The Best and Cheapest Homeowners Insurance Companies in Pennsylvania (2026)
Penn National usually has the cheapest homeowners insurance in Pennsylvania, at $1,192/yr, on average. | ||
Homeowners insurance in Pennsylvania costs an average of $1,712/yr, 29% less than the national average. | ||
Home insurance is usually more expensive in the Philadelphia area, where average rates can reach over $2,200/yr. |
Penn National usually has the cheapest homeowners insurance in Pennsylvania, at $1,192/yr, on average. | ||
Home insurance in PA costs an average of $1,712/yr. But people living in the Philadelphia area could pay more than $2,200/yr. |
Find Cheap Home Insurance Quotes in Pennsylvania
Who has the best cheap home insurance in Pennsylvania?
Who has the cheapest PA homeowners insurance?
Penn National, Westfield and USAA offer the cheapest homeowners insurance in Pennsylvania.
Find Cheap Home Insurance Quotes in Pennsylvania
-
Penn National has the cheapest home insurance rates in PA for most people. Home insurance from Penn National typically costs 26% to 38% less than the statewide average, depending on how much coverage you need.
However, Penn National has very bad customer service reviews. Most people should consider another company, if they can afford it.
- Westfield also has very affordable rates, and its customer service is much better than Penn National's. Home insurance from Westfield is usually 8% to 20% cheaper than the Pennsylvania average.
- USAA has the cheapest overall home insurance in Pennsylvania. However, only military members, veterans and some of their family members can buy home insurance from USAA.
Cheap homeowners insurance in PA
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Penn National | $761 | |
| Nationwide | $1,019 | |
| Westfield | $1,117 | |
| Farmers | $1,247 | |
| Allstate | $1,401 | |
*USAA is only available to military members, veterans and some of their family members.
Key takeaways
-
Pennsylvania home insurance rates were fairly stable in 2025 after a big increase in 2024. In 2024, home insurance rates went up by more than 14%, on average, but 2025 saw an increase of just over 1%.
The major increases in 2024 could be partially because of a series of very destructive storms that hit Pennsylvania in 2023 and 2024. Each year saw eight severe storms that each caused more than $1 billion in damage. This likely resulted in home insurance companies raising rates in 2024 to try to recoup some of their losses.
- Home insurance rates have risen by similar amounts across most companies in Pennsylvania over the past five years. From 2021 to 2025, rates increased by 27% to 46% for most homeowners. USAA was the only company with a single-digit increase, at just over 6%.
- Fire and lightning cause the most damage to Pennsylvania homes. Homeowners insurance almost always pays for damage after a fire. But Pennsylvania homeowners should stay on top of their regular home maintenance to help prevent damage.
Best home insurance in PA for most people: Westfield
| Editor rating | |
| Annual cost | $1,451 |
| Monthly cost | $121 |
| Customer complaints |
Pros & cons
- Affordable rates
- Very few customer complaints
- Cheapest in Philadelphia
- Offers inland flood coverage
- No online quotes
- Minimal discounts
Why is Westfield the best?
Westfield offers the best combination of affordable rates and reliable customer service in Pennsylvania.
Westfield's home insurance tends to be cheaper than average. It's also the most affordable option in Philadelphia, where a policy costs around $1,813 per year, which is 18% cheaper than the citywide average.
How much is Westfield insurance in Pennsylvania?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $1,117 | 8% cheaper |
| $350,000 | $1,451 | 15% cheaper |
| $500,000 | $1,833 | 19% cheaper |
| $1 million | $3,269 | 20% cheaper |
In addition, Westfield has some of the best customer service reviews in Pennsylvania. The company gets 87% fewer customer complaints than expected for an insurance company its size. That means Westfield is more likely to get your life back to normal quickly if your home is damaged.
Westfield doesn't offer as many coverage add-ons as other companies. But, its inland flood coverage could be especially helpful in Pennsylvania, where about 21% of homes damaged by weather-related flooding aren't in a high-risk flood zone. This coverage pays for damage caused by flash flooding or rising waters if your home isn't located in a flood zone.
