Homeowner insurance is essential for many people. It is one of the types of insurance to protect your home, your property, and your liability for injuries on your property. Pennsylvania has natural hazards such as floods, snowing, and hurricane. It's a good idea to understand what homeowner insurance covers, what other insurance are great supplements, and how much coverage you should buy.
How much is homeowner's insurance in Pennsylvania?
In Pennsylvania, the homeowner's insurance premium is $931 a year or $77 per month on average, which is much lower than the national average. The below chart compares Pennsylvania with four other states with similar premiums, as well as the national average.
If you are wondering how much it costs for you, hit the big button below to get your free quotes.
What factors impact the Homeowner Insurance premium?
- Your Coverage Amount
- Location
- Neighborhood Crimes
- Age of the Home
- Conditions and Materials of Your Home
- Number of Primary Inhabitants
- Area and Personal Claim Histories
What discounts are available for Homeowner Insurance?
Most carriers provide various discounts for homeowner insurance such as multiple-policy discounts or clean claim history discounts.
Discount | Description |
---|---|
Multi-Policy | If you purchase both home and auto insurance from the same company, you may qualify a discount for both auto and homeowner insurance. |
Secure Home | If you have extinguishers, burglar alarms devices or you are in a gated community, you may qualify for the secured home discount. This averages about 5% from quite a few carriers. |
Claim-free | Just like auto insurance is lower for accident-free drivers, homeowner insurance is also cheaper for claim free residents. If you have never reported any claims before, you will qualify for the claim-free discounts from quite a few carriers. |
Loyalty | Some carriers, especially those largest ones, offer loyalty discount if you have been with them for a few years. If you do have, you can see this discount from your declaration page or talk to your insurance agent. |
Home Improvements | This often is the most critical discounts that highly impact your premium. If you have recent home improvements such as replacing your roof, your electricity or any other building materials, you definitely need to include that in your quotes. This usually could contribute most in your saving. |
Good Credit | A customer with a credit score higher than 700 can often get a better rate than those who don’t. |
Pay-in-full | If the carrier supports both monthly and yearly payment, usually paying-in-full will give you a discount. In other words, if you choose to pay monthly, you should pay attention to the extra fee charged by your carrier. |
Paperless | A few carriers even provide paperless discounts. But more and more new insurance carriers do not offer it probably because the overall cost has already been saved. |
Looking for the best Homeowner insurance in Pennsylvania?
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Homeowner Insurance Rates for Cities in Pennsylvania
We compiled data about Homeowner Insurance rates for every city in California. This list is updated on Jan 06, 2020. A word of caution, as you explore the list below, there is no doubt you will find a wide price range.
- Aliquippa
- Allentown
- Altoona
- Ambler
- Ambridge
- Archbald
- Ardmore
- Audubon
- Back Mountain
- Baldwin
- Beaver Falls
- Bellefonte
- Bellevue
- Berwick
- Bethel Park
- Bethlehem
- Blakely
- Bloomsburg
- Blue Bell
- Bradford
- Brentwood
- Bristol
- Brookhaven
- Broomall
- Butler
- Camp Hill
- Canonsburg
- Carbondale
- Carlisle
- Carnegie
- Carnot-Moon
- Castle Shannon
- Catasauqua
- Chambersburg
- Chester
- Clairton
- Clarion
- Clearfield
- Clifton Heights
- Coatesville
- Collegeville
- Collingdale
- Colonial Park
- Columbia
- Connellsville
- Conshohocken
- Coraopolis
- Corry
- Crafton
- Croydon
- Darby
- Darby Township
- Dickson City
- Dormont
- Downingtown
- Doylestown
- Drexel Hill
- DuBois
- Dunmore
- Duquesne
- East Norriton
- East Stroudsburg
- East York
- Easton
- Economy
- Edinboro
- Elizabethtown
- Ellwood City
- Emmaus
- Ephrata
- Erie
- Fairless Hills
- Farrell
- Feasterville-Trevose
- Fernway
- Folcroft
- Folsom
- Forest Hills
- Franklin
- Franklin Park
- Fullerton
- Gettysburg
- Glenolden
- Glenside
- Greensburg
- Greenville
- Grove City
- Hampton Township
- Hanover
- Harleysville
- Harrisburg
- Harrison Township
- Hatboro
- Hazleton
- Hermitage
- Hershey
- Homeacre-Lyndora
- Horsham
- Huntingdon
- Indiana
- Jeannette
- Jefferson Hills
- Johnstown
- Kennedy Township
- King of Prussia
- Kingston
- Kulpsville
- Lancaster
- Lansdale
- Lansdowne
- Latrobe
- Leacock-Leola-Bareville
- Lebanon
- Levittown
- Lewistown
- Linglestown
- Lionville-Marchwood
- Lititz
- Lock Haven
- Lower Allen
- Lower Burrell
- Maple Glen
- McCandless Township
- McKees Rocks
- McKeesport
- Meadville
- Mechanicsburg
- Middletown
- Millersville
- Milton
- Monaca
- Monessen
- Montgomeryville
- Morrisville
- Mount Carmel
- Mount Joy
- Mount Lebanon
- Mountain Top
- Munhall
- Municipality of Monroeville
- Municipality of Murrysville
- Nanticoke
- Nazareth
- Nether Providence Township
- New Brighton
- New Castle
- New Cumberland
- New Kensington
- Norristown
- North Braddock
- North Versailles
- Northampton
- Northwest Harborcreek
- Oakmont
- Oil City
- Old Forge
- O’Hara Township
- Palmyra
- Park Forest Village
- Parkville
- Penn Hills
- Perkasie
- Philadelphia
- Phoenixville
- Pittsburgh
- Pittston
- Pleasant Hills
- Plum
- Plymouth
- Pottstown
- Pottsville
- Progress
- Prospect Park
- Punxsutawney
- Quakertown
- Radnor Township
- Reading
- Red Lion
- Richboro
- Ridley Park
- Robinson Township
- Ross Township
- Sanatoga
- Scott Township
- Scranton
- Shaler Township
- Shamokin
- Sharon
- Shiloh
- Somerset
- Souderton
- South Park Township
- South Williamsport
- Springfield
- St. Marys
- State College
- Stowe Township
- Sunbury
- Swarthmore
- Swissvale
- Tamaqua
- Taylor
- Titusville
- Trooper
- Turtle Creek
- Uniontown
- Upper Providence Township
- Upper St. Clair
- Village Green-Green Ridge
- Warren
- Washington
- Waynesboro
- Weigelstown
- West Chester
- West Goshen
- West Mifflin
- West Norriton
- West View
- White Oak
- Whitehall
- Wilkes-Barre
- Wilkins Township
- Wilkinsburg
- Williamsport
- Willow Grove
- Willow Street
- Wilson
- Woodlyn
- Wyomissing
- Yeadon
- York
References
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