The Best and Cheapest Homeowners Insurance Companies in Pennsylvania

The Best and Cheapest Homeowners Insurance Companies in Pennsylvania

We gathered thousands of quotes from 11 providers across Pennsylvania to find the best homeowners insurance in the state. In addition to price, we compared each company's customer service quality, policy offerings and range of online tools.

Compare Home Insurance Quotes from Providers in Pennsylvania

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The most affordable rate we found for typical homeowners in Pennsylvania was $640 per year. However, price isn't the sole determinant for finding the best coverage. We've highlighted Pennsylvania's most notable homeowners insurance providers below.


Best for most homeowners: Erie

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Best for online tools: Nationwide

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Best for high-value homes: Chubb

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Best for military families: USAA

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Best for most people: Erie Insurance

Erie has great rates for Pennsylvanians and among the best insurance service in the country.
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We recommend Erie as the best home insurance company for most people in Pennsylvania. With an average price of $749, it's 21% less expensive than the typical rate we found statewide.

Erie's customer service is impressive, too. It has a solid 0.21 complaint index from the National Association of Insurance Commissioners (NAIC), meaning that Erie's customers were about one-fifth as likely to file a complaint as customers with a typical insurer of its size. And J.D. Power has given Erie the highest score for home insurance companies seven years in a row (2013 – 2019).

One unique feature of Erie's we love is that you can lock in your insurance rate. So long as your property details stay the same — no moving, no renovations and no claims — you can keep paying the same price indefinitely. This can lead to big long-term savings for people who can plan ahead.

The biggest drawback to Erie is its lack of online tools. You can't get a quote online; instead, you'll need to call or visit an insurance agent to get a price. Online policy management and claims filing didn't impress us, either.

Best for online tools: Nationwide

Nationwide has both affordable pricing and powerful online tools for people who want to manage their policy themselves.
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Homeowners who prefer to manage their homeowners insurance policy online while still valuing solid service and affordable rates should look at Nationwide. Nationwide has a full range of online tools: You can get a quote, manage your policy and file a claim all from your computer or smartphone.

We were also impressed with Nationwide's affordable rates: At just $672 per year, it's 29% cheaper than the statewide average and even more affordable than our main pick.

Nationwide's customer service is good but not as strongly rated as our top pick. It had a 0.24 rating from the NAIC and a rating of just two out of five from J.D. Power.

Best for high-value homes: Chubb

Chubb's coverage options for luxury homes are second to none.
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Homeowners with high-value homes should look at Chubb Insurance, which specializes in luxury properties or in exotic locations. Chubb has earned a reputation for top-tier customer service and a painless claims process.

It also offers coverage options that should appeal to owners of high-value properties, such as a "cash-out" option: If your home is completely destroyed by a covered peril, Chubb will simply cut you a check instead of requiring you to use the money to rebuild your property.

While Chubb has high-end service, its prices are not cheap. We found that the average price for a Chubb homeowners insurance policy was $962, which was about 1% more expensive than the Pennsylvania average.

Additionally, Chubb usually enforces coverage minimums, meaning that they'll only sell policies over a certain coverage limit. These limits may make it difficult or impossible for owners of typically priced homes to buy a policy from Chubb.

Best for military families: USAA

USAA's services are designed just for military service members.
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Members of the military and their families should consider USAA, which has great customer service and military-specific coverage benefits. While USAA's rates aren't as competitive in Pennsylvania as other states, it's still worth a look if you can take advantage of its special perks.

For example, USAA's personal property coverage applies everywhere worldwide, even in war zones. Most insurers exclude these dangerous areas, and it makes a big difference for soldiers on active duty. USAA also waives the deductible on damage to your military uniform while you're on duty.

USAA's average rate in Pennsylvania is $933, which is only slightly less expensive than the average rate we found overall. Additionally, USAA is only available to certain people: You must either have served in the military or be the direct relative (spouse or dependent) of a USAA policyholder.

USAA has few in-person locations, and they're all near major military bases. This means it is often the most convenient insurance company for soldiers on active duty, but it can make it difficult to get in-person service if you're not on base.

The best-reviewed homeowners insurance companies in Pennsylvania

Getting a good rate for home insurance is important, but it's not the only thing to consider: The customer service and stability of your insurance company are equally important. When evaluating home insurance companies, three key ways we evaluate different options are the NAIC complaint index, the J.D. Power home insurance survey score and the AM Best financial strength rating.

InsurerNAIC complaint index (lower is better)J.D. Power homeowners survey score (higher is better)AM Best financial strength rating
State Farm0.204/5A++
Erie0.215/5A+
Allstate0.313/5A+
Liberty Mutual0.532/5A
Nationwide0.242/5A+
Travelers0.302/5A++
USAA0.155/5A++
Chubb0.142/5A++
Farmers0.163/5A
Donegal Mutual Insurance Co0.30--A
Philadelphia Contribution Grp0.44--A
American Family0.683/5A
Penn National0.25--A-
Hartford0.883/5A+
Westfield0.12--A
Metropolitan0.232/5A

The NAIC complaint index is a comparison of the number of complaints an insurer receives relative to its size; a smaller number means fewer complaints, and 1.00 is the national average.

J.D. Power's ranking is based on a national survey of home insurance shopper satisfaction.

The AM Best financial strength rating evaluates a company's financial strength and ability to pay out claims, even in times of high claim demand (such as after a national disaster) or poor economic climate.

The cheapest options for homeowners insurance in Pennsylvania

Shopping around for an affordable home insurance quote can result in hundreds of dollars in savings per year. We found a difference of $820 between the most expensive and least expensive home insurance companies in Pennsylvania. See which companies had the best rates below.

