Pennsylvania Home Insurance Costs (2026)

Where is home insurance cheapest in Pennsylvania? Costs by city

For the same house, 14 of the 16 Pennsylvania cities with at least 3 ZIP codes in our data average within 15% of the state’s $224 a month. The two exceptions are in the Philadelphia area: Philadelphia at $347 and Levittown, in Bucks County, a small sample, at $311.

York, with 6 ZIP codes in our data, has the lowest city average for our sample home, $191 a month, and Philadelphia the highest, about 1.8 times as much for the identical house. Pittsburgh, with 37 ZIP codes, averages $194 a month ($2,331 a year), 13.2% below the state; Harrisburg averages $199, Lancaster $201 (a small sample) and Allentown $229.

Philadelphia, with 46 ZIP codes in our data, averages $347 a month ($4,165 a year) with all 5 insurers and $206 without Travelers. For more on the city itself, see our Philadelphia homeowners insurance costs.

Same sample home: average home insurance prices in 16 Pennsylvania cities (rates as of Aug. 31, 2026)

Each city covers the ZIP codes in our data with that city as their main mailing address; small sample means fewer than 5 ZIP codes.

All five of the highest-priced ZIP codes are in Philadelphia: 19140 ($391 a month), 19141 ($390), 19138 ($390), 19142 ($386) and 19126 ($383). Four of the five lowest are in Allegheny County: 15090 in Wexford ($173), 15101 in Allison Park ($173), 15024 in Cheswick ($177) and 15237 in Pittsburgh ($177); the fifth is State College’s 16803 ($176), in Centre County.

Same sample home by region of Pennsylvania (rates as of Aug. 31, 2026)

The five regions don’t overlap and together cover all 632 ZIP codes.

Southeast is Philadelphia, Bucks, Chester, Delaware and Montgomery counties; Northeast is Lackawanna, Luzerne, Lehigh, Northampton and 9 more counties; Northwest is Erie and 8 more; Central is Berks, Dauphin, Lancaster, York and 22 more; Southwest is Allegheny and 9 more.

What does a Pennsylvania homeowners policy cover?

The Pennsylvania Insurance Department describes a home policy as paying for damage to your house and attached structures and for damage to or theft of your belongings, and all six coverages below are inside the $2,685-a-year Pennsylvania average for our sample home.

• Dwelling ($300,000): the house itself, from the foundation to the roof.
• Other structures ($30,000): a detached garage, shed or fence.
• Personal property ($150,000): furniture, clothes and electronics.
• Loss of use ($30,000): a rental and other extra costs while repairs keep you out.
• Personal liability ($300,000): legal defense and damages if you’re responsible for someone’s injury or property damage.
• Medical payments ($5,000): smaller medical bills for a guest hurt at your home.

Say a kitchen fire does $25,000 of damage. With the $1,000 deductible we priced, the policy would pay up to $24,000. A standard policy has common exclusions, such as flood and earthquake, according to the department, and the state’s environmental agency says damage from mine subsidence usually isn’t covered either.

Homeowners insurance isn’t mandatory in Pennsylvania, but most banks and lenders require you to insure the home for at least the amount of the mortgage, according to the Pennsylvania Insurance Department.

What is the 80% rule?

The National Association of Insurance Commissioners, the group of state insurance regulators, says it’s important to insure your home for at least 80 percent of its replacement value, the cost to rebuild it. Many policies pay less on a claim if you insure for less, so check what yours says and keep the limit close to your rebuild cost.

What drives home insurance prices in Pennsylvania?

Pennsylvania’s middle-of-the-pack price for our sample home hides big differences inside the state. Our figures don’t separate causes, but these records show what Pennsylvania homes face.

Philadelphia costs the most to insure

For our sample home, Philadelphia’s 46 ZIP codes average $347 a month, 55.1% above the state, and the five southeastern counties together $281. Part of that is Travelers; without it, Philadelphia still averages $206 a month, 38.9% above the state’s $148 average without Travelers.

Flooding reaches every county

Flooding is Pennsylvania’s most common natural disaster, and all 67 counties have seen destructive flooding, according to the Pennsylvania Insurance Department. In September 2021, the remnants of Hurricane Ida dropped 5 to 10 inches of rain on much of eastern and south-central Pennsylvania, most of it in just over six hours, and 19 of the 52 stream gauges the U.S. Geological Survey studied set new record peaks, including the Schuylkill River at Philadelphia. Yet only about 1% of Pennsylvania households carry flood insurance, according to a Sept. 11, 2026, release from the Pennsylvania Emergency Management Agency and the Pennsylvania Insurance Department.

