Pennsylvania Home Insurance Quotes
When shopping for Pennsylvania home insurance quotes, it's important to know this: The process doesn't have to be complicated. HomeInsurance.com agents work with multiple highly rated carriers to find what's right for you – keystone coverage for residents of the Keystone State. So sit back, relax, and let us find the perfect homeowners insurance fit for you.
Why do you need a Pennsylvania home insurance policy? You can never quite predict what weather the state will send your way. Most of Pennsylvania experiences hot summers, with risks of thunderstorms and flooding, and cold winters, with risks of severe winter storms and snowmelt flooding.
In addition, the state, on average, faces 10 tornadoes annually. The mountainous middle of the state also is vulnerable to land or mudslides and flooding. Remember that standard Pennsylvania homeowners insurance does not cover landslide and flood damage. For additional information about separate policies for flooding or landslides, you can go to the Pennsylvania Department of Insurance website.
Home insurance rates in Pennsylvania
Homeowners in Pennsylvania are paying around $702.00 for home insurance as of February of 2014. Rates have decreased since January when Pennsylvania homeowners insurance premiums were approximately $717.00. The rate of $702/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy. Read more about flood insurance.
Average Premiums for Home Insurance In Pennsylvania
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Pennsylvania home insurance premiums: How to save
No matter how much you currently pay for homeowners insurance, there are ways that you can save. Enter your ZIP code above or call 1-877-919-5198 so that our agents can start finding you savings. Some common discounts for which you might qualify include:
- Fire: Home insurance providers pay more than $33,000, on average, for fire claims. That's why they reward you when you lessen your chance of a serious fire. Sprinklers and smoke detectors can lead to discounts on your home insurance premiums; so can maintaining a non-smoking household.
- Bundling: You could save up to 20% on your monthly premiums if you purchase both your home and auto insurance through the same provider.
- Security: Having deadbolt locks can land you a 5% discount. If you install an anti-theft security system, you could save another 10% or more.
- New home: Pennsylvania understands history – it was right in the middle of a lot of U.S. history. Consider Independence Hall, where both the Declaration of Independence and the U.S. Constitution were debated and adopted. But when it comes to homes, new is better. Many providers give policyholders discounts if a home was built within the past 10 years.
- Claims history: One place history is important to home insurance providers is your claims history. If you haven't filed a claim in the last 10 years, you could earn price breaks on your home insurance premium.
Do your Pennsylvania neighbors pay higher home insurance premiums? Below you can find information on the last five Pennsylvania policies written by HomeInsurance.com. Remember, rates differ by individual situation, location, and house type.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$513†||$655†||$1,426†||$530†||$417†|
|Discounts|| || || || || |
|Primary Heat Source||Central Electric||Central Gas||Central Oil||Central Oil||Central Gas|
Homeowners insurance: Pennsylvania comparisons
Click on your county below to see how local premiums compare to the state average. You can check on other counties as well.
Overall, the average premium for a Pennsylvania home insurance policy was $702 whereas the average national premium was $815.
Standard Pennsylvania home insurance policy coverage
- Dwelling: Dwelling protection helps pay for damages to the structure of your home from specific events or disasters. As the main coverage type, this determines your limits for other coverage such as Personal Property.
- Other Structures: This deals with structures separate from the house that exist on your property. For example, if a covered event damages your toolshed or detached garage, Other Structures protection could help pay for the repairs.
- Personal Property: This is responsible for protecting the contents of your home. Your Dwelling protection determines the coverage limit for your possessions.
- Loss of Use: If a covered event displaces you from your home, Loss of Use can help pay restaurant and hotel bills while your home is under repair.
- Personal Liability: If non-family members hurt themselves on your property and decide to take you to court, Personal Liability protection can help to pay your court fees and any final judgment cost.
- Medical Payments: If non-family members injure themselves on your property and decide not to take you to court, Medical Payments or Pennsylvania MedPay can help to pay their medical bills or additional fees.
Additional Pennsylvania home insurance resources
Home Insurance 101: Think you know Pennsylvania homeowners insurance basics? Find the answers to frequently asked questions and other important information here.
Home insurance calculator: Customize your plan to fit your home. Here, you can calculate the amount of dwelling coverage you'll need.
Disaster preparedness guide: Learn how to protect your home from any impending Pennsylvania disaster.
Find homeowners insurance information for your city
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