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While there are a variety of home insurance providers in Pennsylvania to choose from, digging through policy details can be a headache.
We at the Guides Home Team researched the best homeowners insurance companies and compared each company’s policy details, discounts and pricing to help you find the right home insurance provider for your home in PA.
The average cost of homeowners insurance in Pennsylvania is $943, which is lower than the national average of $1,249, according to the Insurance Information Institute.
Homeowners insurance rates vary based on your location, your home’s square footage and other factors. To get your personalized quote, use our free tool below.
After in-depth research, here are the top five providers of the best homeowners insurance in Pennsylvania:
Lemonade makes it easy for homeowners to manage their policies and make fast claims. The company has AI software built into its mobile app and website, which helps customers sign up for policies, connects policyholders to customer service representatives and assists with claims.
Consider the advantages and disadvantages of Lemonade:
Discounts: Fire-resistant materials, gated community, home protection equipment, proximity to fire station and hydrants, fire safety equipment and devices
Endorsements: Water backup, unmarried significant other, swimming pool liability, specific coverage for high-value items including fine art, bikes, cameras and musical instruments
Get a Quote: To request a free quote, visit Lemonade’s website and get a quote in under five minutes.
To Learn More: Lemonade Home Insurance Review
*A.M. Best ratings accurate as of February 2023
State Farm is an ideal option for new homeowners, since it offers educational resources that explain each coverage type to help you determine your coverage needs. Although this insurer doesn’t offer as many discounts as some other home insurance companies, its bundling discount allows homeowners to save on multiple policies from the company. For example, the premium we were quoted was $448 cheaper when bundled with car insurance.
Take a look at the positives and negatives of State Farm:
Discounts: Claim-free history, roof type, security and fire alarm systems, multi-policy bundling
Endorsements: Identity theft, home systems protection, loss assessment for HOA charges, sewer and drain backup, sinkhole collapse, energy efficiency upgrade, service line repair
Call 1-360-262-2561 for your free State Farm home insurance quote
To Learn More: State Farm Insurance Review
Nationwide has been in the home insurance industry for more than 100 years and is known for its extensive additional coverage options and comprehensive policies. One unique highlight of the company is that it includes personal injury liability in a basic quote, which is typically considered an endorsement that adds an extra cost to insurance rates.
Learn about the advantages and disadvantages of Nationwide:
Discounts: Construction or renovation age, bundling, protective devices, claims-free history, home renovation credit, roof rating, recently purchased home, gated community, prior insurance coverage
Endorsements: Building ordinance, service line, replacement cost for personal property, tools, identity theft protection, loss assessment, better roof replacement, equipment breakdown, landlord furnishings, increased coverage for homeowners who have tenants, water backup
Call 1-360-262-2561 for your free Nationwide home insurance quote
To Learn More: Nationwide Insurance Review
Allstate made our top list for Pennsylvania homeowners because of its exceptional customer service, years of experience in the insurance industry, unique discounts and coverage options. As one of the largest home insurance providers in the country, Allstate is a great starting point for homeowners looking for comprehensive standard coverage with a few extras.
It also has useful online tools, such as a Common and Costly Claims feature that shows you home insurance risks based on your zip code.
Here are some of the pros and cons of Allstate:
Discounts: Welcome discount for new customers, early signing, responsible payment history, claim-free history, protective devices, auto pay, loyalty discount, bundling with other policies
Endorsements: Water backup, roof surfaces extended coverage endorsement, building codes, identity theft, jewelry, watches, furs.
Get a quote from Allstate Homeowners Insurance
To Learn More: Allstate Home Insurance Review
Travelers offers nine different deductible options ranging from $1,000 to $50,000. It also gives you the option to decrease your chosen deductible by $100 each year that you maintain your policy without changing the overall insurance rate.
Take a look at some of the benefits and drawbacks of a Travelers home insurance policy:
Discounts: Early quote, protective devices, new home buyer, bundling with auto insurance, loss-free history, green home
Endorsements: Equipment breakdown, replacement cost, roofing and siding matching, identity theft
Get your personalized home insurance quote from Travelers.
To Learn More: Travelers Insurance Review
Here’s a look at some of the most significant factors that affect home insurance rates.
Pennsylvania isn’t one of the highest risk states when it comes to home insurance; however, these are some common causes of claims filed in the state:
Whether you prefer a home insurance company like Lemonade that has an easy-to-use website and mobile app or a company like Allstate that’s been in the home insurance industry for years, each home insurance company listed in this review offers solid coverage at affordable prices.
Regardless of which insurer is most attractive to you, we recommend requesting quotes from at least three providers to compare coverage and pricing.
You can call 855-948-5219 or get a quote here to start your home insurance comparison.
Yes, damage from snowstorms that isn’t preventable is typically covered under a standard homeowners insurance policy. However, if snowfall or ice causes your roof to leak due to poor maintenance, normal wear-and-tear or corrosion, your policy probably won’t cover the claim.
If you currently have an auto insurance policy, you may be able to receive home insurance from the same provider and save money by bundling policies. These insurance product bundles often come with worthwhile discounts, savings and benefits, such as shared deductibles and lower premiums.
No, homeowners insurance is different from a home warranty in that it covers damages and losses caused by unpredictable events, such as natural disasters or theft. A home warranty covers repairs and replacements on major systems and appliances, such as refrigerators, air conditioning systems, and dishwashers, that break down due to normal wear and tear.
The average annual homeowners insurance premium in Pennsylvania is $943, which is lower than the national average of $1,249, according to the most recent report released by the Insurance Information Institute.
Our team surveyed dozens of home insurance providers and created a scoring system to judge each company’s quality and service. We reach out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:
Companies with the best customer service exhibit 24/7 availability, educational resources on their website, useful digital tools and a seamless claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don’t, putting them toward the top of our recommendations to readers.
Ratings listed in this article are accurate as of October 2022.
A.M. Best Disclaimer
Parker King is a writer, editor and SEO content strategist with a master’s degree in professional communication from Clemson University and years of experience in the digital marketing industry. She specializes in writing, editing and optimizing personal finance, home services and insurance content.
Veronika Jelenik is an editor with a background in journalism. She previously has had her work published in the New York Daily News and the Hartford Courant, and she has covered many disparate topics. Veronika has a bachelor’s degree in journalism and social and cultural analysis. When not immersed in home services content, Veronika enjoys spending time with her friends and her Chihuahua, Beanie.
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