Best and Cheapest Homeowners Insurance in Pennsylvania for 2025 (Top 10 Companies for Savings)
USAA, Geico and Travelers are the top providers for best and cheapest homeowners insurance in Pennsylvania with rates starting at $35/mo. USAA stands out for specialized military deployment coverage.
Credit scores play a big role as seen with Travelers requiring higher scores for their best rates. Digital tools from providers like Progressive’s HomeQuote Explorer let PA homeowners compare multiple quotes at once. Local presence matters too for personalized service.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $35 | A++ | Military Focus | USAA |
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#2 | $37 | A++ | Streamlined Operations | Geico |
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#3 | $40 | A++ | Risk Management | Travelers |
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#4 | $38 | B | Regional Discounts | State Farm |
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#5 | $40 | A+ | Policy Bundles | Nationwide |
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#6 | $42 | A | Customer Loyalty | American Family |
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#7 | $43 | A | Regional Offers | Farmers |
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#8 | $45 | A+ | Multi-Policy Savings | Allstate |
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#9 | $46 | A+ | Competitive Pricing | Progressive |
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#10 | $50 | A | Tailored Coverage | Liberty Mutual |
To get the best and cheapest homeowners insurance in PA, enter your ZIP code into our free comparison tool to get instant quotes from the top insurance providers.
What You Should Know
- USAA leads in Pennsylvania with $35 monthly rates
- Geico offers Pennsylvania homeowners an easy-to-use mobile app
- Travelers offers unique eco-friendly rebuilding protection
#1 - USAA: Top Overall Pick
Pros
- Military Benefits: Pennsylvania homeowners can access specialized military deployment coverage through USAA's homeowners insurance policies at competitive rates.
- Full Replacement: USAA provides comprehensive replacement cost coverage for Pennsylvania homes without depreciation factoring into claim payments.
- Service Discounts: Active duty service members in Pennsylvania receive additional discounts on their homeowners insurance through USAA's military appreciation program.
Cons
- Limited Eligibility: Pennsylvania homeowners must have military connections to qualify for USAA's cheap homeowners insurance coverage options.
- Office Access: USAA's homeowners insurance in Pennsylvania has limited local office locations for in-person claim handling services.
#2 - Geico: Best for Streamlined Operations
Pros
- Bundle Savings: Pennsylvania residents can bundle their home and auto policies with Geico for significant savings on homeowners insurance.
- Renters Insurance App: As mentioned in our Geico Renters Insurance they offer Pennsylvania landlords an easy-to-use mobile app for managing their home insurance policies efficiently.
- Partner Network: Pennsylvania customers receive competitive quotes through Geico's extensive network of partnered insurance providers statewide.
Cons
- Third-Party Coverage: Geico's homeowners insurance in Pennsylvania is actually underwritten by third-party companies, not directly by Geico.
- Service Variation: Pennsylvania homeowners might experience varying customer service quality since Geico works through different local insurance partners.
#3 - Travelers: Best for Risk Management
Pros
- Eco Coverage: Travelers offers Pennsylvania homeowners additional coverage for green home improvements during insurance claim repairs.
- Loyalty Rewards: Pennsylvania residents can receive decreasing deductibles through Travelers' homeowners insurance loyalty reward program annually.
- Business Protection: Homeowners insurance customers in Pennsylvania get extra protection for home-based business equipment through Travelers.
Cons
- Strict Requirements: Pennsylvania homeowners may find Travelers' initial home insurance qualification process more stringent than other providers.
- Credit Dependent: The cheapest homeowners insurance rates in Pennsylvania from Travelers require a high credit score.
#4 - State Farm: Best for Regional Discounts
Pros
- Local Network: Pennsylvania homeowners can access personal insurance advice through State Farm's large network of local agents.
- Coverage Tools: State Farm provides Pennsylvania residents with comprehensive home inventory tools for accurate insurance coverage assessment.
- Claims Handling: Home owner insurance claims in Pennsylvania are handled efficiently through State Farm's local office network.
Cons
- Discount Requirements: Pennsylvania homeowners might pay more for State Farm insurance without qualifying for multiple discount programs.
- Documentation Needs: State Farm's homeowners insurance in Pennsylvania may require more documentation for policy changes than competitors.
