay for additional coverage. The state of Pennsylvania is home to several rivers and streams, and it’s prone to flooding, which most standard homeowners policies don’t cover.[1] The most recent major flood was after Hurricane Irene in 2011, causing around $425 million in damage.[2]
Here’s what you need to know if you’re seeking a homeowners insurance policy in Pennsylvania.
Quick Facts
Besides floods, hurricanes and blizzards occasionally hit Pennsylvania and could damage your home.
Cumberland Insurance, Westfield, and Allstate are the three cheapest insurers in Pennsylvania, on average.
Your home insurance rates will vary depending on the amount of dwelling coverage you need, your deductible, and other factors.
Best home insurance companies in Pennsylvania
Several home insurance companies serve customers in Pennsylvania, and the best company for you isn’t always necessarily the cheapest. Shopping around for coverage can help you find the right policy for your individual situation and needs.
As you begin your search, consider the leading insurers listed in the table below.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Average Annual Premium
▲▼
Best For
▲▼
Cumberland Insurance Group
N/A
$588
Cheapest rates
Westfield
N/A
$712
Flood insurance
Allstate
8.2
$727
Discounts
Erie
7.4
$1,122
Customer satisfaction
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
If you’re looking for inexpensive homeowners coverage, Cumberland Insurance Group is a good place to start. Pennsylvania homeowners pay an average of $49 per month, or $588 per year, for a policy from this insurer.
Not only does it offer cheap coverage, but Cumberland also provides a few discounts that could reduce the cost of your homeowners policy even further, including a multi-policy discount, loss-free discount, alarm discount, and a new-home discount.
Pros
Highly affordable rates
AM Best financial strength rating of A- (Excellent)[3]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$52/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$63/mo
While Pennyslvania’s last major flood was in 2011, several smaller floods have occurred since then, too. Homeowners most at risk are those who live along the state’s many rivers, including the Susquehanna, Allegheny, Delaware, and Ohio rivers. If this includes you, it’s essential to ensure your home and personal belongings are protected from flooding.
Westfield offers both standard homeowners coverage and flood insurance, and its policies are also relatively affordable. It’s the second-cheapest insurer in Pennsylvania, with homeowners paying an average of $59 per month, or $712 per year.
Pros
Highly affordable
Guaranteed replacement cost coverage and equipment-breakdown coverage available
Cons
Higher-than-average number of National Association of Insurance Commissioners’ (NAIC) complaints[4]
AM Best financial strength rating of A+ (Excellent)[5]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$58/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$71/mo
While some insurers on this list only offer a few discounts for Pennsylvania homeowners, Allstate offers several. Its insurance rates aren’t the cheapest among the insurers discussed here, but these discounts could help reduce the overall cost of your policy.
Allstate customers can take advantage of multi-policy, claims-free, responsible payment, early signing, protective device, welcome and loyalty discounts, and more.
Pros
One of the nation’s largest, longest-lasting insurers
AM Best financial strength rating of A+ (Superior)[6]
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$79/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$120/mo
Homeowners looking for great service may want to get a quote from Erie. This insurance company ranked as the top insurer on the J.D. Power 2023 U.S. Home Insurance Study, which measures overall customer satisfaction.[7] Erie customers get access to 24/7 support, multiple discounts, and optional add-on coverages, including flood insurance.
Cumberland Insurance Group offers the cheapest home insurancein Pennsylvania, at $49 per month, or $588 per year.
Here’s a look at some of the other home insurance companies offering relatively affordable coverage for Pennsylvania homeowners.
Insurance Company
▲▼
Average Annual Premium
▲▼
Cumberland Insurance Group
$588
Westfield
$712
Allstate
$727
American National P&C
$786
Donegal Mutual Insurance Co
$1,040
Erie
$1,122
Nationwide
$1,298
USAA
$1,336
Find Cheap Home Insurance in Pennsylvania
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Cost of homeowners insurance in Pennsylvania
The cost of your home insurance will vary depending on how much dwelling and personal property coverage you need, your home’s age, your ZIP code, your deductible, and other factors.
