Pennsylvania Home Insurance: Costs, Coverage and How to Save
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Pennsylvania is one of the most weather-diverse states in the country, facing everything from severe thunderstorms and flooding to harsh winter storms and even the lingering effects of Atlantic hurricanes. This is why having the right home insurance coverage is important, and Jerry can help you find it.
Bundling your home and car insurance is easy with Jerry. It’s free to compare quotes and we can help you switch insurers, all online. Plus, our licensed agents are just a call away if you’d rather talk to a real person.
Based on the 25th percentile of the cheapest quote received by each user in the last 365 days. Not all customers find savings. Savings depend on state, policy features, coverage, insurance history and other factors.
Bundle home + car and save up to 40%.
What Pennsylvania homeowners pay right now
Home insurance costs in Pennsylvania can vary quite a bit depending on your home’s age and rebuild cost, your claims history and other factors like your proximity to flood-prone rivers or severe storm corridors.
Based on Jerry customer who bundled and found savings in the last 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, insurance history and other factors.
Jerry can help you find the right coverage at the right price. Below are some recent examples of real customers who saved by bundling their home insurance with Jerry:
Recent bundling quotes
Based on quotes from Jerry customers who found savings in the last 60 days. Not all customers find savings. Savings depend on state, policy features, coverage, insurance history and other factors.
Key takeaway: Home insurance rates in Pennsylvania depend on your home’s age, rebuild costs and weather exposure, but comparing quotes can help you save.
Mix and match home and car insurance with Jerry
Bundling discounts typically range from 5–25%, But bundling your car insurance with the same carrier isn’t always the cheapest option overall. Sometimes exploring different carrier combinations can cost less. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Based on Jerry customer who bundled and found savings in the last 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, insurance history and other factors.
But here’s what sets Jerry apart: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way, you’re not overpaying on one policy just to get a bundle discount on the other.
Mix and match with Jerry to build your perfect bundle.
Best home insurance in Pennsylvania
There’s no single “best” home insurance company in Pennsylvania. It depends on your home, your budget and the type of coverage you need. For example, homeowners in flood-prone areas near the Delaware River or Susquehanna River may need additional flood protection, while those in western Pennsylvania’s former coal country might want to look into mine subsidence insurance.
That said, our data shows some clear trends among Pennsylvania homeowners. Here are the most popular home insurance companies Jerry customers choose:
Based on policies sold over the past 120 days. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Why the variety? Pennsylvania homeowners prioritize different things. Some want the lowest premium, many care most about a smooth claims process, and others look for strong digital tools or local agent support.
Also check: The best car insurance in Pennsylvania
Jerry recommends: The easiest way to find the right coverage is to compare home insurance quotes in the Jerry app. We find competitive quotes from top carriers in minutes, so you can find the best coverage at the right price.
Factors that affect home insurance costs in Pennsylvania
From harsh winters to flash floods and aging housing stock, where and what you own in Pennsylvania plays a major role in what you pay. Here’s what stands out most and how to stay protected.
🌊 Flooding and flash floods
Flooding is the most common natural disaster in Pennsylvania, and it can happen anywhere it rains. River communities near the Delaware, Susquehanna and Allegheny rivers face the highest risk, but flash floods from severe thunderstorms can strike virtually any neighborhood. Standard homeowners policies do not cover flood damage, so a separate flood policy through the National Flood Insurance Program or a private insurer is essential for many PA homeowners.
❄️ Severe winter weather
Pennsylvania winters can be brutal, especially in the northwest near Erie and across the Poconos. Heavy snowfall, ice storms and freezing temperatures can lead to roof damage, frozen pipes and ice dams. Insurers often factor roof age and condition into your rate, so keeping your roof in good shape can help.
⛈️ Thunderstorms and hail
Severe thunderstorms are regular events across the Keystone State, especially during the warmer months. They can bring damaging hail, high winds and lightning-induced fires. Standard policies typically cover wind and hail damage, but it’s smart to confirm your deductible and coverage limits before storm season arrives.
🏠 Older housing stock
Pennsylvania has some of the oldest housing stock in the country. Cities like Philadelphia, Pittsburgh and Allentown are full of century-old rowhomes, brick colonials and stone farmhouses. Older homes often have outdated electrical, plumbing and heating systems that are costlier to repair and more likely to trigger claims, which can raise your premium.
⛏️ Mine subsidence
Parts of western and northeastern Pennsylvania sit on top of abandoned coal and clay mines. Mine subsidence, the gradual or sudden collapse of underground mine workings, is not covered by standard homeowners insurance. Pennsylvania’s Department of Environmental Protection offers an affordable Mine Subsidence Insurance program that has been operating since 1961.
Key takeaway: Pennsylvania’s combination of flooding, winter storms, aging homes and mine subsidence all factor into your rate. Understanding these risks helps you build the right coverage.
Get bundling quotes in minutes, no calls needed.
Get the right coverage without overpaying
For Pennsylvania homeowners, the right mix of coverage can protect you when it counts while keeping your costs in check.
Dwelling coverage is the foundation of your home insurance policy. It pays to repair or rebuild your home’s structure if it’s damaged by covered events like fire, wind, hail, lightning or vandalism. Your dwelling coverage amount should be based on your home’s rebuild cost, not its market value, as calculated by your insurer. Jerry can estimate your replacement cost right in the app, so you’ll know you’re covered for the right amount.
Here’s what Pennsylvania homeowners typically pay based on their home’s rebuild value:
$150-299k
dwelling coverage
Typical for smaller homes, condos or older properties.
$300-499k
dwelling coverage
Covers most mid-range homes.
