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Last updated on Oct 28, 2020

The Best Homeowners Insurance Companies in Pennsylvania

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    Our team pulled together the top providers in Pennsylvania, evaluating each for their breadth of coverage, available discounts, market share, customer service, and more. While Erie Insurance offers the best overall homeowners’ insurance in the state, we list some other top contenders that also provide some of the best coverage options for Pennsylvania residents. Some of the companies we recommend here were also top picks in our national list of best homeowners insurance.

    The 5 Best Homeowners Insurance Companies in Pennsylvania 

    Compare Pennsylvania’s Top Insurance Companies

    CompanyAverage PriceAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Erie Insurance$842A+880/1,000
    USAA$1,044A++900/1,000
    State Farm$1,468A++860/1,000
    Allstate$757A+858/1,000
    Penn National$884A-N/A

    Erie Insurance

    Erie has been in the insurance business for over 95 years. The company offers standard homeowners insurance and a variety of extras such as coverage for pets, expanded theft protection, guaranteed replacement cost among others. Erie is a good option to look at for homeowners in the 12 states they serve. 

    ERIE Insurance

    Best Overall

    Why we chose it

    Erie offers thorough base policies for their insurers at affordable rates. The provider includes replacement cost coverage in its standard home policies and offers additional discounts to lower your policy even more. Erie’s reputation is backed by its excellent customer satisfaction ratings and a solid financial record.
    • 4.25 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 838* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Erie offers thorough base policies for their insurers at affordable rates. The provider includes replacement cost coverage in its standard home policies and offers additional discounts to lower your policy even more. Erie’s reputation is backed by its excellent customer satisfaction ratings and a solid financial record.

    Pros

    • Thorough base policy
    • Two options for flood insurance coverage
    • Great customer satisfaction ratings

    Cons

    • No mobile app for home insurance
    • Not many online capabilities
    • Can’t file a claim online
    Read More

    Discounts available

    • Multi-policy
    • Advance quote discounts 
    • Sprinkler system credit

    Unique features

    Erie offers one of the highest savings for multi-policy that could be found out there. The company advertises up to a 25% discount when you choose to bundle car and home insurance. 

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on ERIE Insurance:

    USAA

    USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.

    Allstate

    Best Customer Service

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • N/A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    Cons

    • Only available to current and former military members and their families
    • Limited discounts
    Read More

    Discounts available

    • Save 10% if you bundle with auto 
    • Claims-free 10% discount
    • Home security system discount

    Unique features

    USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on USAA:

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about homeownership in general.

    State Farm

    Best Coverage Variety

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 831* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    Available discounts

    • Multiple policy discount
    • Fire, smoke, or burglar alarms discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale 

    Further Reading on State Farm:

    Allstate

    Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.

    USAA

    Most Affordable

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 814* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in their coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    Cons

    • NAIC complaint index high
    • Financial strength ratings good, but not great
    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale 

    Further Reading on Allstate:

    Penn National

    Penn National is an insurance company headquartered in Pittsburgh, Pennsylvania that services 11 states in the country. Offering a wide variety of additional coverage options to homeowners, they have some of the most comprehensive homeowners’ insurance products for Pennsylvania residents.

    Penn National

    Best Additional Coverages

    Why we chose it

    Penn National made the list for their incredible range of available discounts as well as their affordable premiums.
    • N/A Reviews Score
    • A- AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Penn National made the list for their incredible range of available discounts as well as their affordable premiums.

    Pros

    • Wide variety of additional coverages
    • Many available discounts
    • Affordable premiums

    Cons

    • No online quote tools
    Read More

    Discounts available

    • New homebuyer discount
    • Nonsmoking household discount
    • Claim-free discount
    • 55+ retired discount
    • Protective device discount
    • Electrical/plumbing/HVAC renovation discount
    • Roofing discount

    Unique features

    Penn National is one of the most affordable homeowners’ insurance solutions in Pennsylvania, featuring a broad variety of unique discounts and additional coverage options.   