Potential issues
Westfield doesn't offer many discounts to help lower your home insurance bill. That means it's unlikely Westfield will beat Penn National's extremely cheap rates.
In addition, Westfield doesn't have the online tools you'd get with a national insurance company, such as online quotes or an app. So you'll have to work with a local agent to buy or manage your policy or file a claim.
Compare home insurance in Philadelphia
Cheapest homeowners insurance in Philadelphia
Company | Annual rate | |
|---|---|---|
|
| Westfield | $1,813 |
|
| Penn National | $2,024 |
|
| Allstate | $2,189 |
|
| Nationwide | $2,225 |
|
| Farmers | $2,796 |
Rates are for a policy with $350,000 of dwelling coverage.
Best for cheap home insurance in PA: Penn National
| Editor rating | |
| Annual cost | $1,192 |
| Monthly cost | $99 |
| Customer complaints |
Pros & cons
- Cheapest rates in PA
- Lots of discounts
- Lowest rates in Pittsburgh
- Poor customer service
- Can't get a quote online
Why is Penn National the best?
Penn National is the best choice for Pennsylvania homeowners shopping for the absolute lowest rates.
How much is Penn National insurance in Pennsylvania?
Dwelling coverage limit | Annual rate | % from state avg. |
|---|---|---|
| $200,000 | $761 | 38% cheaper |
| $350,000 | $1,192 | 30% cheaper |
| $500,000 | $1,568 | 31% cheaper |
| $1 million | $3,051 | 26% cheaper |
In addition to having the cheapest rates for most Pennsylvania homeowners, Penn National also offers lots of discounts to help you save on home insurance. For example, you can save money if you have renovated your electrical, plumbing or heating systems within the last 10 years, have a new roof or buy a new home.
Potential issues
The biggest downside to choosing Penn National is its poor customer service reviews. The company gets eight times as many customer complaints as an average insurance company its size. Most complaints are about Penn National canceling or choosing not to renew home insurance policies. So you could be sacrificing peace of mind and stability for a low rate if you choose Penn National.
Additionally, you can't get an online quote for Penn National. This makes it harder to comparison shop since you'll have to pick up the phone and call an agent.
Compare home insurance in Pittsburgh
Cheapest home insurance quotes in Pittsburgh
Company | Annual rate | |
|---|---|---|
|
| Penn National | $1,169 |
|
| Nationwide | $1,387 |
|
| Westfield | $1,407 |
|
| Allstate | $1,528 |
|
| Farmers | $2,005 |
Rates are for a policy with $350,000 of dwelling coverage.
Best for coverage add-ons and discounts: Nationwide
| Editor rating | |
| Annual cost | $1,651 |
| Monthly cost | $138 |
| Customer complaints |
Pros & cons
- Useful coverage options
- Numerous discounts
- Helpful online tools
- Not the cheapest before discounts
- Mixed customer service reviews
Why is Nationwide the best?
Nationwide is the best option in PA if you're looking to upgrade your home insurance coverage.
Nationwide has lots of coverage add-ons to personalize your protection.
For example, you can add "better roof replacement coverage," which guarantees Nationwide will fix your roof with safer, stronger materials if it's damaged or destroyed. This could be especially helpful because there are a large number of homes across Pennsylvania with a high risk of hail damage.
Nationwide also offers numerous discounts to help lower your home insurance bill. Some of Nationwide's discounts are very easy to get, like its "prior insurance" discount, which gives you a bigger price break the longer you were with your previous insurance company.
Nationwide is also the best choice for Pennsylvania homeowners who prefer to manage their policies online. You can quickly get a quote and buy a policy online, and the app makes it easy to make changes to your coverage or file a claim.
Potential issues
Although Nationwide's home insurance tends to be cheaper than average in Pennsylvania, other companies are more affordable. For instance, Nationwide charges around $1,651 per year for a policy with $350,000 of dwelling coverage. While that's $61 per year less than the Pennsylvania average, it's $459 per year more than the cheapest company, Penn National.
Another downside to choosing Nationwide is its mixed customer service reviews.
- Nationwide earned great scores on J.D. Power's customer and claims satisfaction surveys.
