Popular Questions about Pennsylvania Home Insurance

In Pennsylvania, the average annual cost of homeowners insurance is $931, which is lower than the national figure of $1,211 per year. When you're searching for the most competitive prices on Pennsylvania home insurance, a trusted adviser can help for free. 

Each homeowners policy comes with automatic standard coverages that protect against fire, theft, vandalism, and severe weather losses. The limits are categorized under the following coverage types:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses 

In Pennsylvania, there are homeowners risks that are common and could be a threat to your property. For the best protection, make sure your home policy has coverage for these major concerns:

  • Flooding and water damage
  • Severe storms and lightning damage
  • Hurricanes and tropical storms
  • Heavy snow
  • Burglary and other property crimes

Homeowners insurance is calculated using both personal and local factors. Pennsylvania carriers will look at past claims reported, property value, coverage selection, crime rate, and severe weather in the area when quoting your policy. To get exact costs for your home insurance, consult with a licensed professional.

Each state governs insurance differently. In Pennsylvania, you are not mandated by law to carry homeowners insurance. However, if you have a mortgage or lienholder, they will require evidence of home coverage to obtain a loan. With Pennsylvania having $1.3 billion in paid home claims in one year alone, proper protection is necessary to avoid financial devastation.

You'll have options when it comes to your homeowners insurance. The top-rated carriers in Pennsylvania are Foremost, Travelers, Progressive, and Safeco. These insurance companies are known for speedy service and broad coverage selection. The best homeowners market for you will be based on your specific needs.

Do You Know What Your Pennsylvania Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Chambersburg      $900$156,9704
Cranberry Twp.       $1,549$307,9001.98
King of Prussia$1,653$307,7096.48
New Castle$671$81,58810.63
Oil City$526$62,2080.5
State College$1,523$300,3260.6
Upper Darby$606$105,6002.98
West Chester$1,714$336,7753.38
West Mifflin$553$101,6781.69
  1. $81
  2. Upper Darby, PA Monthly average home insurance cost
  3. Average monthly cost of Upper Darby home insurance: $81
  4. Your monthly cost could be higher or lower, depending on the size and age of your home, the local crime rate, your credit score, and several other variables.
  5. Common homeowners claim in Upper Darby: Theft
  6. If you come home from work and discover that your house was ransacked, windows were smashed, and your big screen television is missing, you're not alone. Theft impacts many homeowners in Upper Darby each year. Your home insurance plan is a backup you can rely on when you need to replace stolen valuables and make repairs after a break-in.

  1. $95
  2. Pittsburgh, PA Monthly average home insurance cost
  3. Average monthly cost of Pittsburgh home insurance: $95 
  4. Several variables will impact your rate for home insurance in Pittsburgh. Your house's age and location, the local crime rate, and your credit score will all play a role.
  5. Common homeowners claim in Pittsburgh: Freezing and water damage
  6. The extreme cold during Pittsburgh's winters can quickly cause pipes to freeze and burst. If you wind up with puddles of water standing in your kitchen or bathroom, your home insurance policy will cover the cost of cleanup and repairs.

  1. $91
  2. Allentown, PA Monthly average home insurance cost
  3. Average monthly cost of Allentown home insurance: $91
  4. The cost of home insurance can vary depending on the size, location and age of your home and the crime rate in your neighborhood. Your actual premium might be higher or lower than the average, based on these variables.
  5. Common homeowners claim in Allentown: Property damage
  6. Whether you're dealing with spray paint on your garage door or smashed windows, vandalism is a frustrating problem. In some parts of Allentown, vandalism is a real concern for homeowners. If you become a victim, the property damage is covered by your homeowners insurance plan.

  1. $80
  2. Erie, PA Monthly average home insurance cost
  3. Average monthly cost of Erie home insurance: $80
  4. Your home insurance premium might be higher or lower, depending on the size of your house, your credit score, the crime in your area, and several other factors.
  5. Common homeowners claim in Erie: Fire damage
  6. Maybe it started with an electrical problem. Maybe you forgot to unplug the curling iron or turn off a burner on the stove. Whatever starts a fire, the damage can be catastrophic, but homeowners insurance gives you protection. Just file a claim and the damage will be covered.

  1. $86
  2. Reading, PA Monthly average home insurance cost
  3. Average monthly cost of Reading home insurance: $86
  4. Your home insurance premium might be more or less. It's all based on factors like the size of your home, your home's building materials, the local crime rate, and your credit score.
  5. Common homeowners claim in Reading: Water damage
  6. You walk into the bathroom and discover that the pipe under the sink froze and busted overnight. Now there is water everywhere and your floor is a soggy mess. Further investigation reveals that the damage goes all the way into the subflooring. It's an expensive problem, but when you file a claim with your Reading homeowners insurance, the cost for repairs will be covered.