The Best and Cheapest Homeowners Insurance in Pennsylvania for 2022 – NerdWallet

If you ‘re a homeowner in Pennsylvania, you ‘ll typically pay a distribute less than the national average for home insurance. The median cost of homeowners indemnity in Pennsylvania is $ 930 per year, according to NerdWallet ’ mho pace analysis. That ’ s importantly less than the national average of $ 1,784 per year. NerdWallet analyzed rates from insurers across the state to determine the best homeowners policy in Pennsylvania. These rates are for a sample homeowner with $ 300,000 in dwelling coverage, $ 300,000 in liability coverage and a $ 1,000 deductible. Your own rates may vary .

Why you can trust NerdWallet

Our writers and editors follow nonindulgent column guidelines to ensure comeliness and accuracy in our publish and datum analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data, and may update rates for accuracy as new information becomes available. We include rates from every venue in the state where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a fourth dimension, so you can easily see how each factor affects price.

The best homeowners insurance in Pennsylvania

several of NerdWallet ‘s Best Home Insurance Companies offer policies in Pennsylvania. hera they are, along with their average annual premiums :

company average annual rate NerdWallet leading fink
lake erie $ 774

4.5 NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into report consumer ailment and customer gratification data . NerdWallet rat

countrywide $ 1,244

5.0 NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into account consumer complaint and customer satisfaction data . NerdWallet rate

Chubb $ 1,259

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data . NerdWallet rat

Travelers $ 2,852

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into account consumer ailment and customer satisfaction data . NerdWallet rate

USAA * $ 1,125

5.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into bill consumer charge and customer satisfaction data . NerdWallet evaluation

*USAA home policy is available entirely to active military, veterans and their families .

More about the best home insurance companies in Pennsylvania

lake erie : Based in Pennsylvania, Erie is a regional insurance company that offers guaranteed successor cost for the structure of your base. With this coverage, the company will pay to rebuild your home completely after a calamity, even if the sum exceeds your dwelling limit. not all insurers offer this choice, but it ’ s worth considering as a hedge against rising structure costs. Got a car to insure, excessively ? If you bundle your home and car indemnity with Erie, you could get a discount of around 20 %. You may besides be able to save if your home has certain safety and security features such as smoke alarms or sprinkler systems. Erie has drawn fewer consumer complaints to submit regulators than expected for a caller of its size, according to the National Association of Insurance Commissioners. Learn more about Erie homeowners, car and life indemnity in our Erie insurance review. nationally : We like Nationwide for its wide variety of coverage options. For exemplar, its standard homeowners policy policy generally includes regulation or law coverage, which can help pay to bring your home up to current building codes after a breed call. You can add other coverage for things like identity larceny and wrong from backed-up sewers and drains. Depending on how much personal aid you need, you can get a quote for homeowners insurance on the Nationwide web site or work with a local anesthetic agent alternatively. You can besides use the web site to pay bills, file claims or check claim status. Learn more with our Nationwide home indemnity recapitulation. Chubb : Chubb targets owners of high-value homes, with coverage that isn ’ thymine always the cheapest choice but comes with batch of perks. For model, a criterion Chubb homeowners policy includes extended substitute cost coverage for the structure of your home. That means if it costs more than expected to rebuild your house after a cover title, Chubb will pay more than your brood coverage limit. Chubb policyholders may besides be able to take advantage of the company ’ sulfur HomeScan serve, which uses infrared cameras to look for problems behind the walls of your home. Learn more about the party with our Chubb home indemnity review. Travelers : Travelers ’ rates may be importantly higher than others for our sample homeowner, but it even might be deserving getting a quotation mark since your rates may differ. ( You can do so on the Travelers website or by contacting an agentive role. ) The company has drawn fewer consumer complaints to submit regulators than expected for an insurance company of its size, according to the NAIC. You may be able to save money by bundling your homeowners and car policies together. early discounts may besides be available. Check out our Travelers home policy review to learn more. USAA : USAA sells homeowners indemnity to veterans, active military and their families. If you fall into one of those groups, you might want to look into USAA ’ sulfur offerings. The company ’ second homeowners policies include some unique perks such as deductible-free coverage for military uniforms and coverage for identity larceny. USAA ’ s policies besides by and large include substitute monetary value coverage for your belongings. That means if your stuff is stolen or destroyed in a traverse claim, the ship’s company will pay you adequate to buy brand-new replacements preferably than deducting for disparagement. Some other companies charge extra for this option. Homeowners in Pennsylvania can take part in the caller ’ s Connected Home plan, which gives you a rebate on your policy if you buy and install approved smart home devices. These include water leak sensors, cameras and thermostats. Read our USAA home insurance review to learn more.

