The MFP’s Community Home Insurance Survey uses Pennsylvania’s homeowners feedback and recommendations on insurers, agents, and brokers. We display premiums by home values and deductibles in the state plus its main cities.
Shopping for home insurance can be complicated and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Pennsylvania Own Homeowners>>
- Pennsylvania Best Home Insurance Companies
- Best Home Insurance by City: Cost & Ratings
- Pennsylvania’s Main Home Insurance Cost Factors
- Best Home Insurance Discounts in PA
- How to Find Cheap Home Insurance
- 6 Ways to Reduce Home Insurance Cost
- What Does Home Insurance Cover in Pennsylvania?
- What Extra Coverage Can Homeowners Get in Pennsylvania?
- FAQ: Pennsylvania Home Insurance
Pennsylvania Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Pennsylvania are Amica, State Farm, and Erie.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 92% |
| State Farm | 4 | 4 | 5 | 5 | 89% |
| Nationwide | 4 | 4 | 4 | 4 | 87% |
| Allstate | 4 | 3 | 4 | 4 | 85% |
| Liberty Mutual | 3 | 3 | 4 | 4 | 82% |
| Lemonade | 3 | 4 | 5 | 3 | 80% |
| Travelers | 4 | 3 | 3 | 3 | 78% |
| USAA* | 5 | 5 | 4 | 4 | 94% |
| Erie | 4 | 5 | 3 | 3 | 90% |
| Farmers | 3 | 3 | 3 | 3 | 75% |
Pennsylvania average home insurance for a $1,000 deductible:
- Pennsylvania average premiums for a $300K Home is $1,274 (while it’s $1,568 nationally).
- Pennsylvania average premiums for a $400K Home is $1,647. It’s $2,088 nationally.
- Pennsylvania average premiums for a $600K Home is $2,304 (and it’s $2,906 nationally).
Best Insurance in Pennsylvania’s cities
Philadelphia, Pittsburgh, Allentown, Reading, Erie, Upper Darby, Scranton, Bethlehem, Lancaster, Harrisburg
Recommendations are gathered from 4,107 local Pennsylvanians members who either had quotes, filed a claim or got new home insurance in the past 12 months. We survey 4 broad areas; cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Pennsylvania Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Pennsylvania Best Mortgage Lenders from Community Recommendations
Pennsylvania Best Refinance Lenders from Community Recommendations
More Resources for Pennsylvania Homeowners.
Philadelphia Home Insurance Costs
Compare Philadelphia 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Philadelphia, the average annual insurance cost for a $300K home with a $500 deductible is $1,337. Choosing a $2,000 deductible instead of $500 can lower annual cost by 21.7% in Philadelphia for a $300K home.
Philadelphia’s $600K home insurance cost is 9.6% higher than the Pennsylvania average of $2,440. The Philadelphia average annual cost for a $600K home with a $500 deductible is $2,674.
