Best Homeowners Insurance in Pennsylvania

Pennsylvania's best home insurance companies are Erie, State Farm, Nationwide, Chubb and Allstate. Nationwide ranks first for coverage options, State Farm leads in affordability, and Erie excels in customer service. Compare all our top picks:

*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 specific profile. The tables below use the same methodology.

Our rankings reflect the best overall providers, but what's best for you may differ based on your home type or personal needs. We highlight the top insurers across major categories:

Home insurance provider rankings in Pennsylvania cities vary widely based on policy affordability, local customer service and available add-on coverage options. Erie ranks best in Allentown and Lancaster, while also topping the list in Philadelphia and Pittsburgh. The top overall options for each city:

Here are the leading home insurance providers in Pennsylvania, where affordability, customer service, and coverage options are evaluated to guide your choice.

State Farm is the most cost-effective home insurance option. The company has strong customer service performance, earning above-national-average ratings with seventh place for customer satisfaction and eighth place for claims satisfaction in J.D. Power rankings. Beyond competitive pricing, State Farm offers specialized coverage options, including underground utility protection and extended replacement cost reimbursement that helps account for rising repair expenses.

As our best overall option, Erie has the best mix of low-cost policies, coverage options and a great customer service reputation. Erie's customer satisfaction was the highest in our study, earning a fourth-place spot for overall satisfaction and third for claims satisfaction according to J.D. Power. The company ranks fourth for affordability and offers 100% guaranteed replacement cost and valuables coverage.

Nationwide is best for affordability when it comes to home insurance for Pennsylvania's new homeowners. The insurer provides comprehensive protection enhanced by distinctive coverage features, such as improved roof replacement benefits and the ability to double dwelling coverage limits. Nationwide has solid customer service results with an eighth-place overall ranking and fifth-place position in claims satisfaction based on J.D. Power evaluations.

We've put together a step-by-step guide to help you find the coverage that fits your needs.

Erie, State Farm and Nationwide are the best homeowners insurance providers in Pennsylvania. These are strong recommendations, but researching and comparing options helps you find the best fit for your needs.

Our FAQ section provides answers on choosing the best home insurance provider in Pennsylvania.

Pennsylvania homeowners need coverage that protects against the state's specific risks. Pittsburgh and Philadelphia face urban property crime and aging infrastructure. The Poconos and Laurel Highlands deal with winter storm damage and wildfire risk. Eastern Pennsylvania sees flooding from coastal storms. We designed our analysis to help Pennsylvania homeowners find affordable coverage that addresses these regional challenges.

We rated the best homeowners insurance providers in Pennsylvania by analyzing rates, customer service and coverage options across the state's diverse housing market, from historic Philadelphia rowhomes to Pittsburgh's older construction to newer suburban developments in the Lehigh Valley.

Our scoring approach

Affordability drove 55% of our score because Pennsylvania home insurance costs vary dramatically by location and home age. Providers scored higher if they offered competitive rates across various factors including dwelling coverage, deductible levels and homeowner profiles. We also evaluated discount availability (bundling, security systems and claims-free histories) because Pennsylvania homeowners need every opportunity to reduce premiums.

Customer satisfaction accounted for 30%. You need an insurer that handles claims well when a winter storm damages your roof or a burst pipe floods your basement. Scores came from Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling. Erie consistently ranked highest for Pennsylvania customer service.

Coverage options made up 15% because Pennsylvania homes face diverse risks. We assessed the number of add-on options, unique features and state availability. Options like underground utility protection, sewer backup coverage and guaranteed replacement cost matter for Pennsylvania's mix of older homes with aging systems and newer construction in high-fire-risk areas.