The Best Pennsylvania Homeowners Insurance Companies

Despite unpredictable mid-Atlantic weather and some areas with very high home values, Pennsylvanians pay surprisingly low homeowners insurance premiums. Keystone State homeowners pay an annual average of just $801, according to Insurance.com, which is significantly lower than the $1,228 national average.

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    This is good news for many Pennsylvania homeowners, but a lot of homes in the state require more upkeep and protection and therefore, cost more to insure. That’s why the provider you choose to insure your Pennsylvania home has to offer not just affordable prices, but also 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.

    In this article

      Top Picks for Best Homeowners Insurance in Pennsylvania

      Finding the best homeowners insurance policy in Pennsylvania can be difficult. Here are four of the best options available:

      Farmers Insurance

      Farmers Insurance 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. On top of these already terrific savings, it offers a lot of discounts and customizations.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      3.2 / 5.0
      close
      SimpleScore Farmers 3.2
      Discounts 2
      Coverage Options 3
      Customer Satisfaction 3
      Support 4
      Accessibility 4

      Standard discounts from Farmers include those for multi-policy bundling, new or newly renovated homes and installing protective devices such as sprinklers or deadbolts. Other more unique discounts include those you can receive if everyone living 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 past six years. Qualifying for these discounts can reduce your total annual premium price by up to 30 percent, 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 by 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. Farmers also has contractor and hotel partnerships to assist you in getting any emergency repairs done or finding temporary lodging during the claims process. A.M. Best gives Farmers Insurance the designation of excellent for financial strength, and J.D. Power found that claims satisfaction is better than average.

      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.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4 / 5.0
      close
      SimpleScore State Farm 4
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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. The agency’s Premier Service Program will put you in touch with professional contractors who can help you make repairs and remove water damage for incidents that are included in your policy. J.D. Power says State Farm is above average for customer satisfaction.

      State Farm provides special online 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 value so that in the event of an emergency, there is no 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 decision.

      Allstate

      Allstate has some of the best educational resources and tools for homeowners of any competing provider. Allstate’s website features articles, videos, checklists and tips to help you keep your home safe and save you money. There are various online tools to help you manage your policy. The Premium Gauge tool, for example, allows you to see how various factors such as the age of your home or installing an alarm would affect how much you pay for your annual premium. And Allstate’s Digital Locker tool helps you keep an up-to-date inventory of your belongings, with pictures, and their value, using any mobile device or computer.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA-
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore Allstate 4.4
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      Allstate offers a wide range of coverage options, with standard policies available for most common dwellings. With benefits for water backup coverage, green improvements and electronic data recovery, you will find that Allstate’s superior A.M. Best rating is well-earned. Allstate provides coverage for older homes, as well, so Pennsylvania residents can take advantage of this sometimes hard-to-find option.

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

      Erie Insurance

      Erie Insurance serves 11 states in the U.S. (plus the District of Columbia) and provides some of the cheapest coverage options available.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA
      SimpleScore
      3 / 5.0
      close
      SimpleScore Erie Insurance 3
      Discounts 2
      Coverage Options 4
      Customer Satisfaction 3
      Support 3
      Accessibility 3

      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, so you have full control over the limits you set and how much you wish to protect. Policyholders can save anywhere from 14 percent to 30 percent by bundling multiple policies (amount also varies per state). Erie Insurance also offers guaranteed replacement cost so that if your home is destroyed or damaged, wear-and-tear problems are not considered.

      Erie also offers coverage that helps protect against damage from a break in underground water, gas or power lines. Both the ErieSecure Home Plus and ErieSecure Home Select bundles provide $10,000 to $25,000 for physical damage resulting from accidents or utility-line breaks.

      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 coverage and service you receive. J.D. Power says Erie Insurance has some of the best insurance options around.

      Find the Best Home Insurance in Pennsylvania

      Save money on home insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Average Homeowners Insurance Rates in Pennsylvania

        With an average homeowners insurance cost that is 35 percent lower than the national average, Pennsylvania residents can enjoy an average annual rate of about $801. In addition to your home’s age, building materials and claims history, below are some other factors that influence Pennsylvania rates.

        Pennsylvania Rate Factors

        Pennsylvania winters can be brutally cold, causing pipes to freeze and hot water heaters to rupture. This affects the cost of homeowners insurance. In addition, cold winters often lead to heavy snowfall along Lake Erie, which can damage roofs, down power lines and compromise home structures. When heavy snow melts, there is a significant risk for flooding. Flooding can also occur along some of the rivers in the state, especially in the Pittsburgh area. For these reasons, make sure you are insured for water damage.

        Although fairly rare, earthquakes and tornadoes can also occur in Pennsylvania, so be sure to determine whether you need to be covered for these natural disasters.

        Methodology

        SimpleScore

        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore

        Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance. You can read more criteria in our SimpleScore home insurance methodology.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We looked at the number of discounts each company offers – more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that offer more coverage options.

        Support

        We awarded higher scores to companies with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We looked at the level of accessibility of each company – the more resources they have the higher their score