Old mines under some neighborhoods

Mine subsidence is the ground sinking into an abandoned coal or clay mine below a home. Homeowners policies usually don’t cover that damage, according to the Pennsylvania Department of Environmental Protection (DEP), which has sold separate Mine Subsidence Insurance since 1961. The DEP doesn’t list at-risk counties; it asks owners to check an address on its free mine subsidence risk map.

Winter freezes

Hard freezes are a Pennsylvania risk every winter. To help prevent frozen pipes, the state’s Ready PA guidance advises opening cabinet doors so warmer air reaches the plumbing, letting cold water drip at a trickle and keeping the thermostat at 55 degrees or higher. Ask your insurer how your policy handles freeze and ice damage.

Why the statewide average lands near the middle

Every region outside the southeast averages $196 to $217 a month for our sample home; the 169 southeastern ZIP codes, Philadelphia’s above all, lift the state average to $224.

How to find cheaper home insurance in Pennsylvania

No single insurer had the lowest average for our sample home in all five regions of Pennsylvania. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: statewide, insurers’ averages for our sample home were $403 a month apart, and the insurer with the lowest average changed by region.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and turn any percentage wind and hail deductible into dollars first (2% of $300,000 is $6,000).

Describe the house exactly: year built, roof, construction and any updates to the wiring, plumbing and heating, so every quote prices the same home.

Pair home and car with care: insuring your home and car with the same company can lower the price, and the Insurance Information Institute puts the usual discount at roughly 5% to 15%; see car + home before you decide.

Keep the coverage you need: a lower price that comes from a dwelling limit below your rebuild cost can cost you after a large claim (see the 80% rule).

Guard a clean record: our sample owner has no claims in 10 years, and a recent claim can raise a quote.

How much is renters insurance in Pennsylvania?

Renters insurance for our sample renter averages $25 a month ($297 a year) in Pennsylvania. For our sample renter, prices among the 5 insurers we compared ranged from $18 to $42 a month, a $24-a-month gap for the same coverage. State Farm and Erie had the lowest averages for our sample renter, at $18 and $20 a month, both priced in every Pennsylvania ZIP code.

Travelers’ renters average, $42 a month, is more than twice the others’; without it, Pennsylvania’s renters average would be $20 a month ($244 a year).

Pennsylvania’s renters average ranks 41st of the 51 places in our data (1 = lowest), 16.1% above their $21-a-month average. Our sample renter’s policy costs about 11% of what our sample home costs to insure in Pennsylvania.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Aug. 31, 2026, from 3,160 sample prices by 5 insurers across 632 Pennsylvania ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

For the same insurers and ZIP codes, the Pennsylvania renters average rose 2.2% over the past nine months, from $24 to $25 a month, as Erie’s renters average rose 7.9% and State Farm’s 7.1%. Philadelphia has the highest renters average of the 16 cities in our data, $35 a month, and the southeastern counties average $28.

Renters insurance averages by insurer in Pennsylvania for our sample renter (rates as of Aug. 31, 2026)

State Farm averaged $18 a month ($219 a year), Erie $20 ($236), Allstate $21 ($255), Liberty Mutual $22 ($266) and Travelers $42 ($509) for our sample renter.

What does renters insurance cover in a Pennsylvania apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire or burglary and up to $300,000 if you’re responsible for someone’s injury or property damage.

What is the average cost of renters insurance in Pennsylvania?

For our sample renter, it’s $25 a month ($297 a year), with rates as of Aug. 31, 2026. Without Travelers, the highest-priced of the 5 insurers by far, it would be $20 a month. By ZIP code, the yearly average runs from $244 in Carlisle’s 17013 to $500 in Philadelphia’s 19133.

How much is $100,000 of renters insurance in Pennsylvania?

We priced $40,000 of belongings, not $100,000. With $300,000 of liability and a $1,000 deductible, our sample renter’s policy averages $25 a month in Pennsylvania. A policy covering $100,000 of belongings would be priced differently, so get quotes for what it would cost to replace everything you own.

Does renters insurance cover flood damage in Pennsylvania?

No. Renters policies generally don’t cover flood. A renter can insure belongings with a separate federal flood insurance (NFIP) or private flood policy, and an NFIP policy usually starts 30 days after purchase. Flooding is Pennsylvania’s most common natural disaster, according to the Pennsylvania Insurance Department.

How we got these renters prices: each insurer’s average across all 632 Pennsylvania ZIP codes. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Pennsylvania

They’re two different examples (the house we priced and our 40-year-old driver), so they’re separate prices, not a bundle price.

The same insurer has to write both policies, the discount may apply to one policy or both, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See Pennsylvania car insurance rates · car insurance rates in Philadelphia · How bundling home and auto insurance works