Philadelphia Homeowners Insurance

What Your Philadelphia Home Insurance Policy Needs

Find the right home insurance policy for you.

Lonely Planet ranked Philadelphia, PA as the #1 place to visit in the United States. If you're lucky enough to live in this city full time, you enjoy some of the best amenities in the nation, with a bustling downtown area, a nonstop night life and the world's best cheese steak sandwiches to boot. Of course, this massive city also carries some serious risks like a high crime rate and unpredictable weather. Make sure you're prepared with reliable Philadelphia homeowners insurance.

The Trusted Choice® Independent Insurance Agents specialize in connecting Philadelphia homeowners with comprehensive home insurance at affordable prices. Whether you live in a single-family home, a quaint townhouse or a high-rise apartment, the Trusted Choice agents can guide you toward the right coverage at a price you can afford. 

  • National yearly premium average: $1,034
  • Pennsylvania yearly premium average: $804
  • 36th most expensive premium in the U.S.

Pennsylvania has much more affordable home insurance premiums than most other states in the country, but your actual cost could vary dramatically. Ultimately, your premium will be determined by your home's size, neighborhood and unique risk factors like swimming pools, trampolines and aggressive dog breeds. The Trusted Choice Agents can guide you toward potential discounts that can drastically slash the cost of homeowners insurance and help you save a bundle on your annual premiums. 

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Number of Thefts in Pennsylvania

  • National number of burglaries: 37,814
  • Pennsylvania number of burglaries: 52,034

Pennsylvania's high crime rate is a major concern for homeowners, and Philadelphia has an especially high risk. If you become the victim of a burglary or home invasion, your homeowners insurance policy will be more important than ever. Home insurance protects not only your house but also the stuff you keep hidden inside. If you are robbed, your homeowners policy pays for you to replace the stolen items and repair any damage to your property from the break-in. 

Number of Catastrophes in Pennsylvania

  • Number of catastrophes in Pennsylvania: 515
  • Number of tornadoes in Pennsylvania: 12
  • Amount of property damage in Pennsylvania: $18,890,000
  • 1 in 15 insured homes has a claim each year

Philadelphia is the fourth-riskiest major community for natural disasters in the nation. With just 60 miles separating the "City of Brotherly Love" from the Atlantic Ocean, hurricanes are a major threat along with other coastal storm systems that bring high winds, torrential rainfall and hail damage. 

What Are the Risks in Philadelphia?

For Philadelphia homeowners, the most serious risks are natural disasters and crime. Break-ins are far too common in this city, and even if you have a top notch security system in place, you aren't immune from the potential threat of burglaries. The weather in this city is often unpredictable, with heavy snowfall in the winter and serious storms in the summer. Both can spell disaster for homeowners, so make sure you are prepared with a comprehensive homeowners insurance plan. 

Compare Philadelphia Home Insurance Quotes

Making a phone call to a Trusted Choice agent is the first step in finding a reliable home insurance policy. Our Independent Insurance Agents will listen to your needs, take note of your concerns and then offer multiple quotes on the coverage you need for your home. You can compare the different options and weigh the pros and cons before choosing a policy for your home. Contact a Trusted Choice agent today to learn more about Philadelphia homeowners insurance and get your own personalized quote. 

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