The Best Home Insurance in Pennsylvania for 2025

Chubb and NJM are among the best home insurance companies in Pennsylvania, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Pennsylvania. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

» MORE: The best home insurance companies

The best home insurance companies in Pennsylvania

Here's more information about the best homeowners insurance companies in Pennsylvania.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or equipment breakdown (the failure of home appliances). Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.

Auto-Owners sells homeowners insurance through independent agents.

» READ MORE: Auto-Owners homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

Erie offers guaranteed replacement cost coverage for the structure of your home. With this coverage, the company will pay to rebuild your home completely after a disaster, even if the amount exceeds your dwelling limit.

Got a car to insure, too? If you bundle your home and auto insurance with Erie, you could get a discount of 16% or more. You may also be able to save if your home has certain safety and security features such as smoke alarms or sprinkler systems.

» READ MORE: Erie homeowners insurance review

NJM includes coverage that other companies typically charge extra for. For example, NJM will pay the full cost to rebuild your home even if it’s more than your dwelling limit. It will also pay enough for you to buy brand-new replacements for your belongings if they’re stolen or destroyed. (Many companies pay a lower amount based on depreciation.)

On top of its robust coverage options, NJM also stands out for customer service. It’s drawn far fewer complaints to state regulators than expected for an insurer of its size, according to the NAIC.

» READ MORE: NJM homeowners insurance review

Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home. Other, less common options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.

» READ MORE: Cincinnati Insurance homeowners insurance review

Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.

Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy coverage for water damage caused by backed-up drains or sewer lines.

» READ MORE: Farmers homeowners insurance review

The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of options such as guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.

The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.

» READ MORE: Hanover homeowners insurance review

Nationwide’s standard homeowners policies include ordinance or law coverage, which pays to bring your home up to the latest building codes after a covered claim. They also include coverage for unauthorized credit or debit transactions. For an extra cost, you may be able to add coverage for things like water backup damage, identity theft and stronger materials to replace your roof.

Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.

» READ MORE: Nationwide homeowners insurance review

Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before, up to $5 million.

Plus, if your things are stolen or destroyed, Openly will pay enough for you to buy brand-new replacements, rather than paying less for older items that have lost value over time. It also covers your belongings on an “open perils” basis, paying for damage from anything except scenarios your policy excludes. Most home insurance policies cover damage only from causes specifically named in your policy.

» READ MORE: Openly homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.

State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

» READ MORE: Travelers homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

How much does homeowners insurance cost in Pennsylvania?

The average annual cost of home insurance in Pennsylvania is $1,440, compared to the national average of $2,110.

In most U.S. states, including Pennsylvania, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Pennsylvania, those with poor credit pay an average of $2,915 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s more than twice as much as those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Pennsylvania by city

The cost of home insurance in Pennsylvania varies based on where you live within the state. For example, the average cost of homeowners insurance in Philadelphia is $2,155 per year, while Pittsburgh homeowners pay $1,410 per year, on average.

» MORE: How much is homeowners insurance?

The cheapest homeowners insurance in Pennsylvania

Below are companies with average annual rates below the state average of $1,440.

» MORE: The cheapest homeowners insurance

Common risks for Pennsylvania homeowners

Here are a few things to keep in mind when evaluating home insurance options in Pennsylvania.

Flooding

Flooding is the most common disaster in the state, according to the Pennsylvania Emergency Management Agency

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. A standard homeowners policy doesn’t cover flood damage, so you may want to buy separate flood insurance. (If you live in a high-risk area and have a mortgage, your lender may require it.)

To assess your flood risk, look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood insurance

Winter storms

Snow, sleet, ice and freezing rain can lead to home damage like burst pipes and fallen trees. Most homeowners insurance policies cover damage due to snow and ice, with certain restrictions.

For example, you’d typically be covered if a blizzard knocked a tree on top of your home, damaging the roof or other parts of the structure. But if the tree simply fell over onto the lawn, you likely wouldn’t have coverage for the expense of hauling it away.

Your policy will generally cover damage from frozen pipes as long as you’ve taken reasonable measures to prevent them. Say you went out of town for a week and a pipe burst because you left your thermostat set at 50 degrees. Your insurance company might refuse to pay for the damage because you didn’t keep your home warm enough to prevent pipes from freezing.

Tropical storms and tornadoes

Standard homeowners policies cover wind damage, but some policies may have a separate deductible for hurricanes, tropical storms or “named storms.”

This deductible is a percentage of your home's insured value rather than a flat dollar amount. So if your home is insured for $300,000 with a 5% deductible, you’ll have to pay for the first $15,000 of damage from a storm. The deductible can apply to damage from a hurricane, tropical storm or even a tornado that occurs as part of a named storm.

» MORE: Complete guide to hurricane insurance

Pennsylvania department of insurance

If you’ve got a question about your policy or a complaint about your insurer, the Pennsylvania Insurance Department may be able to help. You can use the agency’s website to file complaints, look up licensed agents and learn about homeowners insurance in multiple languages. You can contact the department with questions at 877-881-6388.