#5 - Nationwide: Best for Policy Bundles
Pros
- Roof Coverage: Nationwide offers Pennsylvania homeowners enhanced roof replacement coverage with better materials during insurance claims processing.
- Annual Reviews: Pennsylvania residents receive free annual insurance coverage reviews through Nationwide's On Your Side program.
- Smart Benefits: Home owner insurance policyholders in Pennsylvania can earn additional discounts through Nationwide's smart home program.
Cons
- Basic Limitations: Pennsylvania homeowners may find Nationwide's basic insurance policies don't include all desired coverage without upgrades.
- Bundle Requirements: You need to have a multi policy bundle to get Nationwide's cheapest homeowners insurance rates in Pennsylvania.
#6 - American Family: Best for Customer Loyalty
Pros
- Deductible Benefits: American Family rewards Pennsylvania homeowners with decreasing deductibles for maintaining claim-free insurance records annually.
- Custom Coverage: Pennsylvania residents receive customized home insurance coverage recommendations as mentioned in our review of American Family insurance.
- Renovation Rewards: Homeowners insurance customers in Pennsylvania can access exclusive discounts through American Family's renovation program.
Cons
- Time Requirements: Pennsylvania homeowners must maintain policies for several years to maximize American Family's insurance savings programs.
- Age Restrictions: American Family's home owner insurance coverage in Pennsylvania has limited options for older homes.
#7 - Farmers: Best for Regional Offers
Pros
- Coverage Tiers: Farmers offers Pennsylvania homeowners three distinct insurance coverage tiers to match different protection needs.
- Flexible Options: Pennsylvania residents can customize their homeowners insurance coverage through Farmers' flexible policy enhancement options.
- Loyalty Benefits: Home owner insurance policyholders in Pennsylvania receive claim forgiveness benefits through Farmers' loyalty program.
Cons
- Basic Gaps: Pennsylvania homeowners might find Farmers' cheapest insurance tier doesn't include some important coverage options.
- Higher Deductibles: Farmers' homeowners insurance in Pennsylvania requires higher deductibles for their most affordable rates.
#8 - Allstate: Best for Multi-Policy Savings
Pros
- Digital Management: Allstate provides Pennsylvania homeowners with online tools for managing their insurance policies on-the-go, anywhere 24/7.
- Monitoring Discounts: Pennsylvania residents can earn additional insurance discounts through Allstate's home monitoring system program.
- Smart Platform: Homeowners insurance customers in Pennsylvania receive personalized coverage recommendations through Allstate's digital assessment platform.
Cons
- Tech Requirements: Pennsylvania homeowners may pay more for Allstate's insurance without qualifying for their technology-based discounts.
- Term Commitments: To get Allstate's cheap homeowners insurance rates in Pennsylvania they often require long-term customer commitments
#9 - Progressive: Best for Competitive Pricing
Pros
- Quote Comparison: Progressive enables Pennsylvania homeowners to compare multiple insurance quotes simultaneously through their online platform.
- Auto Savings: People living in Pennsylvania find many insurance discounts through Progressive's smart savings detection system.
- Payment Options: Home owner insurance customers in Pennsylvania receive flexible payment options through Progressive's customizable billing program.
Cons
- Coverage Limits: Pennsylvania homeowners might find Progressive's direct insurance coverage options more limited than partner offerings.
- Discount Dependency: Progressive's homeowners insurance in Pennsylvania may have higher rates without qualifying for multiple discounts.
#10 - Liberty Mutual: Best for Tailored Coverage
Pros
- Inflation Protection: Liberty Mutual offers Pennsylvania homeowners automatic insurance coverage adjustments to match inflation-related value changes.
- Emergency Services: Pennsylvania residents receive emergency home repairs coverage through Liberty Mutual's 24/7 insurance claim service.
- Partner Discounts: Homeowners insurance customers in Pennsylvania can access exclusive partnerships for additional insurance premium discounts.
Cons
- Base Rates: Pennsylvania homeowners may find Liberty Mutual's basic insurance rates higher without qualifying for their discount programs.
- Deductible Levels: Liberty Mutual's cheap homeowners insurance options in Pennsylvania require higher deductibles for most affordable rates.
