Best Homeowners Insurance in Pennsylvania (2024)

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Updated: December 4, 2024

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Erie is the top home insurance company in Pennsylvania, chosen for overall excellence tailored to varying needs. While affordability stands out, its cost-effective policies cater to a broad audience, including those seeking a budget-friendly option or owning a new home.

To refine these insights, we measured quotes based on a $100,000 dwelling coverage limit. The right coverage level is crucial and can impact your premium. It's important to decide on the proper amount of dwelling coverage.

Exploring Pennsylvania's home insurance landscape, MoneyGeek compiled a resource on the cheapest home insurance in Pennsylvania, prioritizing cost above service quality.

Key Takeaways

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In Pennsylvania, Erie emerges as the top choice for homeowners insurance, achieving a MoneyGeek score of 95 out of 100, making it the best overall provider due to its excellent balance of affordability and service quality. The runner-up is Chubb, with a MoneyGeek score of 88 out of 100, offering competitive service at a slightly higher cost.

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In Pennsylvania, Erie is the top choice for the most affordable homeowners insurance, with an annual cost of $622, catering specifically to veterans and military families. Erie's balanced offering of cost-efficiency and excellent service makes it a standout option for budget-conscious homeowners. The runner-up in providing competitive insurance options is USAA, known for addressing the distinctive needs of veterans without the same affordability as Erie.

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For the best customer service in homeowners insurance in Pennsylvania, Erie emerges as the top provider with a MoneyGeek score of 88 out of 100, offering robust support and reliability at $622 per year. Chubb follows as the runner-up, with a MoneyGeek score of 76 out of 100, priced at $710 per year.

Why Trust MoneyGeek? Our analysis utilizes robust datasets from the Pennsylvania Department of Insurance along with Quadrant Information Services to pinpoint top-notch homeowners insurance in Pennsylvania.

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Home insurance rates in Pennsylvania represent the latest quotes as of July 2024.

1,209,600Quotes Analyzed
 
8Companies Compared
 
16ZIP Codes

Overall Best Homeowners Insurance in Pennsylvania

Erie stands out as the leading provider of the best home insurance in Pennsylvania. Take a look at the best overall homeowners insurance providers in Pennsylvania below.

  • Erie: MoneyGeek score of 95 out of 100 ($665 per year)
  • Chubb: MoneyGeek score of 88 out of 100 ($710 per year)

In Pennsylvania, homeownership comes with its set of challenges, and choosing the right insurance is one of them. With a variety of companies offering different service levels and costs, it's crucial to strike a balance that fits both your budget and your expectations for customer service.

Company logo for Erie
Best OverallErie
MoneyGeek Score:
95/ of 100
Overview

Erie stands out in Pennsylvania, ranking first for both affordability and customer satisfaction. The average annual premium for Erie is $665. Besides common coverages, it also provides rare discounts such as advanced quote, rewarding homeowners who plan ahead.

Moreover, with the reasonably rare guaranteed replacement cost included, homeowners have complete replacement value of their home after a total loss. Its scheduled personal property coverage offers generous limits for valuables, protecting items like jewelry and electronics from theft or damage.

Best Homeowners Insurance in Pennsylvania for Customer Service

Erie stands out as the premier home insurance provider in Pennsylvania, excelling in service quality. Homeowners seeking exceptional service can look at the top homeowners insurance providers in Pennsylvania for service quality below:

  • Erie: MoneyGeek score of 88 out of 100 ($622 per year)
  • Chubb: MoneyGeek score of 76 out of 100 ($710 per year)

Valuing service quality in a home insurance company means prioritizing customer support, claims processing efficiency and overall reliability.

Company logo for Erie
Best for ServiceErie
MoneyGeek Score:
88/ of 100
Overview

Erie, the leading home insurance provider in Pennsylvania, achieves a perfect customer satisfaction score of 65 out of 65, indicating exceptional service quality. Their average annual premium stands at $622, striking a balance between cost and customer contentment.

Homeowners get added security with Erie's guaranteed replacement cost. Additionally, Erie provides scheduled personal property coverage, offering ample protection for valuables, ensuring homeowners can recover their full value in case of loss or theft. These reasonably common coverages can prove highly beneficial.

Best Cheap Homeowners Insurance in Pennsylvania

Erie offers the best options for affordable home insurance in Pennsylvania for budget-conscious homeowners. Take a look at the best and cheapest homeowners insurance providers in Pennsylvania for those on a budget below.

  • Erie: MoneyGeek score of 96 out of 100 ($665 per year)
  • State Farm: MoneyGeek score of 91 out of 100 ($674 per year)

With an affordability score of 75 out of 75, Erie provides the best value for homeowners on a budget. While inexpensive premiums are attractive, they don't necessarily equate to the finest service. Smart homeowners should consider insurers like Erie that deliver an excellent balance between low costs and reliable service, such as when a tree falls on your home and prompt, supportive response is crucial. Know more about the average cost of home insurance in Pennsylvania to make an informed choice.

Company logo for Erie
Best CheapErie
MoneyGeek Score:
96/ of 100
Overview

Erie shines for homeowners on a budget in Pennsylvania. Erie helps homeowners lower costs even more with common discounts like bundling and reasonably common discounts such as the protective device credit.

Bundle discounts apply when combining home and auto policies, leading to savings on both. The protective device discount rewards homeowners who enhance safety with features like burglar alarms or sprinkler systems. These provisions aim to reduce premiums while ensuring robust protection for valuable assets.

