Compare & Save in Minutes Home Insurance in Pennsylvania — From $38/mo
Find home insurance options in Pennsylvania. Compare Pennsylvania home insurance — find your best rate fast
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Why compare Home Insurance in Pennsylvania?
Prices can vary widely across providers in Pennsylvania. Whether you’re in Philadelphia or Pittsburgh, comparing quotes helps you find better coverage for less.
What you get
- Compare Pennsylvania home insurance — find your best rate fast
- Older Home Options
- Bundle & Save options where available
Rates in Pennsylvania
Typical annual rates start from $456 (based on plans from $38/mo)
Pennsylvania homeowners face moderate insurance costs compared to the national average, but rates vary significantly between Philadelphia (higher due to urban density and older housing stock) and rural areas. Older homes — particularly pre-1970 construction common in eastern PA — require carriers willing to insure aging electrical, plumbing, and roofing systems. Weather risks include winter storms, ice dams, and occasional hail along the western Allegheny region.
Estimated monthly rates by home profile in Pennsylvania
Estimates vary by property type, age, and location within Pennsylvania. Here's what homeowners often see:
| Home profile | Est. monthly | New construction | Flood available |
|---|---|---|---|
| Single family, $150k–$250k value | $38–$55 | No | ✓ |
| Single family, $250k–$400k value | $58–$82 | No | ✓ |
| Older home, built pre-1970 | $65–$95 | No | ✓ |
| New construction | $35–$48 | Yes | ✓ |
| Urban Philadelphia location | $78–$125 | No | ✓ |
Compare Pennsylvania home insurance — find your best rate fast
Get Compare & Save in Minutes plans starting at $38/mo — includes Older Home Options.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
How much does home insurance cost in Pennsylvania?
The average Pennsylvania homeowner pays about $1,380/year ($115/mo). Rates range from under $80/mo in rural areas to $150+/mo in Philadelphia depending on home value, age, and construction.
Does Pennsylvania home insurance cover water damage?
Standard policies cover sudden and accidental water damage — like a burst pipe. They do not cover flooding (requires separate flood insurance) or gradual water damage from long-term maintenance issues.
Is flood insurance required in Pennsylvania?
Only if your home is in a FEMA-designated flood zone and you have a federally-backed mortgage. However, Pennsylvania has significant flood risk — particularly along the Susquehanna and Delaware rivers — making it worth considering even outside mandatory zones.
What affects home insurance rates most in Pennsylvania?
Home age and construction, location (Philadelphia vs. rural), claims history, roof condition, and heating type are the top factors. Homes with updated electrical and plumbing systems receive better rates.
Does home insurance cover ice dam damage in PA?
Yes. Ice dam damage to roofing and interiors is covered under standard Pennsylvania homeowners policies. However, damage caused by lack of maintenance (e.g., clogged gutters contributing to ice dams) may be denied.
How can I lower my home insurance premium in Pennsylvania?
Bundling with auto (10–20% savings), updating old systems (electrical, plumbing, roof), increasing your deductible, and comparing carriers annually are the most effective strategies.