Philadelphia’s $800K home insurance cost is 0.0% higher than the Pennsylvania average of $3,343. The Philadelphia average annual cost for a $800K Home with a $500 deductible is $3,343.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $445 | $405 | $379 | $349 | $293 | $413 |
| $200K Home | $892 | $811 | $759 | $698 | $585 | $828 |
| $300K Home | $1,337 | $1,216 | $1,138 | $1,047 | $878 | $1,241 |
| $400K Home | $1,782 | $1,621 | $1,517 | $1,396 | $1,171 | $1,654 |
| $600K Home | $2,674 | $2,432 | $2,276 | $2,094 | $1,756 | $2,482 |
| $800K Home | $3,343 | $3,040 | $2,845 | $2,618 | $2,195 | $3,103 |
| $1M Home | $3,877 | $3,526 | $3,300 | $3,036 | $2,546 | $3,599 |
Philadelphia Best Rated Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Philadelphia’s area are Amica, State Farm, and Allstate
- Amica (92%): Homeowners praise the excellent customer service and comprehensive coverage options
- State Farm (88%): Members highlight the large network of local agents and competitive rates
- Allstate (85%): Users appreciate the RateGuard feature that prevents rate increases after claims
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 92% |
| State Farm | Agents | 4 | 5 | 5 | 5 | 88% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 85% |
| USAA | Insurer | 5 | 5 | 4 | 3 | 84% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 82% |
| Erie Insurance | Insurer | 5 | 4 | 3 | 4 | 80% |
| Chubb | Insurer | 5 | 5 | 3 | 2 | 78% |
| Liberty Mutual | Agents | 4 | 3 | 4 | 4 | 75% |
| Travelers | Agents | 4 | 3 | 3 | 2 | 70% |
| Lemonade | Broker | 3 | 4 | 5 | 4 | 68% |
See also:
Philadelphia Best Refinance Lenders
Philadelphia Best Home Loan Lenders
Pittsburgh Home Insurance Costs
Compare Pittsburgh 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Pittsburgh, the average annual insurance cost for a $300K home with a $500 deductible is $860. Choosing a $2,000 deductible instead of $500 can lower annual cost by 22.0% in Pittsburgh for a $300K home.
Pittsburgh’s $600K home insurance cost is 29.5% lower than the Pennsylvania average of $2,440. The Pittsburgh average annual cost for a $600K home with a $500 deductible is $1,720.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $287 | $260 | $243 | $224 | $188 |
| $200K Home | $575 | $521 | $486 | $448 | $376 |
| $300K Home | $860 | $779 | $727 | $671 | $563 |
| $400K Home | $1,147 | $1,039 | $969 | $895 | $751 |
| $600K Home | $1,720 | $1,558 | $1,454 | $1,342 | $1,126 |
Pittsburgh Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Pittsburgh’s area are Allstate, State Farm, and Erie Insurance
- Allstate (90%): Homeowners appreciate the lowest rates in the area and extensive agent network
- State Farm (87%): Members value the personalized service and claim satisfaction scores
- Erie Insurance (85%): Users highlight the guaranteed replacement cost coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Allstate | Agents | 4 | 4 | 4 | 5 | 90% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 87% |
| Erie Insurance | Insurer | 5 | 4 | 3 | 4 | 85% |
| Cumberland Mutual | Insurer | 4 | 4 | 4 | 5 | 83% |
| USAA | Insurer | 5 | 5 | 4 | 3 | 82% |
| Westfield Insurance | Insurer | 4 | 4 | 3 | 4 | 80% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 78% |
| Donegal Insurance Group | Insurer | 4 | 3 | 3 | 4 | 75% |
| Penn National Insurance | Insurer | 3 | 3 | 3 | 4 | 72% |
| Travelers | Agents | 4 | 3 | 3 | 2 | 65% |
See also:
Pittsburgh Best Refinance Lenders
Pittsburgh Best Home Loan Lenders
Allentown Home Insurance Costs
Compare Allentown 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Allentown, the average annual insurance cost for a $300K home with a $500 deductible is $1,552. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.7% in Allentown for a $300K home.
