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: January 18, 2026
Advertising & Editorial Disclosure
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, Chubb, State Farm and Farmers complete our top five, each bringing distinct strengths from military-focused service to premium coverage quality and local agent networks.
Erie | 4.9 | $1,718 | Most Georgia homeowners |
USAA | 5.0 | $1,313 | Military families |
Chubb | 4.7 | $1,602 | Coverage quality |
State Farm | 4.6 | $1,413 | Local agent network |
Farmers | 4.4 | $1,885 | Specialized coverage |
*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 |
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 Strategically
Get quotes from at least three to five insurers. Premiums among Pennsylvania's top providers range from $1,313 to $1,885 per year. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.
Check Customer Satisfaction Metrics
Examine J.D. Power scores ranging from 631 to 737 among Pennsylvania's leading insurers, compared to the 642 industry average. Check complaint ratios through Pennsylvania's Insurance Department and read recent customer reviews focusing on claims experiences during the state's severe thunderstorm season rather than just policy purchase experiences.
Evaluate Coverage Needs
Base your coverage on replacement cost rather than market value, especially important in Pennsylvania, where construction costs surge after flooding and hail storms. Consider extended or guaranteed replacement cost options and review additional protections like flood insurance and wind/hail coverage that address your home's specific weather-related risks.
Match Service Preferences to Provider Strengths
Digital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Allstate and Erie offer strong local agent networks for face-to-face support. Match your preferences to avoid paying premium prices for services you won't actually use.
PENNSYLVANIA HOME INSURANCE RISKS
Pennsylvania faces flooding risk, with over 1,000 flood events occurring from 2010 to 2020 according to FEMA, ranking among the top states 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, but it doesn't cover flooding, which requires separate flood insurance coverage through your insurer or the National Flood Insurance Program.
Top-Rated Home Insurance Companies in Pennsylvania: FAQ
Explore our FAQ section for answers to common questions about selecting the right Pennsylvania home insurance provider for your needs.
Does home insurance cover damage from fallen trees in Pennyslvania?
Home insurance covers fallen tree damage when wind, lightning or other covered perils cause the tree to fall. Coverage excludes trees that fell due to rot or neglect. Your policy won't pay for tree removal unless the tree damaged a covered structure, and most insurers limit tree removal reimbursement to $500 to $1,000 per tree.
What's the difference between replacement cost and actual cash value 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.
Does home insurance cover sinkholes in Pennsyvlania?
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.
Can I get home insurance if I have a trampoline or swimming pool?
You can obtain home insurance with a trampoline or swimming pool, though insurers consider these features significant liability risks. Most companies will require safety measures like nets and padding for trampolines, plus fencing and self-closing gates for pools. Expect higher premiums or coverage exclusions, and some insurers may deny coverage entirely. Maintain at least $300,000 in liability coverage to protect against potential accidents.
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, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- FEMA. "Federal Emergency Management Agency." Accessed January 26, 2026.