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Average Cost of Homeowners’ Insurance in Pennsylvania

    The average cost of homeowners’ insurance in Pennsylvania is just $801, which is more than $400 less expensive than the national average ($1,211). Low homeowners’ insurance premiums in Pennsylvania can be attributed to the state’s lower average home value compared to other states in the country. The average cost of a home in Pennsylvania is roughly $200,000, whereas the national average is $231,000.

    Home Insurance Add-Ons That Will Further Protect You

    In addition to standard homeowners’ insurance property coverage, Pennsylvania residents will do well to take advantage of additional coverage options when putting together their package. For example, depending on where you’re located in Pennsylvania, it may be beneficial to secure flood insurance for your home as well. This will help protect your home in the event a flood takes place and water damage is incurred.

    Additionally, some homeowners’ insurance providers offer hosting coverage for short-term rentals. For instance, Allstate offers a HostAdvantage® add-on that provides additional protection for your personal belongings from guests when you aren’t home.

    Many homeowners also choose guest medical protection as an add-on with their coverage. This covers the cost of medical services rendered as a result of an accident that occurred on your property. If a guest gets injured and needs medical attention, your insurance provider will cover the cost of their medical expenses.

    The Cheapest Homeowner Insurance Companies in Pennsylvania

    Largest Companies by Market Share in PennsylvaniaAverage Annual Premium
    American Select Insurance Company$351
    Allstate$757
    Truck Insurance Exchange$782
    ERIE Insurance$842
    Penn National$884
    USAA$1,044
    Chubb$1,165
    Donegal Mutual Insurance$1,168
    Privilege Underwriters Reciprocal Exchange$1,183
    Encompass$1,305
    Nationwide$1,327
    State Farm$1,468

    Cost of Homeowners’ Insurance by Age of Home

    Age of Home (Years)Sample Annual Premium
    5$1,072
    20$1,432
    30$1,494
    50$1,521
    Average for All Ages$1,380

    Top 3 Cheapest Homeowners’ Insurance Companies in Pennsylvania

    • American Select Insurance Company – $351
    • Allstate – $757
    • Truck Insurance Exchange – $782

    Top 3 Most Expensive Homeowners’ Insurance Companies in Pennsylvania

    • State Farm – $1,468
    • Nationwide – $1,327
    • Encompass – $1,305

    Helpful Resources for Pennsylvania Homeowners

    Whether you’re in the market for homeowners’ insurance in Pennsylvania or are simply looking for ways to maximize savings with your current provider, there are plenty of helpful resources available for residents to take advantage of when it comes to their insurance policies. The official Pennsylvania government website offers a full breakdown of helpful resources, including how to shop for homeowners’ insurance, beneficial add-ons to consider, how to prepare for inclement weather, and more.

    You can also use the HUD.gov website to find helpful resources on home repairs and renovation tips. This is also a great resource to use if you’re considering switching providers as there are a broad range of discounts available for those who make certain home improvements to their homes.

    Homeowners’ Insurance FAQs

    Is homeowners’ insurance required in Pennsylvania?

    While homeowners’ insurance is not required by law in Pennsylvania, many mortgage lenders do require homeowners to have this type of insurance policy prior to offering any lending solutions to finance their homes.

    What is the cheapest homeowners’ insurance in Pennsylvania?

    The least expensive homeowners’ insurance provider in Pennsylvania is American Select Insurance Company at $351. However, Allstate makes a close second and is one of our top picks for the best homeowners’ insurance providers in Pennsylvania. Keep in mind that insurance companies consider different factors to determine how much you’ll pay for home insurance, so you should shop around to find the cheapest option for you. You can start by checking our review of the best cheap home insurance in the country

    What homeowners’ insurance add-ons are most beneficial for Pennsylvania residents?

    Considering the fact that Pennsylvania’s average annual rainfall calculates to over 40 inches (10 inches higher than the national average), we recommend that residents consider adding flood insurance to their homeowners’ insurance policies.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best companies. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using JD Power Homeowners Satisfaction ratings.
    • Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available. 
    • Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best.
    • Customer Experience– The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    About the Authors

    Carly Severino is a freelance copywriter and editor with more than 15 years of writing experience, and is the current founder of Word Nerd Writing & Editing Services. She writes about insurance and personal finance in publications such as Reviews.com, Bankrate, The Simple Dollar and Coverage.com.

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