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Pennsylvania Homeowners Insurance Quotes

What do Pennsylvanian homeowners and HomeownersInsurance.com have in common? They are both seeking out the best homeowners insurance quotes Pennsylvania has to offer. Why? Because it's shouldn't cost an arm and a leg to protect your biggest investment. When you complete the quote form above, the agents at HomeownersInsurance.com will give you multiple competitive quotes from top carriers in the Keystone State.

Our most recent Pennsylvania homeowners insurance quotes!

No need to keep up with the Joneses. We'll do that for you by showing you what your neighbors in PA are paying for their home insurance. Below are the details of the last five policies written in Pennsylvania by HomeownersInsurance.com agents.

Home 1Home 2Home 3Home 4Home 5
Premium Amount $720 $833 $609 $537 $916
Premium with Auto Discount$612†$708†$518†$456†$779†
Carrier ASI Safeco Safeco Safeco Liberty Mutual
Zip 18925 17201 18301 15227 17362
Year Built 2005 1974 1996 1936 2010
Foundation type Basement Slab Slab Basement Basement
Lot Size 19,776 Sq Ft 22,215 Sq Ft N/A 3,125 Sq Ft 12,868 Sq Ft
Square Feet 4,845 Sq Ft 2,400 Sq Ft N/A 1,336 Sq Ft 2,904 Sq Ft
Bedrooms 4 3 N/A 3 4
Bathrooms 3.5 2.0 N/A 1.0 2.5
Discounts














Primary Heat Source Central Gas Central Electric Central Electric Central Gas Central Gas
† Estimate if the homeowner had bundled coverages.

Why look at someone else's quotes when you can be looking at your own? All you have to do is enter your ZIP code in the form above or call us directly at 1-877-234-0731 to get Pennsylvania homeowners insurance quotes customized just for you.

Home insurance rates in Pennsylvania

Homeowners in Pennsylvania are paying around $680.00 for home insurance as of March of 2014. Rates have increased since February when Pennsylvania homeowners insurance premiums were approximately $647.00. The rate of $680/year reflects standard coverage and does not include flood or earthquake damage which is covered under a separate policy.

Average Pennsylvania homeowners insurance rates can turn on a dime, so at any given moment you could be paying more than you have to for home insurance. Even if you have a great premium, there are still more ways to save. For instance, many insurance experts recommend shopping around for coverage once a year and taking advantage of available discounts.

Did you know you could save up to 20% on your premium by simply bundling your home and auto policies with one provider? Or that you could save up to 10% by have a security systems installed in your home? These are just a few examples of easy ways to save on your premium and there could be more. Just ask your home insurance agent what other price breaks you may be eligible for.

Standard Pennsylvania homeowners insurance coverage

Ever wonder what's part of a standard Pennsylvania homeowners insurance policy:

  • Contents/Personal Property: Covers the contents inside your home such as electronics, furniture and clothing from theft or covered perils such as wind, hail, and fire. Endorsements can be added for high value items such as jewelry, art, and collectibles.
  • Loss of Use: In the event your home sustains damage from a covered peril, Loss of Use will kick in and help pay you for other accommodations and living expenses while your home is uninhabitable.
  • Dwelling: Helps replace or repair your home if it's damaged by a covered peril.
  • Other Structures: Offers protection from covered perils for structures on your property other than your actual home. These could be detached garages, sheds, or fences.
  • Medical Payments: If someone is injured on your property and doesn't plan to sue, medical payments coverage will help cover medical bills.
  • Personal Liability Protection: Standard Pennsylvania homeowners insurance usually contains personal liability protection to offer help if someone is injured on your property and plans to sue you.

Pennsylvania homeowners insurance and common threats

Did you know standard Pennsylvania homeowners insurance policies do not offer coverage for flood damage? That's because you have to purchase a separate policy through the National Flood Insurance Program. And every homeowner should at least consider purchasing a flood insurance policy even if they don't live in a flood plain. Why? Because floods can happen anywhere at any time and cause extensive damage. Learn more about the National Flood Insurance Program and check here to see if your home is located in a flood plain.

Floods, however, aren't the only threat to your PA home. Pennsylvania experiences tornadoes, hurricanes, blizzards, and other severe weather too. Standard homeowners insurance offers coverage for most severe weather damage. Floods and earthquakes are usually the only exclusions. Familiarize yourself with your policy and see what perils are covered and which are not. You may need to adjust your coverage in order to keep your home fully protected.

Looking for more insurance information for the state of Pennsylvania? Visit the Pennsylvania Department of Insurance website.