Pennsylvania homeowners pay rates below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Pennsylvania.
Best Homeowners Insurance Companies in Pennsylvania
Updated: September 15, 2026
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Pennsylvania's Top Home Insurance Companies: Key Takeaways
Erie is the best home insurance provider in Pennsylvania with a score of 4.9 out of 5 from our review team.
USAA, Chubb, State Farm and Farmers rank high for homeowners insurance in Pennsylvania based on affordable rates, strong customer service and reliable coverage.
The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.
What Are the Best Home Insurance Companies in Pennsylvania?
Erie ranks first for Pennsylvania homeowners with the state's lowest premiums and above-average customer satisfaction. USAA caters to military families, Chubb offers premium coverage quality, and State Farm and Farmers back their policies with local agent networks.
Erie | 4.9 | $1,718 | Most Pennsylvania homeowners |
USAA | 5.0 | $1,313 | Military families |
Chubb | 4.7 | $1,602 | High value homes |
State Farm | 4.6 | $1,413 | Affordable rates |
Farmers | 4.4 | $1,885 | Coverage options |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.
**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.
Erie
MoneyGeek Rating
4.9/ 5
4.9/5Affordability
4.8/5Customer Experience
4.9/5Coverage
J.D. Power Customer Satisfaction Score
N/AFrom the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,718Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
USAA
MoneyGeek Rating
5.0/ 5
5/5Affordability
5/5Customer Experience
5/5Coverage
J.D. Power Customer Satisfaction Score
737/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,313Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Chubb
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.4/5Customer Experience
4.6/5Coverage
J.D. Power Customer Satisfaction Score
677/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,602Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
State Farm
MoneyGeek Rating
4.6/ 5
5/5Affordability
4/5Customer Experience
4.2/5Coverage
J.D. Power Customer Satisfaction Score
657/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,413Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Farmers
MoneyGeek Rating
4.4/ 5
5/5Affordability
3.4/5Customer Experience
3.9/5Coverage
J.D. Power Customer Satisfaction Score
631/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Average Annual Premium
$1,885Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible
Best Pennsylvania Home Insurance by City
Across Pennsylvania, Erie leads the home insurance market by ranking as the top provider in all seven major cities analyzed: Allentown, Coal Township, Harrisburg, Lancaster, Philadelphia, Pittsburgh and Slickville. Annual premiums range from $888 to $2,445, with variation based on location-specific risk factors.
| Allentown | Erie | $1,402 |
| Coal Township | Erie | $888 |
| Harrisburg | Erie | $1,111 |
| Lancaster | Erie | $1,026 |
| Philadelphia | Erie | $2,445 |
| Pittsburgh | Erie | $1,142 |
| Slickville | Erie | $1,118 |
EXPLORE THE BEST CHEAP HOME INSURANCE IN PENNSYLVANIA CITIES
Cheapest Pennsylvania Home Insurance Companies
Pennsylvania homeowners pay $2,195 annually for home insurance, 35% less than the national average of $3,467. Allstate offers the state's most affordable home insurance at $1,263 annually, 27% below the state average. USAA offers the second-lowest rate at $1,313 per year but only sells to military members, veterans and their families. Pennsylvania homeowners pay 37% less than the $3,467 national average, though rates vary by insurer. Travelers charges the highest rates at $6,350 annually, 83% above the national average.
Guide to Finding the Best Pennsylvania Home Insurance Company
Compare multiple providers based on your coverage needs, budget and service preferences.
Compare Quotes StrategicallyGet quotes from at least three to five insurers. Premiums among Pennsylvania's top providers range from $1,313 to $1,885 a year. Price alone doesn't tell the full story. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.
Check Customer Satisfaction MetricsJ.D. Power scores among Pennsylvania's leading insurers range from 631 to 737, against an industry average of 642. Check complaint ratios through Pennsylvania's Insurance Department and read recent customer reviews. Focus on claims experiences during the state's severe thunderstorm season, not just what happens at policy purchase.
Evaluate Coverage NeedsBase your coverage on replacement cost, not market value. This matters most in Pennsylvania, where construction costs jump after flooding and hail storms. Extended or guaranteed replacement cost options are worth considering, along with flood insurance and wind/hail coverage for weather-related risks specific to your home.
Match Service Preferences to Provider StrengthsLemonade, Hippo and Root run mostly online, a fit if you prefer managing your policy digitally. State Farm, Allstate and Erie build their service around local agents, better for homeowners who want face-to-face support. Matching your preference avoids paying for service you won't use.
PENNSYLVANIA HOME INSURANCE RISKS
Pennsylvania saw over 1,000 flood events between 2010 and 2020, according to FEMA, ranking the state among the top for this threat. Pennsylvania allows insurers to include flooding deductibles in homeowners policies, ranging from 1% to 5% of your home's insured value. Standard homeowners insurance covers many types of damage. Flooding isn't one of them, so it requires separate coverage through your insurer or the National Flood Insurance Program.
Top-Rated Home Insurance Companies in Pennsylvania: FAQ
These are common questions about choosing a Pennsylvania home insurance provider that fits your needs.
Standard homeowners insurance in Pennsylvania doesn't cover flooding, which requires separate flood insurance through your insurer or the National Flood Insurance Program.
Pennsylvania homeowners pay an average of $2,195 annually for home insurance, which is 37% less than the national average of $3,467. This below-average cost makes Pennsylvania one of the more affordable states for homeowners insurance coverage.
Replacement cost coverage pays the full amount to rebuild your home or replace belongings at current market prices without factoring in depreciation. Actual cash value coverage deducts depreciation based on your property's age and condition, resulting in lower claim payouts. While actual cash value policies cost less upfront, you'll pay more out of pocket when filing a claim.
Most Pennsylvania home insurance policies exclude sinkhole damage from standard coverage. However, Pennsylvania law requires insurers to offer sinkhole coverage as an optional endorsement that homeowners can purchase separately. Areas like Chester, Bucks and Montgomery counties face higher sinkhole risks due to geological conditions. Review your policy exclusions carefully and consider adding this optional coverage, especially if you live in these susceptible regions.
Our Methodology: Determining the Best Pennsylvania Home Insurers
Pennsylvania homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.
We scored insurers across three factors:
Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.
Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.
Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Pennsylvania's risks.
Our Sample Profile
Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.
Your rates will vary based on your home's age, location, claims history and credit score.
About Mark Fitzpatrick
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- FEMA. "Federal Emergency Management Agency." Accessed September 17, 2026.