Penn National Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Penn National Insurance Company at a Glance
3.25 Stars
We award Penn National Insurance a final rating of 3.25 out of 5 stars. Penn National Insurance has been in the insurance industry for just over a century. The carrier has a high rating from AM Best and solid financial strength. However, it has a poor Better Business Bureau rating and is not accredited by the organization.
Penn National Insurance was founded in 1919. Its headquarters are in Harrisburg, PA, and it sells auto insurance, condo insurance, commercial property insurance, and more. While coverage is only offered in 12 states currently, customers located in those areas have access to a good selection of insurance products for personal or business lines.
Penn National is known for having affordable coverage rates and many discount options. The carrier provides 24/7 customer service and claims reporting, and its official website is excellent. Overall, we recommend looking into Penn National Insurance with the help of your independent insurance agent to be your next trusted carrier.
Penn National Insurance Pros and Cons:
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Penn National Insurance Products by Type
Penn National Insurance offers a variety of coverage solutions for individuals and businesses. Its products include:
Home & Property Insurance:
- Homeowners insurance
- Renters insurance
- Condo insurance
- Personal umbrella insurance
Vehicle & Auto Insurance:
- Car insurance
Business Insurance:
- Business insurance
- Cyber liability insurance
- Employment practices liability insurance
- Contractors businessowners insurance
- Contractors errors and omissions insurance
- Manufacturers errors and omissions insurance
- Mechanics errors and omissions insurance
- Commercial bonds
Penn National Insurance Homeowners Insurance
You'll find all the standard coverage options in a homeowners insurance policy from Penn National Insurance, including dwelling, contents, other structures, additional living expenses, liability, and medical payments to others.
Additional coverage is available for the following:
- Identity theft
- Loss assessment
- Personal injury
- Contents replacement cost
Some other additional coverages are outlined below.
Coverage types, features, and benefits:
Underground utility line
Penn National offers optional coverage for underground sewer and water lines and pipes in case of breaks.
Valuable articles
Penn National offers optional coverage for valuable personal property, including furs, fine art, jewelry, electronics, silver, etc., for covered losses with no deductible or depreciation.
Personal umbrella
Penn National offers optional umbrella or excess liability coverage which can extend your home insurance policy's liability coverage limit in case of an expensive lawsuit.
Water backup and sump pump overflow
Penn National offers optional coverage for sewer, drain, and sump pump failures, backups, and overflows that cause damage to the home or its contents.
Penn National Insurance Homeowners Insurance Average Prices
Penn National's average home insurance rates in Pennsylvania are cheaper than the state average of $1,410 annually. A comparable policy from Penn National costs just $1,020 per year.
Penn National is among the most affordable home insurance carriers in Pennsylvania. However, the carrier's rates may differ in other states.
Penn National Insurance Car Insurance
You can assemble a full coverage auto insurance policy from Penn National, with liability, uninsured/underinsured motorist, collision, comprehensive, personal injury protection, and medical payments coverage. The carrier also offers a few additional coverage options.
Coverage types, features, and benefits:
Auto loan/lease
Penn National offers optional gap insurance, which pays the difference between the vehicle's current value and the amount still owed on a loan or lease after a covered total loss.
Replacement cost auto
Penn National offers optional replacement cost coverage for your vehicle if you're in the process of buying a new car or have bought one within the past 30 days. This coverage can pay for vehicle damage without factoring in depreciation.
Towing and labor
Penn National also offers optional towing and labor coverage, which can pay for professional towing services if your vehicle is disabled.
Penn National Insurance Car Insurance Average Prices
Penn National's car insurance rates are also cheaper than average. The current national average cost of a six-month car insurance policy is $1,093. The same policy from Penn National has an average rate of just $570. Here are some average costs for auto insurance from Penn National by driver age.
Penn National Car Insurance Monthly Prices by Driver Age
| Driver Age Range | Penn National Average Monthly Premium |
|---|---|
| Teenagers | $297 |
| 20-29 | $127 |
| 30-39 | $94 |
| 40-49 | $89 |
| 50-59 | $84 |
| 60-69 | $87 |
Methodology
To obtain our average car insurance rates, we used a sample driver who is a 30-year-old male with no traffic violations or accidents on record and a good credit score. The sample policy has bodily injury liability of $50,000 per person and $100,000 per accident, $50,000 in property damage liability, and collision and comprehensive deductibles of $500 each.
What Discounts Does Penn National Insurance Offer?
Penn National Insurance offers many competitive discounts on its coverages, especially for auto insurance. These discounts include:
- Daytime running lights discount: Offered to auto insurance customers whose vehicles come equipped with daytime running lights.
- Passive restraints discount: Offered to auto insurance customers whose vehicles come equipped with passive restraint devices such as automatic seatbelts and airbags.
- Multi-car discount: Offered to auto insurance customers who insure more than one vehicle through Penn National Insurance.