The cheapest homeowners insurance in Pennsylvania

aside from the well-rated insurers listed above, Pennsylvanians have other options for homeowners indemnity that are cheaper. Below are the companies with median annual rates below the state average .

ship’s company median annual rate NerdWallet leading rate
Cumberland Mutual $ 446

3.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring recipe takes into report consumer complaint and customer atonement data . NerdWallet rating

Penn National $ 595

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring convention takes into account consumer complaint and customer satisfaction data . NerdWallet rat

Allstate $ 604

4.0 NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into history consumer complaint and customer gratification data . NerdWallet rate

Farmers $ 687

4.0 NerdWallet ‘s ratings are determined by our column team. The scoring rule takes into account consumer complaint and customer satisfaction data . NerdWallet rate

Westfield $ 708

3.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into report consumer charge and customer satisfaction data . NerdWallet evaluation

lake erie $ 774

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into bill consumer complaint and customer satisfaction data . NerdWallet rat

state of matter farm $ 812

4.0 NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into history consumer complaint and customer satisfaction data . NerdWallet denounce

More about the cheapest companies

Cumberland Mutual : If you ’ re looking for a small regional insurance company, Cumberland Mutual is one to consider. This New Jersey company besides sells homeowners insurance in three other states, including Pennsylvania. You ’ ll find many common add-ons to choose from, including coverage for identity larceny, water system backing and price to underground service lines. however, the company draws more complaints than expected for an insurance company of its size, according to the NAIC. Penn National : Based in Harrisburg, Penn National is another option for homeowners looking for a local insurance company. If you ’ ve got a high-tech home, you may be eligible for a discount. The party offers savings for protective fresh home devices such as water sensors, video recording doorbells and security cameras. Allstate : If you like to handle policy tasks online preferably than by earphone, Allstate may be a good option. On its web site you can get a quote, file and chase claims, and get information about coverage basics. Pennsylvania homeowners can save by bundling their home and car policies and by paying on meter. If you choose the company ’ mho deductible Rewards program, your deductible will be reduced by $ 100 for each class you remain claim-free, up to $ 500. Check out NerdWallet ’ s Allstate home policy review to learn more. Farmers : Farmers policyholders in Pennsylvania may be eligible for a deduction if they go at least three years without filing a title. You can besides ask about the Declining Deductibles have, which reduces your deductible by $ 50 each year. Another way to save is by bundling your home and car policies. For more details, see our Farmers home indemnity review. Westfield : extend policies through independent agents, Westfield can customize coverage packages for criterion or high-value homes. You may be able to add coverage for identity larceny, the breakdown of major home systems and price to belowground serve lines. department of state farm : America ’ s largest home insurance company celebrates its hundredth anniversary in 2022. One useful endorsement you may be able to add to a State grow policy is an ostentation guard rider, which mechanically increases your policy limits to make sure your coverage doesn ’ t fall inadequate. Another fringe benefit to consider is the company ’ s exempt Ting overhaul. Ting is a ache home device that monitors your electrical system for fire hazards. Learn more in our State Farm base policy review.

The best Pennsylvania homeowners insurance for different scenarios

If your circumstances differ from that of our sample homeowner, your rate options will look different. here are the best companies for homeowners with poor credit, a history of claims, a new home or a high deductible.

The best homeowners insurance in Pennsylvania for those with poor credit

As in most U.S. states, insurers in Pennsylvania can use your credit-based insurance mark to help set home insurance rates. An insurance score is similar to a traditional credit score but weighted a little differently. Because studies have linked low policy scores with a higher luck of filing claims, people with poor credit tend to pay more for homeowners insurance .

company average annual pace NerdWallet leading rate
Cumberland Mutual $ 1,062

3.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring convention takes into account consumer complaint and customer atonement data . NerdWallet fink

Penn National $ 1,140

4.0 NerdWallet ‘s ratings are determined by our column team. The scoring recipe takes into account consumer ailment and customer satisfaction data . NerdWallet rat

Donegal $ 1,164

3.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into account consumer ailment and customer satisfaction data . NerdWallet rate

selective $ 1,219

3.5 NerdWallet ‘s ratings are determined by our column team. The scoring convention takes into account consumer charge and customer satisfaction data . NerdWallet fink

Westfield $ 1,434

3.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into score consumer complaint and customer satisfaction data . NerdWallet rat