Best Homeowners Insurance in Pennsylvania for Expensive Homes

Erie stands out as the best home insurance in Pennsylvania for those with luxurious residences. These providers are top-ranked for homeowners requiring $1 million in dwelling coverage.

  • Erie: MoneyGeek score of 86 out of 100 ($4,524 per year)
  • Chubb: MoneyGeek score of 78 out of 100 ($5,197 per year)

With a high affordability, Erie proves exceptional for cost-conscious homeowners of high-value homes. Since premium homes often demand comprehensive coverage, selecting an insurer that balances affordability with quality coverage is essential.

Company logo for Erie
Best for Expensive HomesErie
MoneyGeek Score:
86/ of 100
Overview

Erie leads as the top provider of home insurance for expensive homes in Pennsylvania, with an average annual premium of $4,524. Homeowners can leverage the multi-policy discount for significant savings, especially when insuring high-value homes that demand more coverage. This common discount rewards customers for bundling different insurance policies with the same insurer.

Erie offers guaranteed replacement cost, ensuring homes are rebuilt regardless of policy limits, and scheduled personal property for comprehensive coverage of valuables, addressing the unique concerns of expensive home ownership.

Best Homeowners Insurance in Pennsylvania for New Homes

Erie stands out as the premier provider of home insurance in Pennsylvania for those with new homes. Take a look at the best and cheapest homeowners insurance providers in Pennsylvania for those with new homes below.

  • Erie: MoneyGeek score of 90 out of 100 ($992 per year)
  • Chubb: MoneyGeek score of 67 out of 100 ($2,081 per year)

With an affordability score of 55 and an outstanding customer service rating of 30, Erie ensures homeowners enjoy the best of both worlds: cost-efficiency and excellent service. This combination offers substantial value to homeowners seeking reliable coverage for their new property.

Company logo for Erie
Best for New HomesErie
MoneyGeek Score:
90/ of 100
Overview

Erie tops the list as the best home insurance provider for new homes in Pennsylvania. Its guaranteed replacement cost option ensures your new home is fully covered without depreciation concerns.

Homeowners can benefit from Erie's discounts, including an early payment perk and bundling policies. Paying your premium in full and ahead of schedule rewards you with savings, while combining home insurance with other policies from Erie leads to additional benefits.

Best Homeowners Insurance in Pennsylvania for Veterans

For veterans, military members, and their families, the best home insurance provider in Pennsylvania is Erie, with top-rated policies tailored to their specific needs. Erie's annual premium is set at $622. The best and most affordable homeowners insurance providers in Pennsylvania for veterans and military families are listed below.

  • Erie: MoneyGeek score of 93 out of 100 ($622 per year)
  • USAA: MoneyGeek score of 92 out of 100 ($742 per year)

The optimum homeowners insurance company for veterans acknowledges their distinctive circumstances, such as habitual moves and deployment possibilities, safeguarding their residences and possessions under all conditions. Homeowners insurance for veterans is designed with this understanding at its core.

Company logo for Erie
Best for VeteransErie
MoneyGeek Score:
93/ of 100
Overview

Erie leads as the best home insurance provider for veterans in Pennsylvania, with a perfect affordability score and a customer satisfaction score nearly at the top, complemented by an average annual premium of $622. Guaranteed replacement cost coverage is included, ensuring that your home can be rebuilt to its original state even if the cost exceeds the policy limit.

Veterans can benefit from reasonably rare early payment discounts when they plan ahead and common protective device discounts by installing safety features like alarms and sprinkler systems, providing cost reductions for proactive and safety-conscious homeowners.

How to Find the Best Homeowners Insurance in Pennsylvania for You

Your specific requirements, such as the value of your home and personal belongings, will ultimately dictate the ideal policy for you. In the following steps, we'll guide you through the process to ensure you select insurance that meets your unique needs effectively and efficiently.

  1. 1

    Assess Your Insurance Needs

    Begin with evaluating how much home insurance coverage you need by considering factors such as the value of your home and possessions.

  2. 2

    Research Various Providers

    Delve into potential insurers by studying their reputations, customer service records and financial stability. Research a list of companies and review feedback from current policyholders.

  3. 3

    Compare Coverage and Costs

    Examine the difference in premiums, deductibles and coverage specifics. Financial considerations are critical, so take the time to compare home insurance quotes from multiple insurers.

  4. 4

    Understand the Policy Details

    Scrutinize the fine print of different policies, including exclusions, limits, and the claims process. Know the terms for replacement costs, actual cash value and potential add-ons.

  5. 5

    Consult with an Independent Agent

    Enlist the expertise of a licensed professional who isn't tied to any single insurance company. An independent agent can offer personalized advice and help you navigate the nuances of policy selection.

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DOES HOME INSURANCE COVER FLOOD DAMAGE IN PENNSYLVANIA?

Homeowners in Pennsylvania aren’t required by law to have flood insurance. Still, obtaining flood insurance in Pennsylvania can be wise for those in areas prone to flooding.

FAQ: Homeowners Insurance in Pennsylvania

Choosing the best homeowners insurance provider in Pennsylvania hinges on your individual requirements and preferences. To help you navigate this decision, we've compiled a list of frequently asked questions regarding Pennsylvania's top homeowners insurance providers.

Which insurance company is best for home insurance in Pennsylvania?

Who has the most affordable homeowners insurance in Pennsylvania?

About Mark Fitzpatrick

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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.

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