The 4 Best Pennsylvania Homeowners Insurance Companies

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Despite unpredictable mid-Atlantic weather and some pockets of very high home values, Pennsylvanians pay surprisingly low homeowners insurance premiums on average. In fact, Keystone state homeowners saw one of the largest drops in average quotes in the last quarter, with the current average being just $804–significantly lower than the $1,034 national average.

Though this may sound like good news for Pennsylvania homeowners, the truth of the matter is that a lot of the homes in the state are on the older side, and therefore require more upkeep and protection in the event of inclement weather. That’s why the provider you chose to insure your Pennsylvania home has to offer not just affordable prices, but comprehensive coverage so you can feel safe. There are a lot of companies vying for the Pennsylvania insurance market–we’ve outlined our top choices and included an online quote tool so you can compare policies and prices and make the right choice for your home.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Farmers Insurance

Farmers is a good option if your home is newer and you’re looking to get the most bang for your buck. Farmers offers some of the cheapest policy options for homeowners insurance in Pennsylvania and has a lot of discounts to apply on top.

Standard discounts from Farmers include those for multi-policy bundling, new or newly renovated homes, and installing protective devices like sprinklers or deadbolts. Other, more unique, discounts include those you can receive if everyone residing in your home is a non-smoker, if your home has recently been inspected, if you’ve made any “green” home efficiency renovations, or if you’ve replaced your roof in the last six years. Qualifying for these discounts can reduce your total annual premium price by up to 30%, so keep them in mind when shopping around for a policy.

In addition to offering discounts, Farmers Insurance prides itself on the quality claims management tools available to customers. In the event that you have to file a claim with Farmers, you can do so either in person with a local agent, over the phone, online, or using the Farmers iClaim app. Your claim is then promptly assigned to a professional claims representative and can easily be tracked throughout the process until a settlement is reached so you’re never out of the loop. Farmers also has contractor and hotel partnerships to assist you in getting any emergency repairs done or finding temporary lodging while you’re undergoing the claims process.

State Farm

State Farm is the largest U.S. provider of homeowners insurance, with over 1,000 local agents in the state of Pennsylvania alone. Keystone State residents choose State Farm because of the wide selection of customizable coverage options available to them at a low price. State Farm provides standard coverage for nearly every type of dwelling, including manufactured homes, farms and ranches, and even very old homes (on a case-by-case basis). Additional options include personal liability coverage, insurance for home businesses and condos, and extra protection for valuables.

State Farm provides special online homeowners resources to help you determine exactly how much coverage you need, as well as inventory tools to seamlessly keep track of your belongings and their respective value so that in the event of an emergency, you can remove the guesswork. Keep in mind that although State Farm is an affordable comprehensive coverage option, the company doesn’t offer some popular discounts, such as those for new or recently renovated homes. If you think you qualify for such a discount, we suggest comparing policies to see how much of a price break you can get with other providers before making a final decision.

Allstate

Allstate has among the best educational resources and tools for homeowners of any competing provider. Allstate’s website features articles, videos, checklists, and tips to keep your home safe and help save you money. Various online tools from Allstate can also assist you in managing your policy. The Premium Gauge tool from Allstate, for example, allows you to see how various factors like the age of your home or installing a protective device would affect how much you pay for your annual premium. And Allstate’s Digital Locker tool helps you keep a secure running inventory of your belongings, complete with pictures, conditions, and value, using any mobile device or computer.

Like State Farm, Allstate also offers a large range of coverage options, with standard policies available for most common dwellings. Allstate provides coverage for older homes as well, so Pennsylvania residents can take full advantage of this sometimes hard-to-find option.

Allstate can also help you save a good amount of money on your policy with unique discounts like 10% off for new customers, 5% off for setting up automatic payments, 10% off for retirees, 10% off for signing up with Allstate before your current policy expires, and many more. Contact a representative or use the quote tool above to get an estimate of how much you would save by starting a new policy or switching to Allstate.

Erie Insurance

Erie Insurance only serves 11 states in the U.S. (plus the District of Columbia) and provides some of the cheapest coverage options available. Erie’s homeowner insurance program offers three comprehensive protections:

  • Structure Coverage helps protect your home’s exterior from fire and other hazards.
  • Personal Property protects items inside your home from damage, theft, and loss.
  • Liability helps protect you if you hurt someone or damage someone’s property.

With this policy, you can add on extra coverage in varying tiers as well, so you have full control over the limits you set and how much you wish to protect. Policyholders can save anywhere from 14% to 30% by bundling multiple policies (amount also varies per state).

Erie also offers service line coverage, to helps protect against damage resulting from a break in underground utility lines (such as water, gas, or power). Both the ErieSecure Home® Plus and ErieSecure Home® Select bundles can protect up from $10,000 to $25,000 for physical damages resulting from accidents or breaks in the line.

Erie has a well-rated claims department and is backed by an A+ rating for financial strength from A.M. Best, so you can be confident in the quality coverage and service you will receive.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Best Pennsylvania Homeowners Insurance Companies

  • Farmers Insurance
  • State Farm
  • Allstate
  • Erie Insurance

Check out our Complete Guide to Homeowners Insurance for more tips on choosing an insurance provider. Plus, see our national picks for the Best Home Insurance Companies for 2018.