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
| Company | Average Price | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction |
| Erie Insurance | $842 | A+ | 880/1,000 |
| USAA | $1,044 | A++ | 900/1,000 |
| State Farm | $1,468 | A++ | 860/1,000 |
| Allstate | $757 | A+ | 858/1,000 |
| Penn National | $884 | A- | 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.
Best Overall
Why we chose it
Why we chose it
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
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.
Best Customer Service
Why we chose it
Why we chose it
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
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.
Best Coverage Variety
Why we chose it
Why we chose it
Pros
- Financially strong
- Excellent web presence
- 19,000+ agents nationally
- Informative blog
Cons
- Limited discounts
- Higher premiums
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.
Most Affordable
Why we chose it
Why we chose it
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
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.
Best Additional Coverages
Why we chose it
Why we chose it
Pros
- Wide variety of additional coverages
- Many available discounts
- Affordable premiums
Cons
- No online quote tools
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 Pennsylvania | Average 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 writer for Reviews.com with over 15 years of experience. Over the last four months, she has covered homeowners insurance, auto insurance, internet providers, and more. She writes about insurance and personal finance and her work has been featured in publications such as Bankrate, The Simple Dollar and Coverage.com. The Best Internet Providers of 2020 is Carly’s favorite story on Reviews.com.