Allentown’s $600K home insurance cost is 11.3% higher than the Pennsylvania average of $2,440. The Allentown average annual cost for a $600K home with a $500 deductible is $2,716.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $948 | $903 | $889 | $875 | $835 |
| $200K Home | $1,242 | $1,183 | $1,164 | $1,146 | $1,094 |
| $300K Home | $1,552 | $1,478 | $1,455 | $1,432 | $1,367 |
| $400K Home | $1,940 | $1,848 | $1,819 | $1,790 | $1,709 |
| $600K Home | $2,716 | $2,586 | $2,546 | $2,506 | $2,392 |
Allentown Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Allentown’s area are D.E. Cressman Insurance, Amica, and State Farm
- D.E. Cressman Insurance (91%): Homeowners praise the family-owned service and competitive rates
- Amica (88%): Members highlight the excellent customer service and dividend policies
- State Farm (85%): Users appreciate the large network of local agents
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| D.E. Cressman Insurance | Broker | 4 | 5 | 4 | 5 | 91% |
| Amica | Insurer | 5 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 85% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 83% |
| Erie Insurance | Insurer | 5 | 4 | 3 | 4 | 80% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 78% |
| USAA | Insurer | 5 | 5 | 4 | 3 | 77% |
| Liberty Mutual | Agents | 4 | 3 | 4 | 4 | 75% |
| Travelers | Agents | 4 | 3 | 3 | 2 | 70% |
| Chubb | Insurer | 5 | 5 | 3 | 2 | 68% |
See also:
Allentown Best Refinance Lenders
Allentown Best Home Loan Lenders
Reading Home Insurance Costs
Compare Reading 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Reading average annual cost for a $300K home with a $500 deductible is $1,391. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.6% in Reading for a $300K home.
Reading’s $600K home insurance cost is 0.3% lower than the Pennsylvania average of $2,440. The Reading average annual cost for a $600K home with a $500 deductible is $2,434.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $850 | $809 | $797 | $785 | $750 |
| $200K Home | $1,113 | $1,060 | $1,044 | $1,028 | $983 |
| $300K Home | $1,391 | $1,325 | $1,305 | $1,285 | $1,228 |
| $400K Home | $1,739 | $1,657 | $1,632 | $1,607 | $1,535 |
| $600K Home | $2,434 | $2,318 | $2,283 | $2,248 | $2,149 |
Reading Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Reading’s area are Nationwide, Berks County Insurance Group, and State Farm
- Nationwide (89%): Homeowners appreciate the Brand New Belongings and Better Roof Replacement programs
- Berks County Insurance Group (86%): Members value the independent agency approach and local expertise
- State Farm (83%): Users highlight the extensive agent network and claim satisfaction
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Nationwide | Agents | 4 | 4 | 4 | 4 | 89% |
| Berks County Insurance Group | Broker | 4 | 5 | 4 | 4 | 86% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 83% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 80% |
| Erie Insurance | Insurer | 5 | 4 | 3 | 4 | 78% |
See also:
Reading Best Refinance Lenders
Reading Best Home Loan Lenders
Erie Home Insurance Costs
Compare Erie 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Erie, the average annual insurance cost for a $300K home with a $500 deductible is $1,502. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.6% in Erie for a $300K home.
Erie’s $600K home insurance cost is 10.8% higher than the Pennsylvania average of $2,440. The Erie average annual cost for a $600K home with a $500 deductible is $2,704.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $601 | $572 | $564 | $555 | $531 |
| $200K Home | $976 | $930 | $916 | $902 | $863 |
| $300K Home | $1,502 | $1,430 | $1,409 | $1,388 | $1,328 |
| $400K Home | $2,028 | $1,931 | $1,902 | $1,874 | $1,793 |
| $600K Home | $2,704 | $2,574 | $2,536 | $2,498 | $2,390 |
Erie Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Erie’s area are Erie Insurance, State Farm, and Allstate
- Erie Insurance (93%): Homeowners praise the guaranteed replacement cost coverage
- State Farm (87%): Members highlight the personalized service and competitive rates
- Allstate (84%): Users appreciate the RateGuard feature and homesharing coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Erie Insurance | Insurer | 5 | 5 | 4 | 4 | 93% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 87% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 84% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 3 | 78% |
See also:
Upper Darby Home Insurance Costs
Compare Upper Darby 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Upper Darby, the average annual insurance cost for a $300K home with a $500 deductible is $1,229. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.9% in Upper Darby for a $300K home.