If you live in an area that has a high risk for flooding, you’ll also want to purchase flood insurance, which comes at an added cost.
Cost of homeowners insurance by dwelling coverage amount
Here’s a look at how dwelling coverage limits relate to average annual premiums in Pennsylvania for policies with a $1,000 deductible.
Coverage Limit
▲▼
Average Annual Premium
▲▼
$100,000
$631
$200,000
$968
$300,000
$1,306
$400,000
$1,636
$500,000
$1,998
Cost of homeowners insurance by deductible
Your deductible is the amount you must pay following an insurance claim before your home insurance kicks in for a covered loss. The deductible you choose can also affect your insurance premiums, with higher deductibles resulting in lower insurance prices. Lower deductibles generally mean higher premiums.
Here’s how your deductible amount ties into your insurance costs in Pennsylvania for policies with $300,000 in dwelling coverage.
Deductible Amount
▲▼
Average Annual Premium
▲▼
$500
$1,361
$1,000
$1,306
How to get cheap homeowners insurance in Pennsylvania
If you’re seeking cheap home insurance, here are some strategies to keep your costs down:
Get discounts. Discounts vary by insurance company. Look into available discounts and take advantage of any you qualify for.
Increase your deductible. A higher deductible generally results in lower rates for your homeowners coverage. Ask your home insurance company about increasing your deductible.
Add features. Certain features, like smoke detectors, burglar alarms, and sprinkler systems, not only protect your home and possessions but can also reduce your insurance rates. They might have an up-front cost, but they could save you money over time.
Compare home insurance quotes. It pays to shop around for homeowners insurance coverage. Compare quotes and coverage options from different companies to determine which offers the most affordable policy for your needs.
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How much homeowners insurance do you need in Pennsylvania?
If you take out a loan to purchase your home, your mortgage lender will also require you to purchase a home insurance policy. But even if you pay cash for your home, you’ll probably want to obtain proper insurance coverage.
As you shop for insurance, it’s essential to understand exactly what your home insurance policy covers and any exclusions that apply. This will help ensure that your policy adequately protects your house. Determine your needs, understand applicable weather-related dangers in your area, and search for policies that meet these goals and stay within your budget.
What are some of the biggest risks when owning a home in Pennsylvania?
No matter which state you live in, certain risks could damage your home. Pennsylvania is no exception. Here are some of the most common perils in the state and whether a standard home insurance policy typically covers them.
Floods
Pennsylvania is prone to flooding, with the most recent significant flood occurring in 2011. Unfortunately, standard homeowners insurance policies don’t cover water damage from floods. Instead, you’ll need to purchase an add-on or separate flood insurance policy to ensure that your home is protected if you’re in a high-risk flood zone.
Hurricanes
Your home insurance will typically cover wind damage from hurricanes, but again, any resulting flood damage won’t be covered.
Blizzards
Pennsylvania also gets hit by blizzards in the winter. In general, homeowners insurance policies cover things like burst pipes due to extreme cold.
Pennsylvania homeowners insurance FAQs
If you still have questions about how to secure the best home insurance in Pennsylvania, the following information can help.
How much is home insurance in Pennsylvania?
The average rate for home insurance in Pennsylvania is $1,306 per year for $300,000 in dwelling coverage, which is significantly less than the national average of $2,377.
Which company has the cheapest homeowners insurance in Pennsylvania?
Cumberland Insurance Group offers the cheapest home insurance in Pennsylvania, at $588 per year for $300,000 in dwelling coverage.
Is homeowners insurance mandatory in Pennsylvania?
No. The state of Pennsylvania doesn’t require you to carry homeowners insurance. But if you have a mortgage on your home, your lender will likely require you to carry coverage.
AM Best. "AM Best Revises Issuer Credit Rating Outlook to Negative for Westfield Insurance Company and Affiliates."
AM Best. "AM Best Takes Various Credit Rating Actions on The Allstate Corporation and Its Key Subsidiaries."
J.D. Power. "Home Insurer Exodus from Several States Creates Challenges and Opportunities, J.D. Power Finds."
Jess UllrichInsurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Cumberland Mutual
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Allstate
Erie Insurance
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