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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.
Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
---|---|---|---|
2020 | $967 (1.3%) | $ 81 | 41 |
2019 | $955 (1.3%) | $ 80 | 39 |
2018 | $943 (1.28%) | $ 79 | 40 |
2017 | $931 (0.43%) | $ 78 | 40 |
2016 | $927 (1.52%) | $ 77 | 39 |
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.
Find Local PA Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Adams
- Allegheny
- Armstrong
- Beaver
- Bedford
- Berks
- Blair
- Bradford
- Bucks
- Butler
- Cambria
- Cameron
- Carbon
- Centre
- Chester
- Clarion
- Clearfield
- Clinton
- Columbia
- Crawford
- Cumberland
- Dauphin
- Delaware
- Elk
- Erie
- Fayette
- Forest
- Franklin
- Fulton
- Greene
- Huntingdon
- Indiana
- Jefferson
- Juniata
- Lackawanna
- Lancaster
- Lawrence
- Lebanon
- Lehigh
- Luzerne
- Lycoming
- Mckean
- Mercer
- Mifflin
- Monroe
- Montgomery
- Montour
- Northampton
- Northumberland
- Perry
- Philadelphia
- Pike
- Potter
- Schuylkill
- Snyder
- Somerset
- Sullivan
- Susquehanna
- Tioga
- Union
- Venango
- Warren
- Washington
- Wayne
- Westmoreland
- Wyoming
- York
Pennsylvania Homeowners Insurance News & Information
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
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What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
Pennsylvania Housing & Real Estate Data
Details: | Staticstics |
---|---|
Total Housing Units | 5567315 |
Occupied Housing Units | 5018904 |
Vacant Housing Units | 548411 |
Vacant Housing Units for Rent | 135262 |
Vacant Housing Units Rented Not Occupied | 9386 |
Vacant Housing Units For Sale | 64818 |
Vacant Housing Units Sold Not Occupied | 20131 |
Vacant Housing Units For Seasonal Occasional Use | 161582 |
Vacant Housing Units All Other Vacants | 157232 |
Housing Units Homeowner Vacancy Rate Percent | 1.8 |
Housing Units Rental Vacancy Rate Percent | 8.1 |
Housing Tenure Occupied Units | 5018904 |
Housing Tenure Occupied Units Owner Occupied | 3491722 |
Housing Tenure Occupied Units Owner Occupied Population | 8974740 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.57 |
Housing Tenure Occupied Units Renter Occupied | 1527182 |
Housing Tenure Occupied Units Renter Occupied Population | 3301526 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.16 |
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.