Upper Darby’s $600K home insurance cost is 11.3% lower than the Pennsylvania average of $2,440. The Upper Darby average annual cost for a $600K home with a $500 deductible is $2,164.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $517 | $492 | $484 | $476 | $455 |
| $200K Home | $837 | $797 | $784 | $771 | $738 |
| $300K Home | $1,229 | $1,170 | $1,151 | $1,132 | $1,083 |
| $400K Home | $1,572 | $1,497 | $1,472 | $1,448 | $1,385 |
| $600K Home | $2,164 | $2,060 | $2,027 | $1,993 | $1,907 |
Upper Darby Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Upper Darby’s area are Amica, State Farm, and Allstate
- Amica (91%): Homeowners praise the excellent customer service and comprehensive coverage
- State Farm (86%): Members highlight the large agent network and competitive rates
- Allstate (83%): Users appreciate the RateGuard feature and homesharing coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 5 | 4 | 4 | 91% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 86% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 83% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 80% |
| Erie Insurance | Insurer | 5 | 4 | 3 | 4 | 78% |
See also:
Upper Darby Best Refinance Lenders
Upper Darby Best Home Loan Lenders
Scranton Home Insurance Costs
Compare Scranton 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Scranton average annual cost for a $300K home with a $500 deductible is $1,480. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.6% in Scranton for a $300K home.
Scranton’s $600K home insurance cost is 5.0% higher than the Pennsylvania average of $2,440. The Scranton average annual cost for a $600K home with a $500 deductible is $2,561.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $608 | $579 | $570 | $562 | $538 |
| $200K Home | $979 | $932 | $918 | $905 | $866 |
| $300K Home | $1,480 | $1,410 | $1,389 | $1,368 | $1,310 |
| $400K Home | $1,882 | $1,793 | $1,766 | $1,740 | $1,666 |
| $600K Home | $2,561 | $2,440 | $2,403 | $2,367 | $2,267 |
Scanton Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Scranton’s area are Erie Insurance, State Farm, and Allstate
- Erie Insurance (92%): Homeowners highlight the guaranteed replacement cost coverage
- State Farm (87%): Members appreciate the extensive agent network and claim satisfaction
- Allstate (84%): Users value the RateGuard feature and competitive pricing
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Erie Insurance | Insurer | 5 | 5 | 4 | 4 | 92% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 87% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 84% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 80% |
| Amica | Insurer | 5 | 5 | 4 | 3 | 78% |
See also:
Scranton Best Refinance Lenders
Scranton Best Home Loan Lenders
Bethlehem Home Insurance Costs
Compare Bethlehem 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Bethlehem, the average annual insurance cost for a $300K home with a $500 deductible is $1,407. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.7% in Bethlehem for a $300K home.
Bethlehem’s $600K home insurance cost is 5.0% higher than the Pennsylvania average of $2,440. The Bethlehem average annual cost for a $600K home with a $500 deductible is $2,561.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $620 | $590 | $581 | $572 | $548 |
| $200K Home | $1,013 | $965 | $949 | $934 | $895 |
| $300K Home | $1,407 | $1,340 | $1,319 | $1,298 | $1,244 |
| $400K Home | $1,817 | $1,730 | $1,703 | $1,676 | $1,606 |
| $600K Home | $2,561 | $2,439 | $2,401 | $2,363 | $2,264 |
Bethlehem Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Bethlehem’s area are Nationwide, Erie Insurance, and Lehigh Valley Insurance Brokers
- Nationwide (89%): Homeowners appreciate the Brand New Belongings coverage and Better Roof Replacement program
- Erie Insurance (87%): Members highlight the guaranteed replacement cost coverage and local agent network
- Lehigh Valley Insurance Brokers (84%): Users value the independent agency approach and Travelers partnership
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Nationwide | Agents | 4 | 4 | 4 | 4 | 89% |
| Erie Insurance | Insurer | 5 | 5 | 4 | 4 | 87% |
| Lehigh Valley Insurance Brokers | Broker | 4 | 5 | 4 | 4 | 84% |
| Thomas E. Michael Agency | Broker | 4 | 4 | 4 | 5 | 82% |
| Robertson Insurance Group | Broker | 4 | 4 | 3 | 4 | 80% |
See also:
Bethlehem Best Refinance Lenders
Bethlehem Best Home Loan Lenders
Lancaster Home Insurance Costs
Compare Lancaster 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Lancaster average annual cost for a $300K home with a $500 deductible is $1,387. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.6% in Lancaster for a $300K home.