The best homeowners insurance in Pennsylvania for those with a claims history

If you file a homeowners insurance claim, you can expect your rates to go up a bit at your adjacent refilling. Below are the companies with the cheapest rates, on average, for homeowners with a late water damage claim .

company average annual rate NerdWallet asterisk military rank
Cumberland Mutual $ 592

3.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring rule takes into account consumer complaint and customer satisfaction data . NerdWallet rat

Penn National $ 669

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring convention takes into report consumer complaint and customer atonement data . NerdWallet rate

Farmers $ 791

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring rule takes into bill consumer complaint and customer satisfaction data . NerdWallet evaluation

Allstate $ 804

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into history consumer complaint and customer satisfaction data . NerdWallet rating

Westfield $ 874

3.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring recipe takes into account consumer charge and customer atonement data . NerdWallet fink

The best homeowners insurance in Pennsylvania for newer homes

In cosmopolitan, newer homes are cheaper to insure than older ones. Below are the companies with the cheapest median rates for a home plate built in 2021 .

company average annual rate NerdWallet star military rank
erie $ 307

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring rule takes into report consumer complaint and customer satisfaction data . NerdWallet rat

Cumberland Mutual $ 354

3.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into report consumer charge and customer satisfaction data . NerdWallet rate

Allstate $ 358

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into report consumer charge and customer satisfaction data . NerdWallet fink

Penn National $ 372

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into report consumer complaint and customer satisfaction data . NerdWallet rat

Farmers $ 507

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring formula takes into report consumer charge and customer satisfaction data . NerdWallet rating

The best homeowners insurance in Pennsylvania for higher deductibles

If you ’ re willing to increase your deductible and cover more of a potential claim yourself, you can generally lower your average annual home plate indemnity rate. Below are the companies that will charge you the least, on average, for a policy with a $ 2,500 deductible .

party average annual rate NerdWallet star rat
Cumberland Mutual $ 404

3.0 NerdWallet ‘s ratings are determined by our column team. The scoring rule takes into bill consumer ailment and customer atonement data . NerdWallet denounce

Penn National $ 463

4.0 NerdWallet ‘s ratings are determined by our column team. The scoring recipe takes into account consumer complaint and customer satisfaction data . NerdWallet evaluation

Allstate $ 530

4.0 NerdWallet ‘s ratings are determined by our column team. The scoring formula takes into report consumer charge and customer satisfaction data . NerdWallet fink

Farmers $ 585

4.0 NerdWallet ‘s ratings are determined by our editorial team. The scoring recipe takes into account consumer ailment and customer satisfaction data . NerdWallet fink

erie $ 659

4.5 NerdWallet ‘s ratings are determined by our editorial team. The scoring rule takes into explanation consumer ailment and customer gratification data . NerdWallet rat

Average homeowners insurance cost in Pennsylvania by city

How much you pay for homeowners indemnity depends partially on where you live. here ’ s a summation of the median homeowners indemnity cost in 20 of the state of matter ’ south largest cities .

City modal annual rate modal monthly rate
Allentown $ 900 $ 75
altoona $ 991 $ 83
Bethlehem $ 985 $ 82
Easton $ 936 $ 78
erie $ 955 $ 80
harrisburg $ 823 $ 69
Johnstown $ 930 $ 78
lancaster $ 907 $ 76
Lebanon $ 939 $ 78
Levittown $ 1,151 $ 96
Mechanicsburg $ 919 $ 77
Norristown $ 982 $ 82
Philadelphia $ 1,420 $ 118
pittsburgh $ 984 $ 82
Pottstown $ 912 $ 76
Reading $ 948 $ 79
scranton $ 912 $ 76
State College $ 940 $ 78
West chester $ 906 $ 75
York $ 905 $ 75

What to know about Pennsylvania homeowners insurance

Pennsylvania faces respective types of natural disasters that could damage your home. Below are a few problems you might face, plus information on how to make surely your home plate is covered.

Flooding

flood is the most common disaster in the state of matter, according to the Pennsylvania Emergency Management AgencyReady.PA.gov. Know the Threats : implosion therapy. Accessed Apr 21, 2022. View all sources flood insurance. ( If you live in a bad sphere and have a mortgage, your lender may require it. ) note that even if flood indemnity international relations and security network ’ thymine mandated for your property, you may calm be at risk. PEMA recently looked at all Pennsylvania flood locations reported to the National Weather Service between 1993 and 2021, and found that about 90 % of those floods occurred outside the Federal Emergency Management Agency ’ s 100-year flood plain. The 100-year flood homely is an area where the risk of flood is at least 1 % each year.

