Home Insurance Pennsylvania homeowners insurance calculator Pennsylvania homeowners insurance rates average $1,911 annually for a policy with $300,000 in dwelling and liability coverage with a $1,000 deductible and a 2% hurricane deductible. Not all home insurance policies in Pennsylvania require a hurricane deductible. View Carriers Please enter valid zip Compare top carriers in your area Written by Tonya Sisler Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. Expert insight from Amy Bach Amy Bach Executive Director of United Policyholders.Go to comment Posted on: August 8, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Rates vary by coverage level and location; our calculator can show you rates in your area for your needs. Home insurance in Pennsylvania is $690 cheaper than the national average, based on $300,000 of dwelling and liability coverage with a $1,000 deductible and a 2% hurricane deductible. Not all parts of Pennsylvania have hurricane deductibles, which will affect rates; the average cost without a hurricane deductible is $1,868. Rates vary across the state based on the area’s risk, coverage level, and other factors. Find out what home insurance rates look like for your needs using our Pennsylvania homeowners insurance calculator. Pennsylvania home insurance calculator See how the average annual home insurance rates vary with the options chosen. State AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000$300,000$400,000$600,000$1,000,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $100,000 or $300,000 are recommended. $100,000$300,000 Deductible Standard ($1000)Hurricane (2% of insured value) Filter Average Annual Home Insurance Rates In Pennsylvania $2,025 Average rate $9,367 Highest rate The estimated highest premium in Pennsylvania $765 Lowest rate The estimated lowest premium in Pennsylvania START SHOPPING NOW Home insurance companies in Pennsylvania Company Average annual rate Allstate $1,160 Erie Insurance $1,358 State Farm $1,409 USAA $1,496 Nationwide $1,554 Farmers $2,024 Travelers $5,176 Key Takeaways Average Pennsylvania homeowners insurance costs are $1,911 a year for $300,000 in dwelling and liability coverage and a $1,000 deductible with a 2% hurricane deductible. Without the hurricane deductible, which is not required in all parts of the state, the average rate is $1,868. York has the cheapest average homeowners insurance rates in Pennsylvania, and Philadelphia has the most expensive rates. How to use the Pennsylvania home insurance calculator Average homeowners insurance rates vary based on location, the specifics of the home, and coverage limits. Use the home insurance calculator below to see the average costs in Pennsylvania. Here’s how: Choose your dwelling coverage. This should be equal to the replacement cost of your home. Round up to the next closest number in the calculator. Choose your liability coverage. A standard policy includes $100,000, but experts recommend at least $300,000. Choose your deductible. The deductible is the amount you pay when you file a home insurance claim. A higher deductible means lower rates, but make sure you can afford it. How does dwelling coverage affect homeowners insurance in Pennsylvania? Dwelling coverage pays to rebuild or repair your home after a covered claim and is the most important part of your home insurance policy. Calculating how much coverage you would need to rebuild or make significant repairs to your home is essential. This table shows the average homeowners insurance rates for various amounts of dwelling coverage; each rate includes $300,000 in liability coverage and a $1,000 deductible, with a 2% hurricane deductible. Dwelling coverageAverage annual rateAverage monthly rate$200,000$1,475$123$300,000$1,911$159$400,000$2,316$193$600,000$3,200$267$1,000,000$4,966$414 What is a hurricane deductible, and how does it impact home insurance rates in Pennsylvania? In Pennsylvania, home insurance companies can include a hurricane deductible, which only applies to damage caused by hurricanes; it may also be called a windstorm or named storm deductible. Hurricane deductibles are often a percentage of your dwelling coverage, most commonly 2%. Below we compare rates with and without a hurricane deductible. Bear in mind that not all parts of Pennsylvania have hurricane deductibles. Average rates with hurricane deductibleAverage rates without hurricane deductible$1,911$1,868 Hurricane insurance doesn’t cover floods, so you may need an additional policy. “For those who live near any body of water or at the base of a hill, get a quote for flood insurance and buy it if you can afford it,” says Amy Bach, executive director of United Policyholders, a nonprofit consumer group. Average homeowners insurance cost in Pennsylvania The average homeowners insurance cost in Pennsylvania is $1,911, which is $690 below the national average. This average rate is based on $300,000 in dwelling and liability coverage with a $1,000 deductible and a 2% hurricane deductible. Many factors affect Pennsylvania homeowners insurance rates, such as living in an area prone to flooding, winter storms, or hurricanes. Your home’s age, building materials, and your credit score also impact Pennsylvania insurance rates. Choosing a different level of coverage or a lower deductible affects your home insurance rates, but you want to ensure you have enough coverage to repair or replace your home. Dwelling coverageLiabilityAverage annual rateDifference compared to the national average$300,000$300,000$1,911$690 Average cost of home insurance insurance in major Pennsylvania cities Pennsylvania homeowners insurance rates vary by city. For example, York residents pay the cheapest rates, but Philadelphia homeowners pay significantly higher rates. Check out the table below to compare average rates in major Pennsylvania cities. CityAverage annual rateAverage monthly rateAllentown$1,860$155Bethlehem$1,859$155Erie$1,864$155Harrisburg$1,809$151Lancaster$1,824$152Philadelphia$2,776$231Pittsburgh$1,802$150Reading$1,738$145Scranton$1,924$160York$1,682$140 What our expert says Q: What additional coverage should homeowners buy? Amy BachExecutive Director of United Policyholders “For those who live near any body of water or at the base of a hill, get a quote for flood insurance and buy it if you can afford it.” Methodology Insure.com commissioned home insurance rates from Quadrant Date Services in late 2023 for a homeowners insurance policy with dwelling coverage levels ranging from $200,000 – $1 million and liability coverage of $100,000 and $300,000. Sample rates were requested using a $1,000 deductible and a 2% hurricane deductible where applicable. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? 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