Bar graph comparing the costs of homeowners insurance companies in Pennsylvania

Bar graph comparing the costs of homeowners insurance companies in Pennsylvania

With a rock-bottom price of $640 annually, Westfield insurance had the absolute lowest rates for Pennsylvania homeowners. But we weren't impressed enough with its customer reviews to make it one of our top picks.

Common homeowners insurance perils in Pennsylvania

Due to its location on the Atlantic coast, Pennsylvania experiences seasonal oceanic storms, including hurricanes and nor'easters, that blow in during much of the year. The most common causes of damage during these storms are wind, rain and snow. Some types of storm damage are covered by home insurance but not all.

Is wind damage covered by flood insurance?

Windstorms can wreak havoc on personal property, whether by removing shingles from your roof or breaking windows with flying debris. Fortunately, wind damage is almost always covered by homeowners insurance. It's one of the named perils included on even the most basic insurance policies.

You can minimize wind damage to your home before a storm by taking the following precautions:

  • Trim trees and plants, especially those close to your home
  • Put away lawn furniture and toys that may become projectiles
  • Install storm shutters
  • Have your roof inspected for damage regularly

Is damage due to flooding covered by homeowners insurance?

Flooding is one of the most common and most expensive causes of property damage during storms. Unfortunately, flood damage is almost never covered by regular home insurance. Homeowners whose properties are at risk of flooding should consider purchasing a stand-alone flood insurance policy — in fact, it's required for some homeowners to qualify for federally backed home loans.

Flood insurance comes in two forms: policies backed by the federal government as part of the National Flood Insurance Program (NFIP) and those that are managed completely privately.

The NFIP will never turn a homeowner away due to flood risk, but it has long waiting periods and a maximum coverage limit. On the other hand, private flood policies have more flexibility when it comes to waiting periods and coverage limits, but high-risk homes may not be eligible for coverage. We recommend coastal homeowners get quotes for both types to see which is more cost-effective for them.

Is snow damage covered by home insurance?

Snowstorms are frequent occurrences in Pennsylvania, whether they are nor'easters along the coast or lake-effect blizzards near Lake Erie. Particularly heavy snowstorms can even damage your roof with more weight than the structure is designed to handle.

Damage from weight of snow is usually covered by homeowners insurance, as it's another of the named perils typically included on insurance policies. However, if it's determined that the damage is due to negligence (like if your gutters are clogged), you might receive a reduced amount or have your claim rejected entirely.

Pennsylvania insurance rates: City-by-city breakdown

In addition to a statewide price analysis, we determined a citywide average for the major cities in Pennsylvania. For each city, we calculated a typical price, as well as how it compares to the state average cost.

NameAverage cost% difference from average
Aliquippa$921-3.1%
Allentown$882-7.3%
Altoona$894-6.0%
Arnold$860-9.5%
Beaver Falls$920-3.3%
Bellevue$871-8.4%
Bethel Park$848-10.8%
Bethlehem$872-8.3%
Northampton$872-8.3%
Bloomsburg$898-5.6%
Bradford$944-0.7%
Butler$892-6.2%
Carbondale$932-2.0%
Chester$1,20426.6%
Clairton$879-7.6%
Coatesville$9732.3%
Connellsville$9661.5%
Corry$943-0.9%
DuBois$915-3.7%
Duquesne$885-6.9%
Easton$871-8.4%
Erie$920-3.2%
Farrell$9600.9%
Franklin$934-1.8%
Greensburg$885-6.9%
Harrisburg$861-9.5%
Hazleton$909-4.4%
Hermitage$9641.3%
Jeannette$881-7.4%
Johnstown$888-6.6%
Lancaster$783-17.6%
Latrobe$894-6.0%
Lebanon$850-10.6%
Lock Haven$912-4.1%
Lower Burrell$851-10.5%
McKeesport$874-8.1%
Meadville$9641.4%
Monessen$871-8.4%
Monongahela$880-7.4%
Nanticoke$904-4.9%
New Castle$9691.9%
New Kensington$857-9.9%
Oil City$911-4.2%
Parker$950-0.1%
Philadelphia$1,41148.3%
Pittsburgh$904-5.0%
Pittston$906-4.7%
Pottsville$924-2.8%
Reading$859-9.7%
St. Marys$912-4.1%
Scranton$923-2.9%
Shamokin$929-2.3%
Sharon$9611.1%
Sunbury$932-1.9%
Titusville$9611.1%
Uniontown$9580.8%
Warren$899-5.4%
Washington$909-4.4%
Wilkes-Barre$895-5.8%
Williamsport$860-9.6%
York$827-13.0%

To see how your city's rates compare with the national average, take a look at our nationwide study of the cost of homeowners insurance.

Methodology

To develop a comprehensive understanding of home insurance in Pennsylvania, we collected thousands of quotes for homes across the commonwealth. Our sample property was a 2,100-square-foot home built in 1965, with $181,200 of dwelling coverage.

Insurers surveyed:

  • State Farm
  • Erie
  • Allstate
  • Liberty Mutual
  • Nationwide
  • Travelers
  • USAA
  • Chubb
  • Farmers
  • Donegal Mutual Insurance Co
  • Westfield

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Chris Moon

Chris is a Product Manager for ValuePenguin with years of experience in addressing critical questions about mortgages and homeowners insurance. He spends his time evaluating insurance providers and policy features to understand where consumers might find the most cost-effective coverage. Chris has contributed insights to the New York Times and many other publications.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.