Lancaster’s $600K home insurance cost is 3.5% higher than the Pennsylvania average of $2,440. The Lancaster average annual cost for a $600K home with a $500 deductible is $2,525.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $625 | $595 | $586 | $577 | $551 |
| $200K Home | $971 | $925 | $911 | $897 | $857 |
| $300K Home | $1,387 | $1,321 | $1,301 | $1,281 | $1,224 |
| $400K Home | $1,774 | $1,690 | $1,664 | $1,639 | $1,566 |
| $600K Home | $2,525 | $2,405 | $2,369 | $2,332 | $2,228 |
Lancaster Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Lancaster’s area are Erie Insurance, Nationwide, and State Farm
- Erie Insurance (91%): Homeowners highlight the guaranteed replacement cost coverage and local agent network
- Nationwide (86%): Members appreciate the Better Roof Replacement program and smart home discounts
- State Farm (83%): Users value the extensive agent network and competitive pricing
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Erie Insurance | Insurer | 5 | 5 | 4 | 4 | 91% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 86% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 83% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 80% |
| Amica | Insurer | 5 | 5 | 4 | 3 | 78% |
See also:
Lancaster Best Refinance Lenders
Lancaster Best Home Loan Lenders
Harrisburg Home Insurance Costs
Compare Harrisburg 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Harrisburg, the average annual insurance cost for a $300K home with a $500 deductible is $1,339. Choosing a $2,000 deductible instead of $500 can lower annual cost by 7.9% in Harrisburg for a $300K home.
Harrisburg’s $600K home insurance cost is 4.0% lower than the Pennsylvania average of $2,440. The Harrisburg average annual cost for a $600K home with a $500 deductible is $2,343.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $576 | $549 | $540 | $531 | $508 |
| $200K Home | $911 | $867 | $853 | $839 | $803 |
| $300K Home | $1,339 | $1,275 | $1,254 | $1,233 | $1,181 |
| $400K Home | $1,742 | $1,659 | $1,631 | $1,604 | $1,536 |
| $600K Home | $2,343 | $2,231 | $2,195 | $2,158 | $2,067 |
Harrisburg Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Harrisburg’s area are Erie Insurance, State Farm, and Allstate
- Erie Insurance (90%): Homeowners praise the guaranteed replacement cost coverage and excellent claims service
- State Farm (85%): Members highlight the large agent network and competitive rates
- Allstate (82%): Users appreciate the RateGuard feature and homesharing coverage options
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Erie Insurance | Insurer | 5 | 5 | 4 | 4 | 90% |
| State Farm | Agents | 4 | 5 | 5 | 4 | 85% |
| Allstate | Agents | 4 | 4 | 4 | 5 | 82% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 80% |
| USAA | Insurer | 5 | 5 | 4 | 3 | 78% |
See also:
Harrisburg Best Refinance Lenders
Harrisburg Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Pennsylvania
Weather Risks
Pennsylvania’s weather profile is a major driver of home insurance premiums. The state experiences a range of natural risks, including heavy winter snow, occasional ice storms, flooding from rivers and creeks, and severe thunderstorms with hail. Western Pennsylvania can be more prone to heavy lake-effect snow, while eastern and central areas can face hurricane remnants and flash flooding. Insurers account for these risks by adjusting premiums in higher-risk ZIP codes, especially in flood-prone regions or areas with repeated storm claims.
