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 below.

*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.

Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, 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. For instance, Erie ranks best in Allentown and Lancaster, while also topping the list in Philadelphia and Pittsburgh. We've outlined the top overall options for each city.

Explore 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 demonstrates strong performance in customer service, 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 distinguishes itself through 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. While the company ranks fourth for affordability, it has 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. Regarding customer service performance, Nationwide demonstrates solid results with an eighth-place overall ranking and an impressive 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. While these are strong recommendations, researching and comparing options can help you find the best fit for your needs.

Explore our FAQ section to find answers on choosing the best home insurance provider in Pennsylvania.

We rated the best homeowners insurance providers in Pennsylvania using this methodology:

• Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
• Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
• Coverage (15%): We assessed the number of add-on options, unique features and availability by state.