$500-749k
dwelling coverage
Typical for larger or newer homes.
$750k-1M
dwelling coverage
Common for high-value properties.
Key takeaway: Your dwelling coverage should match your home’s rebuild cost, not its market value. Jerry shows you real-time pricing at every level so you can find the right balance.
Learn more: What does home insurance cover?
4 ways to save on home insurance
Bundling is one of the most effective ways to lower your premium, but it’s not the only strategy. Pennsylvania homeowners have several options to reduce costs without cutting coverage. Here are four worth exploring.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Every insurer uses its own formula to price coverage, which means the same home can cost hundreds more with one carrier than another. Comparing quotes side-by-side with Jerry is the fastest way to find a better rate for your Pennsylvania home.
Recent quotes
Based on quotes from Jerry customers who found savings in the last 60 days. Not all customers find savings. Savings depend on state, policy features, coverage, insurance history and other factors.
Why it matters: Two homeowners on the same street in Philadelphia or Pittsburgh can still pay very different rates. Jerry shows you quotes side-by-side to help you find coverage that fits your home and budget.
Jerry Agent Tip 2: Stack discounts for a cheaper rate
From paying your premium in full to installing security devices, most homeowners qualify for at least a few discounts, and stacking them could result in some serious savings. The thing is, insurers don’t always apply them automatically, which is why Jerry automatically finds the discounts you qualify for.
Besides bundling, here are some common Pennsylvania home insurance discounts:
🔒 Security system discount
Installing safety devices like alarms, smart home systems and deadbolts can qualify you for a lower rate. Many carriers offer protective device discounts of up to 15% when you combine security systems like advanced burglar protection and automatic water leak valves.
🆕 New home discount
Newer homes are less likely to have costly claims, and insurers reward that. Depending on the carrier, homes built within the last 10 to 15 years may qualify for savings of up to 15% for the first year you’re with an insurance company.
🎓 Claims-free discount
The longer you go without filing a claim, the more you save. Most insurers offer this discount after three or more claims-free years, with some offering savings of up to 20%.
Worth noting: Pennsylvania law prohibits insurers from terminating your homeowners policy solely because of your claims history. However, if a similar type of claim keeps happening, your insurer may ask you to make improvements to address the underlying issue.
🔧 Home renovation discount
Updated your electrical, plumbing or heating systems? Some carriers offer discounts when these systems have been replaced within the last 10 to 15 years, since modern systems reduce the risk of fire and water damage. This is especially relevant for Pennsylvania’s many older homes.
🏡 HOA or gated community discount
If your home is in a homeowners association or gated community, you may qualify for a lower premium. Insurers view these properties as lower risk due to added security and regular maintenance.
💳 Pay-in-full discount
Paying your full annual premium upfront instead of in monthly installments can earn you a discount with many carriers, typically between 5-10%.
⏳ Loyalty discount
Staying with the same insurer year after year can lead to increasing savings. Some carriers start rewarding loyalty after just one year, with discounts growing the longer you stay. But it never hurts to shop around when your policy is up for renewal.
📋 Quote-in-advance discount
Shopping early can pay off. Some insurers offer a discount of up to 15% when you get a quote before your previous policy expires.
🚭 Non-smoker discount
Since smoking increases the risk of house fires, some carriers offer lower rates to non-smoking households.
Key takeaway: Most homeowners qualify for multiple discounts, from bundling and security systems to claims-free credits. Insurers don’t always apply them automatically, so asking about every discount you’re eligible for could add up to significant savings.
Jerry Agent Tip 3: Pick the right deductible
Your deductible, the amount you pay out of pocket before insurance kicks in, has a direct impact on your premium. According to the Insurance Information Institute, raising your deductible from $500 to $1,000 can reduce your premium by 10 to 25%, depending on your location, insurer and home’s replacement cost.
The trade-off is straightforward: a higher deductible means a lower premium, but more out of pocket if you file a claim. To find the right balance:
- Check what you can afford out of pocket. If a $2,000 expense after a storm would be manageable, a higher deductible could save you hundreds a year. If it would strain your budget, stick with a lower one.
- Think about how often you’d actually file a claim. Most homeowners only file a claim once every 8 to 10 years, so the premium savings can add up long before you ever pay that deductible.
The Jerry difference: Jerry lets you compare quotes for different deductible amounts to see exactly how it affects your home insurance costs.
Jerry Agent Tip 4: Improve your credit score
In Pennsylvania, insurers can use credit-based insurance scores to help set your premium, though they cannot deny you coverage solely because of poor credit. Homeowners with good or excellent credit often save hundreds compared to those with fair or poor credit. Improving your credit isn’t an overnight fix, but even gradual improvements could lead to a lower rate at your next renewal.
To boost your credit score, focus on paying bills on time, keeping credit card balances below 30% of your limit and avoiding new credit applications before shopping for insurance. Building your credit score takes time, but most people see meaningful improvement within 3 to 6 months of consistent on-time payments and lower balances.
If your credit isn’t where you want it to be, don’t worry. Some insurers weigh credit less heavily than others, and Jerry can show you which carriers offer the best rates for your situation.
Key takeaway: The better your credit score, the lower your premium typically will be. But even with imperfect credit, shopping around with Jerry can help you find a competitive rate.
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FAQ
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💰 How much does home insurance cost in Pennsylvania?
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🤔 Is home insurance required in Pennsylvania?
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🌊 Does Pennsylvania home insurance cover flooding?
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⛏️ What is mine subsidence insurance, and do I need it in Pennsylvania?
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🏠 Why is home insurance more expensive for older homes in Pennsylvania?
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🛡️ What is the Pennsylvania FAIR Plan?