Home Construction Age
Older homes in Pennsylvania often have higher insurance costs due to outdated wiring, plumbing, and roofing materials that can increase the likelihood and severity of claims. Many properties in Pennsylvania’s historic towns, such as Philadelphia, Pittsburgh, and Lancaster, are over 50 years old, meaning they often fall into the higher-cost multiplier ranges. Conversely, newly built homes, especially those with modern building codes and weather-resistant materials, benefit from lower rates. The table below shows how costs can vary by home age.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 15% to 5% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 25% to 40% more |
| 41–60 years | 45% to 65% more |
| 60+ years | 70% to 100% more |
In Pennsylvania, older rowhouses, farmhouses, and Victorian-era homes frequently exceed the national average cost multiplier for their age category because repairs often require specialized materials and skilled labor to maintain historical accuracy.
Credit Score
In Pennsylvania, insurers are allowed to use credit-based insurance scores when determining premiums. A lower credit score often correlates with higher premiums due to perceived higher risk. This impact can be significant — the difference between “Excellent” and “Poor” credit can more than double the cost of a policy. Below is a general range of how credit scores influence premiums in the state.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
In Pennsylvania, credit score impact can be more pronounced in urban areas with higher claim frequencies, where insurers heavily weigh risk factors. Homeowners with excellent credit can often qualify for the most competitive rates and additional discounts.
Location
Your home location within Pennsylvania greatly affects insurance rates. Homes in areas with high crime rates, such as certain urban neighborhoods, tend to have higher premiums due to increased theft or vandalism claims. Likewise, homes near flood zones along the Susquehanna River or Delaware River require additional flood coverage, which can substantially raise overall costs. Rural areas may have slightly lower base premiums but can see higher rates if far from fire stations or hydrants, as response times affect perceived risk.
Best Home Insurance Discounts in Pennsylvania
- Multi-policy discount – Bundling home and auto insurance with the same provider.
- Protective devices discount – Installing monitored security systems, smoke alarms, and deadbolts.
- New home discount – For homes built within the past 10 years.
- Claims-free discount – Maintaining a clean claims history for several years.
- Senior or retiree discount – Available from some insurers for homeowners over a certain age.
How to Find the Best & Cheap Home Insurance in PA
To find affordable home insurance in Pennsylvania, compare quotes from multiple carriers, focusing on coverage options rather than just price. Look for insurers with strong financial stability and good claim-handling reviews. Consider using a local insurance agent familiar with Pennsylvania-specific risks. While the cheapest option may save money upfront, it might also come with less coverage or slower claims processing.
6 Ways to Reduce Your Home Insurance Cost in Pennsylvania
- Bundle home and auto policies with the same insurer.
- Increase your deductible if financially feasible.
- Install security and fire protection systems.
- Maintain a strong credit score.
- Keep your roof, plumbing, and electrical systems updated.
- Shop around every few years to compare rates.
What Does Home Insurance Cover in Pennsylvania?
Standard home insurance policies in Pennsylvania typically cover the structure of the home, personal property, liability protection, and additional living expenses if you are displaced due to a covered loss. Coverage often includes fire, theft, wind, hail, and certain types of water damage, but excludes floods and earthquakes unless added separately.
What Extra Coverage Can Homeowners Get in Pennsylvania?
Homeowners may want to consider optional coverages such as flood insurance (especially in FEMA flood zones), earthquake coverage in rare but possible seismic areas, sewer and drain backup coverage, and extended replacement cost coverage for older or historic homes. Extra coverage should be considered when the home is in a high-risk area or has valuable items exceeding standard policy limits.
FAQ: Home Insurance in Pennsylvania
What is the average cost of home insurance in Pennsylvania? Around $1,200 to $1,500 per year, depending on home value and location.
Does home insurance cover flooding? No, you must buy separate flood insurance through the NFIP or private insurers.
Is earthquake coverage needed in Pennsylvania? Rarely, but it can be added for peace of mind in certain areas.
Can I get discounts for being claims-free? Yes, many insurers offer lower rates after several years without a claim.
Are historic homes more expensive to insure? Yes, because specialized repairs and materials increase claim costs.