The Best Homeowners Insurance Companies in Pennsylvania (2022)
Finding the best home insurance companies in Pennsylvania requires researching the insurer’s affordability, customer service ratings, claims experience and financial stability. MoneyGeek used these factors to rank the top providers in the state and found that, overall, Allstate is the best company. However, the right option for you depends on your specific needs.
MoneyGeek used its scoring system to evaluate the best home insurance in Pennsylvania for various types of homeowners. Additionally, we reviewed the available coverages and discounts offered by insurers to find the best fit for you.
Overall, Allstate is the best home insurer in Pennsylvania as well as for those on a budget. Chubb is the best for service quality, while State Farm is the best for expensive homes and bundling policies.
If you’re more concerned with savings than service quality, MoneyGeek also analyzed the cheapest home insurance companies in Pennsylvania.
The Best Homeowners Insurance in Pennsylvania
The Best Overall Homeowners Insurance Companies in Pennsylvania
Home insurance protects your house in the event of an emergency. To ensure you have the best insurer, MoneyGeek ranked the top providers in Pennsylvania based on affordability, claims experience, customer satisfaction and financial stability.
According to our rankings, the best home insurance companies in Pennsylvania are:
- Allstate: MoneyGeek score of 86 out of 100
- Farmers: MoneyGeek score of 83 out of 100
While USAA scored 97 out of 100, it was not included in our rankings since its policies are only available to military families.
MoneyGeek broke down why Allstate and Farmers scored highest, listing the unique coverages and discounts offered by both providers.
The Top Home Insurance Companies in Pennsylvania
Farmers ranked first in affordability and third in financial stability. However, its satisfaction rankings were a bit lower. Its policies cost roughly $855 per year in Pennsylvania. This insurer offers unique optional coverages, including energy efficiency upgrade coverage.
Farmers has rare coverages that you can add to your policy. For example, the insurer’s energy efficiency upgrade coverage will reimburse you up to $25,000 for the replacement of materials and appliances with more energy-efficient alternatives. Additionally, policyholders can receive discounts for being claims-free for five years or paying their bills on time.
Allstate is the best home insurance company in Pennsylvania. The insurer ranked second in affordability, stability and customer satisfaction. Its policies cost an average of $938 per year. Policyholders can get rare add-on coverages such as mold coverage.
Allstate has uncommon optional coverages, such as mold coverage. This protects your home against mold and fungus. You can also get energy efficiency upgrade coverage, which will replace your damaged appliances with more energy-efficient options. Additionally, you may receive discounts for having a good payment history or being a recent homebuyer.
MoneyGeek gathered insurance quotes from companies across the country and balanced them against property claims rating and customer satisfaction scores from J.D. Power. The ratings were then used to determine the best home insurance nationally and in Pennsylvania.
Your insurance costs and customer experience may vary depending on your circumstance. Review MoneyGeek’s methodology for more information.
The Best Homeowners Companies in Pennsylvania for Service Quality
Some homeowners prioritize service quality over affordability when shopping for home insurance. For these customers, MoneyGeek scored the top providers in Pennsylvania based entirely on customer satisfaction and claims experience.
The best home insurance companies in Pennsylvania for service quality are:
- Chubb: MoneyGeek score of 82 out of 100
- State Farm: MoneyGeek score of 81 out of 100
While USAA received a perfect score of 100, it was not included in our rankings since it is only available to military families.
MoneyGeek broke down why Chubb and State Farm scored highest for those who want the best possible customer service experience regardless of price.
The Top Home Insurance Companies in Pennsylvania for Quality Service
In terms of service quality, Chubb is the best home insurance company in Pennsylvania. It scored higher in claims ratings than satisfaction, which means it provides stellar customer service to its policyholders when they need to file a claim.
Chubb offers rare optional coverages. These include cash settlement and risk consulting coverage. The former gives you a cash settlement up to your policy limit if you choose not to rebuild your home or you rebuild in a new location after a total loss. The latter allows Chubb’s highly trained risk consultants to assess your home and ensure you’re fully protected.
State Farm received a higher score in satisfaction than claims ratings. This means that the insurer is regarded as having high-quality policy offerings and processes.
State Farm policyholders may purchase rare add-on coverages for extra protection. The company offers loss assessment coverage, which can cover a portion of your covered loss if you’re a member of a homeowners association (HOA). It also has mold coverage, which covers you up to $20,000 for mold damage.
The Best Homeowners Companies in Pennsylvania on a Budget
Price is usually the most important factor homeowners consider when shopping for home insurance. To help you find cheap options, MoneyGeek rated the top insurers in Pennsylvania for homeowners on a budget.
The best home insurance companies in Pennsylvania based on affordability are:
- Allstate: MoneyGeek score of 91 out of 100
- Farmers: MoneyGeek score of 91 out of 100
USAA was excluded from our rankings because it’s only available to active military members and veterans. It received a score of 94 out of 100, making it the best company for those with military backgrounds.
Allstate offers its policies at an average cost of $938 per year, while Farmers insurance costs roughly $855 per year.
MoneyGeek evaluated why Allstate scored highest for homeowners on a budget, noting the rare coverages and discounts offered by the insurer.
The Top Home Insurance Companies in Pennsylvania on a Budget
Home insurance coverage is at an affordable $938 per year
Discounts include automatic payment, new home and claims-free
No home renovation discount
Customer satisfaction rating of 3.96 out of 5
Allstate scored high in terms of affordability. Aside from cheap policies, the company also provides various discount opportunities. For example, you can get a discount for buying a newly constructed home. You can also save money when your home has theft or fire protection devices.
