Pennsylvania Homeowners Insurance Quotes

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.

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.

For more information on homeowners insurance in your area, choose a county below:

• North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

  The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

• 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

  While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

• Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

  Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

• Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

  Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

• 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 […]

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.