Winter storms

Snow, sleet, ice rink and freeze rain are all common elements of a Pennsylvania winter, and they can lead to home price like collapse pipes and fallen trees. Most homeowners indemnity policies cover price due to snow and ice, with certain restrictions. For exemplar, you ’ d typically be covered if a rash knocked a tree on top of your home, damaging the roof or other parts of the structure. But if the tree plainly fell over onto the lawn, you likely wouldn ’ t have coverage for the expense of hauling it away. When it comes to frozen pipes, you ’ re broadly covered arsenic long as you ’ ve taken fair measures to prevent them. Say you went out of township for a week and a pipe burst because you left your thermostat set at 50 degrees. Your insurance caller might refuse to pay for the price because you didn ’ t keep your home strong enough to prevent pipes from freezing.

Tropical storms and tornadoes

tropical storms and tornadoes can cause severe wreathe damage to Pennsylvania homes. Standard homeowners policies cover wreathe damage, but some policies may have a distinguish deductible for hurricanes, tropical storms or “ named storms. ” This deductible is a share of your base ‘s insured value quite than a flat dollar measure. sol if your home is insured for $ 300,000 with a 5 % deductible, you have to pay the first gear $ 15,000 of damage from a storm before your insurance company will give you a penny. The deductible can apply to damage from a hurricane, tropical ramp or even a crack that occurs as character of a named storm.

How to get the best home insurance

The best base indemnity for you will give you the coverage you need at a price you can afford. here are a few tips to help you find it. Estimate your coverage needs. A standard homeowners policy includes the adopt types of coverage :

coverage type What it does typical sum
Dwelling Covers damage to the home and attached structures, such as a porch . enough to rebuild your home .
early structures Covers stand-alone structures on your place, such as a argue or shed . 10 % of dwelling coverage .
personal property Pays to repair or replace belongings that are stolen or damaged in a cover event . 50 % to 70 % of dwelling coverage .
Loss of use Helps pay irregular populate expenses while your home is being repaired . 20 % of dwelling coverage .
personal liability Pays if you injure person or cause place damage unintentionally or through neglect . $ 100,000 to $ 500,000 .
checkup payments Pays to treat person injured on your property, careless of who ’ s at fault. besides pays if you, a class member or a pet injures person elsewhere . $ 1,000 to $ 5,000 .

To better understand these coverage types and figure out how much you need, see our guide to homeowners indemnity coverage. shop around. We recommend getting dwelling policy quotes from at least three different companies. You can do so online or by having an independent indemnity agent shop around on your behalf. When evaluating quotes, make surely they all have the lapp coverage options and deductibles therefore you know you ’ re getting a bazaar comparison. understand reviews. The cheapest company may not necessarily be the one with the best coverage and customer service. See NerdWallet ’ mho homeowners indemnity reviews for our ratings of more than a twelve popular companies.

Pennsylvania department of insurance

If you ’ ve got a question about your policy or a complaint about your insurance company, the Pennsylvania Insurance Department may be able to help. You can use the representation ’ s web site to file complaints, look up license agents and learn about homeowners policy. You can contact the department with questions at 877-881-6388. Looking for more policy in Pennsylvania ? frequently asked questions Is homeowners indemnity mandate in Pennsylvania ? In Pennsylvania, homeowners insurance is not mandate. But if you have a mortgage, your lender will probably require you to buy home indemnity . Can my homeowners insurance company drop me if I have besides many claims ? In Pennsylvania, an indemnity party can ’ metric ton cancel your homeowners insurance policy based on your claims history. ( It can, however, cancel your policy if you fail to pay your premium on time. ) How a lot is homeowners insurance per month in Pennsylvania ? The average monetary value of home insurance in Pennsylvania is $ 930 a class, which works out to about $ 78 per calendar month, according to NerdWallet ’ randomness rate analysis. Your own rate may vary depending on where you live and how much coverage you need. Is homeowners indemnity mandatary in Pennsylvania ? In Pennsylvania, homeowners indemnity is not mandate. But if you have a mortgage, your lender will likely require you to buy home plate insurance. Can my homeowners policy company drop me if I have excessively many claims ? In Pennsylvania, an insurance company can ’ metric ton cancel your homeowners indemnity policy based on your claims history. ( It can, however, cancel your policy if you fail to pay your agio on prison term. )

How much is homeowners insurance per month in Pennsylvania ? The average cost of home insurance in Pennsylvania is $ 930 a year, which works out to about $ 78 per month, according to NerdWallet ’ randomness rate analysis. Your own rate may vary depending on where you live and how much coverage you need .

informant : https://www.peterswar.net
Category : Finance

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