Popular QuestionsPopular Questions about Pennsylvania Home Insurance

How much does Pennsylvania home insurance cost? $893

The national yearly premium average for home insurance is $1,132, but the average cost in Pennsylvania is only $893. That means you'll likely enjoy lower rates on your homeowners insurance if you live in Pennsylvania.

What does my Pennsylvania home insurance do for me?

Think of homeowners insurance as your financial backup plan for the times when bad things happen to your home unexpectedly.

Pays for repairs to your home and your belongings

  • Example: A tree falls on your house, and rain ruins your 60" Samsung TV.

Pays for someone else's injuries or property damage when it's your fault

  • Example: Your kid is playing baseball and accidentally smacks the ball through your neighbor's window.

Pays for temporary living expenses when your home is damaged

  • Example: You need a hotel while your house's roof is being repaired due to a fallen tree.
What are the top 5 Pennsylvania home insurance claims?
  • Wind and hail damage
  • Water damage and freezing
  • Property damage
  • Theft
  • Fire and lightning damage

$2,030,249,000 was spent by insurance companies on homeowners claims in Pennsylvania in 2017.

How is my Pennsylvania homeowners insurance calculated?

Insurance carriers calculate the cost of a home insurance policy by asking, "How likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk."

Below are two examples of risks facing homeowners in Pennsylvania:

Crime

Theft is a common risk in Pennsylvania, and homeowners should take precautions whenever possible.

  • Theft rate in Pennsylvania: 18.13 thefts per 1,000 residents
  • Theft rate in US: 24.9 thefts per 1,000 residents

Weather

Winter weather in Pennsylvania can cause frequent problems for local homeowners. From frozen pipes to roof damage from heavy snow, there are many threats that residents have to consider.

  • Number of catastrophes: 515
  • Number of tornadoes: 12
  • Number of flood claims: 243
  • Property damage from weather: $18,890,000
What are the top insurance companies in Pennsylvania?
travelers logo
safeco insurance
Are there any independent agents in Pennsylvania?

Yes. There are 951 agents in Pennsylvania who are ready to help! Instead of buying insurance directly from a carrier, work with an independent insurance agent who has freedom to shop quotes on multiple policies. This will offer more options and the chance to get the best rates on reliable home insurance coverage.

InformationFind the Best Insurance in your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining home insurance costs. One of many factors is location. Crime rates, weather catastrophes and the overall cost of your home will also factor into how much your home insurance will cost.

How does your city measure up to the national average?

  • National average home insurance cost – $1,173 / year
  • National average burglary rate per 1,000 homes – 4.69
  • National average home value - $188,900


CityAvg. Yearly Cost of Home InsuranceAvg. House ValueNumber of Burglaries per 1,000 Homes
Allentown$756$121,8005.54
Altoona$577$86,9933.74
Bensalem$1,364$249,0003.24
Bethlehem$928$167,7002.85
Bloomsburg$694$127,5651.91
Butler$804$98,48512.43
Carlisle$954$175,3452.29
Chambersburg      $900$156,9704.00
Chester$553$68,5758.23
Cranberry Twp.       $1,549$307,9001.98
Dover$786$149,4141.01
Dunmore$904$160,2663.47
Easton$722$133,6131.75
Erie$587$89,0005.73
Greensburg$746$131,0673.26
Hanover$864$155,8532.77
Harrisburg$641$87,1838.25
Hazleton$549$65,6005.11
Hermitage$787$141,0102.82
Indiana$650$115,9672.60
Johnstown$744$101,8019.33
King of Prussia$1,653$307,7096.48
Lancaster$673$112,1554.30
Langhorne$1,741$362,1312.58
Lansdale$1,305$230,8874.69
Lebanon$582$91,2505.05
Malvern$1,734$357,1540.57
Milford$1,486$292,1383.07
Monroeville$800$147,1002.05
New Castle$671$81,58810.63
Norristown$886$160,1342.76
Oil City$526$62,2080.50
Philadelphia$896$154,0004.45
Phoenixville$1,167$224,5870.48
Pittsburgh$762$120,8006.04
Pottstown$807$132,7135.37
Pottsville$606$71,0472.26
Reading$649$76,1009.70
Scranton$700$109,5005.93
State College$1,523$300,3260.60
Upper Darby$606$105,6002.98
West Chester$1,714$336,7753.38
West Mifflin$553$101,6781.69
Whitehall$816$154,4331.16
Wilkes-Barre$591$76,6388.48
Williamsport$631$108,1843.46
York$554$77,7736.77

Upper Darby, PA

Average cost of Upper Darby home insurance: $81/month

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.

Common homeowners claim in Upper Darby:

Theft

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 Philadelphia 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.

Pittsburgh, PA

Average cost of Pittsburgh home insurance: $95/month 

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.

Common homeowners claim in Pittsburgh:

Freezing and water damage

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.

Allentown, PA

Average cost of Allentown home insurance: $91/month

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.

Common homeowners claim in Allentown:

Property damage

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.

Erie, PA

Average cost of Erie home insurance: $80/month

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.

Common homeowners claim in Erie

Fire damage

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.

Reading, PA

Average cost of Reading home insurance: $86/month

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.

Common homeowners claim in Reading

Water damage

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 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.