Reviews Report
- Pennsylvania homeowners insurance premiums have risen since 2021. The latest official statewide average from the NAIC is available through 2022, and 2025 quotes-based estimates from private researchers (e.g., Bankrate, NerdWallet, Policygenius) indicate higher typical costs than earlier years. a0
- Cheapest options vary by ZIP code and home profile; recent Pennsylvania comparisons often find regional carriers like Erie and national brands such as Nationwide, Travelers and Allstate among Reviews.coms selections for cheapest homeowners insurance in Pennsylvania.
- The best homeowners insurance PA companies balance competitive rates with strong financial strength (e.g., AM Best A- or better), solid claims service and endorsements that matter in PA (such as water backup and service line protection).
Pennsylvania home insurance is not legally required unless your home is financed, but it can provide critical financial protection against covered losses. If you carry a mortgage, your lender will typically require coverage. Several major and regional carriers operate in the state, and a last-resort option exists via the Pennsylvania FAIR Plan when standard-market coverage is unavailable. a0
Reviews.com narrowed the list of homeowners insurance companies using the latest official NAIC benchmarks (through 2022) alongside 2025 quotes-based estimates from industry sources such as Bankrate, NerdWallet and Policygenius. We apply a consistent in-house methodology to compare discounts, coverage, financial strength and third-party evaluations to rank and review the best home insurance in Pennsylvania. Comparing quotes from multiple companies is still the best way to find affordable, appropriate coverage for your needs.
The 6 Best Home Insurance Companies in Pennsylvania
- Nationwide: Best Pennsylvania Home Insurance for Add-On Coverage
- Allstate: Best Pennsylvania Home Insurance for Premium and Deductible Costs
- Erie: Best Pennsylvania Home Insurance for Basic Coverage
- Penn Nat: Best Pennsylvania Home Insurance for Low Rates
- Farmers: Best Pennsylvania Home Insurance for Discounts
- Travelers: Best Pennsylvania Home Insurance for Green Homes
Compare the Best Home Insurance Companies in Pennsylvania
| Average Annual Premiums* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Nationwide | $778 | A+ | 808 | |
| Pin Allstate | $729 | A+ | 829 | |
| Pin Erie | $542 | A+ | 839 | |
| Pin Penn National | $499 | A- | N/A | |
| Pin Farmers | $756 | A | 814 | |
| Pin Travelers | $829 | A++ | 803 |
This comparison reflects sample data captured in 2021; use for direction only. Official statewide averages are current through 2022 (NAIC), and 2025 market estimates indicate higher typical premiums.
* Sample rate data originally provided by Bankrate.com
**J.D. Power U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Nationwide
Best for Add-On Coverage
Why we chose it
Why we chose it
Pros
- Low customer complaint ratings
- Brand new belongings coverage
- Will replace roof with stronger, better materials
Cons
- Lower-than-average customer satisfaction
- Mobile app is geared toward auto policy management
Add-on Coverage
- Better roof replacement
- Replacement cost
- Identity theft
- Valuables Plus
- Water backup
- Earthquake
- Flood insurance
Available Discounts
- Multi-policy
- Protective device
- Claims-free
- Home renovation credit
- Roof rating
- Recent home purchase
- Prior insurance
- Gated community
More Nationwide Insurance Reviews
* Sample rate data originally provided by Bankrate.com
**J.D. Powers U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Allstate
Why we chose it
Pros
Cons
* Sample rate data originally provided by Bankrate.com
**J.D. Powers U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Erie
Why we chose it
Pros
Cons
* Sample rate data originally provided by Bankrate.com
**J.D. Powers U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Penn National
Best for Low Rates
Why we chose it
Why we chose it
Pros
- Agents and offices throughout the state
- Higher limits available for higher-value homes
- Unique discounts not typically seen including smart home devices and wind mitigation construction
Cons
- Mobile app received low customer ratings
Add-on Coverage
- Identity theft
- Loss assessment
- Replacement cost
- Specified additional amount
- Underground utilities
- Valuable articles
- Water backup/sump overflow
Discounts Available
- Loss free
- Non-smoking household
- New homebuyer
- Retired daytime occupancy
- Recent renovations (last 10 years) of electrical, plumbing or heating
- Roof replacement
- Fire protective devices, including smoke detectors, alarms or sprinkler systems
- Burglar protective devices, including deadbolt door locks and alarms
- Wind mitigation construction
- Smart home protective devices
* Sample rate data originally provided by Bankrate.com
**J.D. Powers U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Farmers
Best for Discounts
Why we chose it
Why we chose it
Pros
- Agents and branches available throughout Pennsylvania
- Choose from Standard, Advanced and Premier home insurance package
- Claim forgiveness available
Cons
- Limited add-ons
- Lower customer satisfaction rating than other carriers
Types of Coverage Offered
- Flood
- Earthquake
- Replacement cost
- Scheduled personal property
Discounts Available
- Protective devices
- Non-smoking
- Multi-policy
- Vocational
- Claim-free
More Farmers Insurance Reviews
*Sample rate data originally provided by Bankrate.com
**J.D. Powers U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Travelers
Best for Green Homes
Why we chose it
Why we chose it
Pros
- Green home coverage
- File claims online, through the app or over the phone
- Over 1,700 agents and offices throughout PA
Cons
- Few discounts
- Lower than average customer satisfaction rating
Add-on Coverage
- Green home
- Identity fraud
- Water backup
- Personal articles floater
- Jewelry/valuable items
- Replacement cost
- Special personal property
Discounts Available
- Multi-policy
- Early quote
- Protective device
More Travelers Insurance Reviews
* Sample rate data originally provided by Bankrate.com
**J.D. Powers U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.
Average Cost of Home Insurance in Pennsylvania
According to the latest official NAIC Homeowners Insurance Report (current through 2022), Pennsylvanias average homeowners premium remains below the U.S. average. More recent 2025 market estimates from private researchers (e.g., Bankrate, NerdWallet, Policygenius) for standard $250,000$300,000 dwelling profiles indicate higher typical premiums than in 2021 and significant variation by ZIP, roof age, and prior losses.