- However, Nationwide gets around 48% more customer complaints than an average company its size. Most complaints are about low settlement offers after a claim, which means it could cost more to fix your home after it's damaged.
Top-rated home insurance companies in Pennsylvania
USAA and Westfield have the best combination of low rates and good customer service in Pennsylvania.
USAA is the best-rated company overall, but it's only available to military members, veterans and their families.
Westfield is the best choice if you can't get insurance from USAA. It has affordable rates and very few customer complaints.
Best homeowners insurance in PA
Company |
Rating
|
Complaints
|
|---|---|---|
| USAA | Low | |
| Westfield | Low | |
| Penn National | High | |
| Nationwide | High | |
| Allstate | Average |
How much is home insurance in Pennsylvania?
Home insurance in Pennsylvania costs an average of $1,712 per year for $350,000 of dwelling coverage.
That's about $680 per year less than the national average.
Average cost of home insurance in PA
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $1,220 |
| $350,000 | $1,712 |
| $500,000 | $2,277 |
| $1 million | $4,109 |
Cost of Pennsylvania home insurance by city
Philadelphia has the most expensive home insurance rates in Pennsylvania, with an average of $2,214 per year.
That's 29% more expensive than the statewide average. One reason for Philadelphia's expensive home insurance quotes is the city's high crime rates. Philadelphia has three times more property crime per 100,000 residents than the state of Pennsylvania as a whole. That means homeowners in Philly are more likely to file claims for theft or vandalism.
Plymouth, a borough in northeastern Pennsylvania’s Wyoming Valley, has the cheapest home insurance in the state. On average, homeowners in Plymouth pay around $1,492 per year for $350,000 of dwelling coverage.
Penn National has the cheapest home insurance rates in 95% of cities and towns across Pennsylvania. Westfield has the lowest rates in the most remaining cities, including Philadelphia, Scranton and Altoona.
Find Cheap Home Insurance Quotes in Pennsylvania
Cheapest homeowners insurance in PA by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Aaronsburg | $1,724 | Penn National | $923 |
| Abbottstown | $1,615 | Penn National | $1,028 |
| Abington | $1,924 | Penn National | $1,401 |
| Ackermanville | $1,646 | Penn National | $990 |
| Acme | $1,652 | Penn National | $1,091 |
Rates are for a policy with $350,000 of dwelling coverage.
What home insurance coverage do you need in Pennsylvania?
Fire, hail and flooding can all cause major damage to homes in Pennsylvania. People living in larger cities may also have to watch out for theft and vandalism.
Does Pennsylvania home insurance protect against fire damage?
Fire and lightning cause the most damage to Pennsylvania homes.
Fortunately, homeowners insurance almost always covers house fires. The main exception is if your home insurance company believes you could have prevented the fire. So it's important to keep a fire extinguisher in your kitchen, stay on top of home maintenance projects and properly dispose of cigarettes.
Pennsylvania had more fire-related deaths than any other state in 2025. This is partially because Pennsylvania homes tend to be older and don't always have updated electrical systems.
If you live in an older home, it's important to have your electrical system inspected frequently to help catch issues early.
Does Pennsylvania homeowners insurance protect against hail damage?
Pennsylvania homes are also at a high risk of hail damage. Homeowners insurance typically pays for damage caused by hail if it leaves your home vulnerable to leaks or other types of damage. But cosmetic repairs aren't usually covered.
Pennsylvania has the sixth-most homes with a moderate or greater risk of hail damage in the U.S. About 1.5 million Pennsylvania homes fall into this category, and they would cost an estimated $747 billion to rebuild.
Does Pennsylvania home insurance cover flood damage?
Standard home insurance policies don't protect against weather-related flood damage, such as flash floods or rising rivers.
Your mortgage company may require you to buy flood insurance if you live in a high-risk location. Many home insurance companies in Pennsylvania offer flood insurance including Nationwide, Farmers and other national companies.
However, it's often a good idea to buy flood insurance in Pennsylvania, even if your mortgage company doesn't require it.
In 2025, the National Flood Insurance Program (NFIP) paid over $209 million to Pennsylvania homeowners living outside of high-risk flood zones whose homes were damaged by floodwater.
