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Pennsylvania Home Insurance - What's Happening

A region subject to both bitter winter weather and severe summer storms presents an insurance challenge. Pennsylvania homeowners’ insurance rates reflect those challenges, from Erie to Philadelphia. Yet, Pennsylvanians still pay less for home insurance - $714 in Q2 of 2014 - than the national average.

It's important to consider the range of weather in the Keystone State if you're looking for a home. It's also a key factor when you search for Pennsylvania home insurance quotes.

Our licensed agents are ready to help. Enter your ZIP code above, and we'll get started. Or give us a call today to get a free home insurance quote.

Curious about car insurance? Click here to learn more about auto insurance in Pennsylvania.

Pennsylvania Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Nearly twice as many homes in Pennsylvania (29%) have sump pumps as do nationally (15%). But the average Pennsylvania home is nearly 60 years old. They're often in need of updates to meet modern building code standards. That's a challenge for Pennsylvania homeowners. Insurance premiums can rise as a result.


Average year built

The state average is 1958 - that's during the Dwight D. Eisenhower administration.


Average home size

While older homes generally tend to be bigger than newer ones, Pennsylvania homes compare favorably with the national average (1,934) in square footage.


Average replacement cost

In Pennsylvania, the average replacement cost for a home is $314,747. That's more than $35,000 more than the rest of the country.


% of homes with sump pump

A sump pump keeps Pennsylvania basements dry and helps prevent flooding.

Property (Factors related to the property and location)

Only Minnesota ranked higher in cost of extra structures on homeowners' property. These could include sheds, detached garages, and fences, among other items. The cost of these structures is nearly twice the national average. That's almost $50,000 in Pennsylvania.

Home insurance quotes can change because of this. Typical homeowners’ policies cover these items under Other Structures Coverage. That's usually 10% of the total dwelling coverage. If you have more than one structure, you might need insurance beyond that.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

Only 86% of homes have fire extinguishers in Pennsylvania. That means there's a better chance of a small fire turning into a larger one – and a costly claim.


% of homes with dead bolt locks on exterior doors

Again, the state lags national numbers. Exterior doors that don’t have deadbolt locks can entice burglars. They’re on 89% of Pennsylvania homes, and 95.9% nationwide.


% of homes with smoke detectors

The national average (98.3%) is just slightly higher than in Pennsylvania. Home insurance discounts are often offered if your house has smoke detectors.


% of homes with security alarms

Again, there's work to do in Pennsylvania. Homeowners’ insurance carriers prefer a higher percentage than the state's 11%. Nationally, it's 19.7%.

Overall Grade - C (room for improvement)

Weather isn't the only threat in Pennsylvania. Home insurance can be complex, because houses in your state are often older than the national average. Structures (other than homes) on Pennsylvania properties also are much more expensive to replace than in other states. And there's work to do in ensuring homes in Pennsylvania are as safe as possible.

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