- Anti-lock brake systems (ABS) discount: Offered to auto insurance customers who have ABS in their vehicles.
- Away-at-school discount: Offered to student auto insurance customers who live on campus and are more than 100 miles away from home.
- Paid-in-full discount: Offered to auto insurance customers who pay their entire annual premium upfront.
- Bundling discount: Offered to customers who insure their home and vehicle through Penn National.
- Good student discount: Offered to auto insurance customers who have students on their policies who maintain a B-average or better.
- Driver education discount: Offered to auto insurance customers who complete an approved driver's education course.
An independent insurance agent can provide better discount information and premium quotes for coverage through Penn National Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Penn National Insurance Customer Service
Penn National Insurance allows customers to file claims over the phone, online, or by mobile app anytime. The carrier provides the following customer service options:
- Phone
- Snail mail
- 24/7 phone claims reporting
- Online claims reporting and bill pay
- Mobile app available
- Customer service department is available 24/7
| Days | Hours (ALL TIME ZONES) | ||
| Monday-Sunday | 24/7 |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
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Penn National Insurance FAQs
Penn National Insurance allows customers to file claims at any time over the phone, by mobile app, or online. The carrier’s official website states that it will assign a claim to an adjuster no later than the next business day and customers will be contacted by a local claims adjuster within 24 hours.
Penn National Insurance allows customers to file claims anytime through a couple of different mediums. The carrier’s official website details the process for auto insurance claims as follows:
- Claim is received and assigned to an adjuster no later than the next business day.
- Customer is contacted by the local claims adjuster within 24 hours.
- The adjuster gathers information and the customer can get a recommendation for a repair shop and get an estimate for repairs.
- A claims adjuster will be assigned to inspect the vehicle if there is significant damage.
- Damage repair estimates are reviewed by Penn National's Small Estimate Review Team. The agreed repair price is determined and the customer receives payment minus their deductible.
- Vehicle repairs are completed.
If you have any further questions about Penn National's claims process, an independent insurance agent can assist you.
Penn National Insurance’s website is excellent. Customers can locate important information quickly and easily. The carrier provides plenty of details for customers such as a broken-down claims process.
The insurance company offers several modern customer service options such as 24/7 claims reporting, online bill pay, and find an agent features. The carrier works with independent insurance agents to ensure their customers are matched with the best coverage possible for them.
A mobile app is available for smartphone users. Penn National Insurance also has a social media presence on LinkedIn and Facebook, overall making for a highly user-friendly experience.
Penn National Insurance provides 24/7 customer service and claims reporting for its customers. The carrier also has an active social media presence on Facebook and LinkedIn, making it even more accessible to customers.
Penn National Insurance provides a good selection of coverages for individuals and businesses, including homeowners insurance. The carrier’s homeowners insurance policies offer the following coverages:
- Dwelling coverage
- Personal belongings coverage
- Other structures (e.g., garages) coverage
- Liability claims coverage
- Medical payments coverage
- Umbrella coverage (optional add-on)
- Valuables coverage (optional add-on)
- Personal injury coverage (optional add-on)
- Underground utility line coverage (optional add-on)
- Water backup and sump pump overflow coverage (optional add-on)
- Identity theft coverage (optional add-on)
- Loss assessment coverage (optional add-on)
- Personal property replacement cost coverage (optional add-on)
An independent insurance agent can help you find out more about Penn National's home insurance policies and its other products.
Penn National Insurance has been around for more than a century and is highly rated by AM Best. However, Penn National has a poor BBB rating and is not accredited by the organization.
The carrier provides a nice selection of coverages for individuals and businesses, an excellent user-friendly experience for its customers, and works with independent insurance agents. Overall, Penn National Insurance can be considered a good insurance company.
Penn National's insurance products may be right for individuals and commercial customers located in the 12 states where coverage is available. Auto, home, and business insurance products are available.
The average cost of home insurance in Pennsylvania is $1,410 per year. In comparison, Penn National's policies average just $1,020 per year.
https://www.pennnationalinsurance.com/
https://ratings.ambest.com/CompanyProfile.aspx?AltSrc=10&AmbNum=000766&_gl=1*bn5ade*_ga*MTM5MTk0NjAyNi4xNzI4NTkwOTE0*_ga_VNWYD5N5NL*MTczMTY4MjM5Ny4xNy4xLjE3MzE3MDAyMTEuMC4wLjA.
https://www.bbb.org/us/pa/harrisburg/profile/insurance-companies/penn-national-insurance-0241-58000004
https://www.nerdwallet.com/article/insurance/homeowners-insurance-pa#:~:text=How%20much%20does%20homeowners%20insurance,score%20to%20help%20set%20rates.
https://www.thezebra.com/insurance-companies/penn-national-reviews-coverage-options-and-ratings/#:~:text=How%20much%20does%20Penn%20National,compares%20against%20other%20top%20insurers.&text=Similar%20to%20most%20other%20insurers,premiums%20for%20different%20age%20brackets.