Pennsylvania Homeowners Insurance Rate Comparison
Understanding homeowners insurance and rate factors when looking for a coverage in Pennsylvania is important and insurance companies base their premiums on coverage level, credit score, home age, location and previous claims. Pennsylvania residents pay around $35 per $100,000 of home value, but rates can vary greatly.
| Insurance Company | $200k Policy | $300k Policy | $500k Policy |
|---|---|---|---|
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$45 | $60 | $90 |
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$42 | $56 | $84 |
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$43 | $58 | $87 |
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$38 | $50 | $75 |
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$50 | $66 | $97 |
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$40 | $54 | $81 |
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$46 | $60 | $90 |
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$38 | $53 | $79 |
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$40 | $55 | $81 |
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$35 | $48 | $73 |
These rates show differences between various coverage levels across companies. USAA rates begins at $35 for a $200K policy climbing to $73 for a $500K policy. Geico and State Farm offer similar value with $200K policies at $38, while their $500K coverage reaches $75 and $79 respectively. Liberty Mutual has higher rates overall with $200K policies at $50 rising to very high at $97 for the same coverage of 500K.
Geico and Travelers show reasonable price progression from $200K to $500K coverage ($38 to $75 and $40 to $81 respectively) while Liberty Mutual has the biggest price gap, ranging from $50 to $97 for maximum coverage. Knowing the common claims aids homeowners in getting ready for possible dangers and picking suitable coverage amounts.
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Wind & Hail Damage | 40% | $12,800 |
| Water Damage & Freezing | 25% | $10,500 |
| Fire & Lightning | 15% | $75,000 |
| Theft | 10% | $5,000 |
| Liability (Injury) | 10% | $30,000 |
Various cities in Pennsylvania deal with different risks and this affects insurance prices. Below is a summary of accidents and claims in big cities:
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Allentown | 1,800 | 1,500 |
| Erie | 1,500 | 1,200 |
| Philadelphia | 3,500 | 2,800 |
| Pittsburgh | 2,200 | 1,900 |
| Reading | 1,200 | 950 |
Philadelphia experiences the highest number of accidents and claims, which often translates to higher premiums for homeowners in this area. In Pennsylvania examining risks for homeowners insurance shows both good points and difficulties that change how much people pay:
| Category | Grade | Explanation |
|---|---|---|
| Fire & Lightning Risk | A | Low incidence of major fires and lightning strikes in most areas. |
| Theft Rate | A- | Below-average burglary rates lower insurance costs. |
| Average Claim Size | B+ | Moderate claim costs compared to national averages. |
| Weather-Related Risk | B | High risk of storms and snow increases premiums in certain areas. |
| Liability Risk | B | Liability claims are moderate due to diverse housing and property conditions. |
This table shows Pennsylvania's pretty good insurance situation ‒ fire safety and theft prevention receive high marks. Weather problems and liability worries show why thorough coverage matters even though the state gets a good rating overall.
Coverage Options for Homeowners in Pennsylvania
Higher value homes require more coverage. Looking at current rates, USAA leads the market with the best rates at $35/month for $200K homes, followed closely by Geico and State Farm at $38/month. For higher coverage levels, USAA maintains competitive pricing at $73/month for $500K homes, while Liberty Mutual's rates reach $97/month for the same coverage level.
Sending up a big HBD to our Guardians. Happy 5, @SpaceForceDoD! 🛰️ pic.twitter.com/yFPm2suIRW
— USAA (@USAA) December 20, 2024
These rates reflect Pennsylvania’s below average crime rates, property crime, burglary and larceny theft are lower than national averages but homeowners should still consider extra protection like burglar alarms or security systems.
Standard policies for $200K homes include $100,000 personal property, $20,000 loss of use, $20,000 other structures, $300,000 liability and $5,000 medical with a $1,000 deductible.
According to FEMA data, Pennsylvania homeowners have faced 26 floods, 16 severe storms and 8 hurricanes since 1953 so comprehensive coverage is a must.
Best Pennsylvania Homeowners Insurance Discounts & Savings
As property values increase, securing cheap homeowners insurance in PA is all about qualifying for discounts. Major PA home insurance companies offer multi-policy bundling opportunities with up to 25% off for PA home insurance rates.