Furthermore, Allstate offers uncommon discounts for its policyholders. You can get a discount if you’re a recent homebuyer or you set up automatic payments. The company even has a Claim Rateguard that ensures your insurance premium won’t increase when you file a claim.
The Best Homeowners Companies in Pennsylvania for Expensive Homes
Typically, expensive homes require additional coverage. MoneyGeek scored the best home insurance companies in Pennsylvania for expensive homes by weighing the cost of a policy with $2 million in coverage against customer satisfaction.
Based on our ratings, the top insurance providers in Pennsylvania are:
- State Farm: MoneyGeek score of 84 out of 100
- Erie: MoneyGeek score of 83 out of 100
USAA received a score of 100 out of 100, making it the best option in Pennsylvania for expensive homes. However, it was excluded in our ranking since it’s only available to military families.
MoneyGeek analyzed why State Farm scored the highest and noted the insurer’s rare coverages that can help homeowners who require extra protection.
The Top Home Insurance Companies in Pennsylvania for High-Value Homes
Ranked fourth in affordability out of the eight companies evaluated
Customer satisfaction rating of 4.09 out of 5
No extended reimbursement and contents replacement cost coverages
State Farm received good scores for affordability and customer satisfaction. It offers relatively affordable prices for those with expensive homes.
Additionally, State Farm also has coverages that high-value homeowners would appreciate. For example, it offers scheduled personal property coverage. This extends coverage limits for your valuables, such as jewelry and furs, silverware and goldware, business property and firearms. Another rare coverage offered by State Farm is cyber event/ID theft coverage. This provides case management services and reimburses you if your identity is used to commit fraudulent crimes.
The Best Homeowners Companies in Pennsylvania for Veterans
If you have a military background, MoneyGeek rated the best home insurance companies in Pennsylvania for your profile. We determined that USAA is the top-rated provider in the state for military families, scoring 97 out of 100.
USAA tailors its insurance and service to current and former military members. Those who are eligible pay an average of $1,130 per year for a policy.
The Top Home Insurance Companies in Pennsylvania for Veterans
Coverage tailored to current and former military members
Customer satisfaction rating of 5 out of 5
MoneyGeek affordability score of 4.48 out of 5
Not available if you don’t have a military background
One noteworthy feature of USAA is that its policies have contents replacement cost coverage. This coverage replaces your personal belongings with no depreciation. The company also offers home rental coverage, which you can purchase to protect yourself when you’re renting out a room or your entire house.
To make your USAA policy even more affordable, you can get a discount by bundling your home and auto insurance. Additionally, you’ll be able to receive a discount if you have been claims-free for five years.
The Best Homeowners Companies in Pennsylvania for Bundling
Usually, it’s cheaper to bundle your home and auto insurance with the same company. However, you have to ensure that you’re getting the rates and service you want for both types of policies.
- State Farm: MoneyGeek score of 84 out of 100
- Travelers: MoneyGeek score of 78 out of 100
You can typically get a sizable discount if you bundle your insurance policies. It’s also easier to manage multiple policies if they are all overseen by one insurance company.
The Top Home Insurance Companies in Pennsylvania for Bundling
Auto insurance MoneyGeek score of 4.08 out of 5
26% bundling discount
Home insurance MoneyGeek score of 3.89 out of 5
While State Farm only scored 3.89 for home insurance, it received a high rating of 4.08 for car insurance. If you bundle your policies with this provider, you may get a 26% discount.
State Farm has unique add-on coverages that you can purchase for extra protection. One of them is vacancy coverage, which provides coverage for vandalism or glass breakage if your home has been empty for more than a month. Another coverage you may add to your policy is service line coverage. This protects you from the replacement costs of damaged exterior underground water and sewer piping, electrical service lines and data lines.
The company even offers rare optional coverages for your auto insurance policy. For example, rideshare assistance coverage can ensure that your medical, emergency roadside assistance and rental car reimbursement are in effect while you’re working for a rideshare company.
How to Find the Best Home Insurance in Pennsylvania
Affordability shouldn’t be your only consideration when shopping for the best home insurance in Pennsylvania. The insurer must also have a great service reputation and financial stability. MoneyGeek collected information to help take the guesswork out of finding the best insurers. However, you can still do your own research using the steps below.
Research Customer Service Reputations in Pennsylvania
To save you time, MoneyGeek collected information on the customer service reputations of insurance providers in Pennsylvania. That said, you can still look up J.D. Power satisfaction scores and NAIC complaint ratios in your state. Additionally, you can visit Pennsylvania’s Department of Insurance website for your research.
Compare Quotes for Yourself
MoneyGeek used average quotes for sample homeowners in Pennsylvania, so they may not be applicable to everyone. Gather and compare quotes from at least three companies to make sure you’re getting the policy that is best suited for your needs and circumstances.
Make Sure the Company Has Coverages You Want in Pennsylvania
Not all coverages and discounts offered by an insurer are available in every state. This is why it’s important to confirm with companies if they have the coverage that you need for your home insurance.
Double-Check Financial Stability Ratings
Financial strength is an important consideration when you’re reviewing home insurance companies. Companies that are financially stable can pay if you file a claim. Larger companies are usually financially stronger, while regional companies in Pennsylvania may have lower ratings.
FAQs About the Best Home Insurance in Pennsylvania
The best home insurance in Pennsylvania will be determined by your specific needs. To help you find the best options, MoneyGeek answered some frequently asked questions.
MoneyGeek scores for homeowners insurance in Pennsylvania were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in Pennsylvania that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across Pennsylvania. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About the Author