That makes up about 21% of all flood claims across the state, with the average claim costing about $10,157. So, just because you're not located in a high-risk flood zone doesn't mean your home is safe from floodwater.
How much is flood insurance in PA?
A flood insurance policy through the National Flood Insurance Program (NFIP) costs an average of $1,474 per year in Pennsylvania. You can get an NFIP policy through most national insurance companies, and the rates are the same no matter who you buy a policy from.
Property crime is a common issue if you live in a larger city in Pennsylvania, such as Philadelphia or Pittsburgh. This can include things like theft, vandalism and arson. Homeowners insurance usually covers these things. However, you may not be covered if you're away from home for long periods of time or if your house is under construction.
For example, Philadelphia has 4,548 property crimes per 100,000 residents, which is nearly double the national average. Homeowners in Philly and Pittsburgh should consider a security system to help protect their homes against burglaries and vandalism.
Tips to save money on your Pennsylvania home insurance policy
Comparing quotes from different companies is the easiest way to find cheap homeowners insurance in Pennsylvania.
The most expensive company in Pennsylvania, Progressive, charges more than twice as much as the cheapest company, Penn National. It's always a good idea to get quotes from several companies to make sure you're getting the best rate.
If you're still not happy with your monthly rate, consider raising your deductible. Keep in mind that you're responsible for paying your entire deductible. You should never raise your deductible beyond what you have in your savings account.
Many companies offer home insurance discounts you can take advantage of to lower your monthly rate even further.
Common home insurance discounts in PA
- Bundling discounts: When you buy two or more different types of insurance from the same company.
- Loyalty discounts: For staying with a single company for a set period of time.
- New customer discounts: When you buy a new policy.
- Claim-free discounts: When you haven't filed a claim in a set period of time.
- Home improvement and safety discounts: For making certain improvements or installing safety devices in your home like a burglar or fire alarm.
It's important to factor in the discounts you qualify for when comparing rates to make sure you're getting the best deal.
Change in Pennsylvania home insurance cost over time
Home insurance prices are up 34% in Pennsylvania over the last five years.
Pennsylvania homeowners faced an average jump of more than 14% in 2024. That more than doubled the increase in 2023. But rates leveled off in 2025, with an average increase of just over 1%.
Pennsylvania home insurance rate trends, 2021-2025
Year | Rate increase |
|---|---|
| 2021 | 2.33% |
| 2022 | 4.81% |
| 2023 | 6.89% |
| 2024 | 14.05% |
| 2025 | 1.28% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
USAA had the smallest rate hike among Pennsylvania companies, with an increase of just over 6% between 2021 and 2025.
Farmers had the most significant increase in Pennsylvania, at 84% over the same time period.
Frequently asked questions
Who has the cheapest homeowners insurance in Pennsylvania?
Penn National has the cheapest rates for home insurance in Pennsylvania. It costs $1,192 per year for $350,000 of dwelling coverage, which is 30% less than the PA state average.
How much is the average homeowners insurance in PA?
Pennsylvania home insurance costs an average of $1,712 per year. That's 29% less than the national average of $2,395.
How much is homeowners insurance in Philadelphia, PA?
Home insurance in Philadelphia costs an average of $2,214 per year. That's 29% more expensive than the Pennsylvania state average. Philadelphia homeowners can find the cheapest rates at Westfield, where a policy costs around $1,813 per year.
How much is homeowners insurance in Pittsburgh, PA?
Homeowners in Pittsburgh pay an average of $1,720 per year for insurance, which is just $8 per year more than the statewide average. Penn National has the cheapest home insurance in Pittsburgh, at $1,169 per year, on average.
Methodology
ValuePenguin collected quotes from the largest home insurance companies in Pennsylvania across 1,904 ZIP codes. Rates are for a 45-year-old married man with no history of insurance claims. Quotes are for a 2,045 square foot home built 51 years ago, based on the average home age and size in Pennsylvania.
Quotes include the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. Quadrant's rates were taken from public filings and should only be used for comparative purposes.
Home insurance ratings were created using complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey and ValuePenguin's ratings.
Sources:
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