- New York: commonly higher than Pennsylvania in recent estimates
- New Jersey: often near or slightly above Pennsylvania
- Ohio: similar to Pennsylvania for some profiles; varies by source
- Maryland: commonly higher than Pennsylvania
Pennsylvania homeowners insurance rates are influenced by the areas weather patterns. The most consequential drivers in recent years have been severe convective storms (damaging straight-line wind and hail) and winter weather (freeze, ice, snow) that can lead to icy roads, frozen or burst water pipes and roof/structural damage from the weight of snow. National climate records show the U.S. experienced more than two dozen billion-dollar disasters again in 2024, with multiple events impacting the Mid-Atlantic, including Pennsylvania. Major winter events locally a0 a0sometimes nicknamed snowmageddon a0 a0have produced significant cleanup costs. Pennsylvania homes may also experience fires, tropical system remnants and occasional tornadoes.
The Cheapest Homeowner Insurance Companies in Pennsylvania
| Home Insurance Company | Average Annual Premium* |
| Westfield | $283 |
| Cumberland Grp | $374 |
| Penn National | $499 |
| Erie | $542 |
| USAA | $714 |
| Allstate | $729 |
| Donegal | $749 |
| Farmers | $756 |
| Nationwide | $778 |
| Travelers | $829 |
| Chubb | $917 |
| PURE | $1,065 |
| State Farm | $1,115 |
* Historical sample based on $250,000 in dwelling coverage; current 2025 quotes may differ significantly. Use for comparison only.
Top 3 Cheapest Homeowner Insurance Companies in Pennsylvania
- Westfield historically among the lowest in our 2021 sample
- Cumberland Grp. historically low in our 2021 sample
- Penn National historically low in our 2021 sample
Top 3 Most Expensive Homeowner Insurance Companies in Pennsylvania
- State Farm among the highest in our 2021 sample
- PURE among the highest in our 2021 sample
- Chubb among the highest in our 2021 sample
Common Home Insurance Perils in Pennsylvania
According to the Insurance Information Institute, most home insurance claims are driven by a few key causes. In Pennsylvania, the most consequential in recent years have been severe convective storms (wind and hail), winter weather (freeze, ice, snow) and related water damage, with fire/lightning also contributing to high-severity losses. Standard policies cover many of these perils, but exclusions and sublimits apply, making it important to confirm your coverage details. a0
Sinkholes occur in specific karst and historic mining areas and can be highly damaging, but they are far less common statewide than wind and water losses. Wind and hail are frequent in Pennsylvania a0 a0so much so that hail maps track larger events a0 a0and straight-line winds regularly cause widespread damage. The best homeowners policy is one designed to protect against these common, costly perils.
Lastly, the states rivers and proximity to the Atlantic mean many Pennsylvania residents are at risk for flooding from heavy rains, tropical remnants and flash flooding. However, home insurance policies do not typically cover flood damage; separate flood insurance is needed.
Add-on home insurance coverage in Pennsylvania
Some common hazards in the state are not automatically covered by a standard home insurance policy. Purchasing an add-on or separate policy can round out your protection a0 a0especially for flood, earth movement and infrastructure-related losses. Under FEMAs Risk Rating 2.0, NFIP flood pricing is property-specific and may change at renewal; the growing private flood market can offer higher limits, additional living expense and shorter waiting periods in some cases.
- Flood insurance: Nationwide and Farmers both facilitate purchasing flood insurance directly. If your insurance carrier doesnt offer to assist with this, you can also buy coverage through the federally-backed National Flood Insurance Program. a0 a0
- Earthquake coverage: Some areas of Pennsylvania are more prone to earthquakes, including Schaefferstown and Philadelphia. Coverage is typically offered as a separate policy with high percentage deductibles; check options and limits with your agent if you are concerned about earthquake damage. a0
- Sinkhole coverage: Standard home insurance excludes earth movement. In at-risk areas, discuss optional sinkhole endorsements with your insurer and review Pennsylvanias state Mine Subsidence Insurance program for mine-related ground movement.
Pennsylvania Home Insurance FAQ
Methodology
We evaluated companies using third-party agency ratings for customer experience and financial stability, current pricing research (official NAIC benchmarks through 2022 and 2025 quotes-based estimates), and coverage options relevant to Pennsylvania (e.g., water backup, service line, ordinance or law) to determine which might be the best providers. a0
To compare home insurance companies across the board, we considered the following factors:
- Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
- Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
- Customer Satisfaction: With J.D. Power’s 2025 U.S. Home Insurance Study, we assigned a score to each company based on the rating it received.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
- Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.
Rate examples in legacy tables were based on quoted annual premiums from Bankrate.com; for current-year context, we also reference 2025 statewide estimates from Bankrate, NerdWallet and Policygenius. These are sample rates for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