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Policy | A | 25% | State Farm, Allstate, Nationwide |
| Security System | A- | 20% | Liberty Mutual, Farmers, USAA |
| Claims-Free | B+ | 15% | Erie, Travelers, American Family |
| New Home | B | 10% | Chubb, Safeco, Amica |
| Loyalty | B- | 5% | Progressive, Geico, Auto-Owners |
Best homeowners insurance companies in PA differentiate themselves through unique discount programs - Liberty Mutual leads with six distinct savings options while Travelers offers exclusive green home discounts.
| Insurance Company | Available Discount |
|---|---|
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Bundling, Safe Driving, Early Signing, Responsible Payment, Home Safety Features |
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Bundling, Loyalty, Renovation, Smart Home, Auto-pay, Claims-Free |
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Bundling, Claims-Free, Home Safety Features, Professional Group, Loyalty |
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Bundling, Safety Features, Smoke Alarm, Loyalty, Emergency Response System |
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Bundling, Claims-Free, Safe Homeowner Program, Paperless Policy, Home Renovation, Early Shopper |
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Bundling, Protective Device, Claims-Free, Gated Community, Home Renovation |
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Bundling, Home Safety Features, Quote in Advance, New Homebuyer, Pay-in-Full |
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Bundling, Claims-Free, Home Safety Features, Loyalty, New Home |
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Bundling, Green Home, Claims-Free, Protective Device, Early Quote |
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Bundling, Protective Device, Loyalty, Claims-Free, Home Safety Features |
Exclusive discounts like Progressive’s new homebuyer savings and Nationwide’s gated community discount can really lower home insurance PA rates. To get the best home insurance quotes in Pennsylvania that companies offer, combining multiple discounts - especially bundling with auto policies - will give you the most savings on PA home insurance.
Making Your Homeowners Insurance Decision in Pennsylvania
USAA, Geico and Travelers are leading providers for the best and cheapest homeowners insurance in Pennsylvania with rates as low as $35 per month. USAA excelling in military deployment coverage, Geico offering user-friendly mobile apps, and Travelers providing unique eco-friendly rebuilding protection.
To find the cheapest homeowners insurance in Pennsylvania, homeowners can leverage multiple discounts, with multi-policy bundling offering up to 25% savings. Find the best homeowners insurance in Pennsylvania today by entering your ZIP code into our free comparison tool.
Frequently Asked Questions
Does Pennsylvania require homeowners insurance by law?
While not legally required, mortgage lenders in Pennsylvania typically require homeowners insurance to protect their investment. Most homeowners opt for an HO3 policy, which is a standard homeowners insurance policy that provides coverage for your home's structure, personal belongings, liability, and additional living expenses.
Which companies offer the best homeowners insurance rates in Pittsburgh?
USAA, Geico, and Travelers offer competitive rates in Pittsburgh, with State Farm providing strong regional discounts for urban homeowners.
Don’t settle for expensive home insurance premiums. Enter your ZIP code to find robust coverage for your dwelling at an affordable price.
How much coverage do I need for a $400K home in Pennsylvania?
$400K homes typically need $200,000 in personal property coverage, plus double loss of use and other structures coverage compared to standard policies.
What natural disasters affect home insurance in Pennsylvania?
According to FEMA data, Pennsylvania has experienced 26 floods, 16 severe storms, and 8 hurricanes since 1953, making comprehensive coverage essential.
Read More: Top 5 Lessons Learned After A Natural Disaster
Which PA insurance companies offer the best bundling discounts?
Liberty Mutual leads with six distinct savings options, while companies like USAA and Travelers offer up to 25% off when bundling home and auto policies.
How do credit scores affect Pennsylvania homeowners insurance rates?
Credit scores significantly impact rates, particularly with companies like Travelers, which requires higher scores for their best rates.
What security features can lower my PA home insurance rates?
Installing burglar alarms, smoke detectors, and emergency response systems can qualify for safety discounts with most major insurers.
Which companies offer the best coverage for older homes in Pennsylvania?
Travelers and State Farm provide comprehensive coverage for older homes, though American Family has limited options for aging properties.
Read More: Top 16 Questions to Ask When Buying a House
What is the standard deductible for homeowners insurance in Pennsylvania?
Standard policies typically have a $1,000 deductible, though some companies like Liberty Mutual require higher deductibles for their most affordable rates.
Compare quotes from the cheapest home insurance in Pennsylvania by entering your ZIP code into our free tool.
How much is homeowners insurance in PA?
Pennsylvania residents pay around $40-45 per $100,000 of home value, with USAA offering the lowest rates starting at $35/month for a $200K policy.