How much is homeowners insurance in Pennsylvania?
The average cost of homeowners insurance in Pennsylvania is $92 per month or $1,101 per year for $300,000 in dwelling coverage, which is the coverage that protects your actual house.
However, our latest analysis of internal policyholder data shows that after renewal, home insurance premiums in Pennsylvania went up 19% from May 2022 to May 2023. Rising rates are common across the entire home insurance industry right now, due in large part to increasing natural disasters and higher repair costs for insurers.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Pennsylvania home insurance rates by city
Among Pennsylvania’s 20 largest cities, Lancaster, Harrisburg, and York have the cheapest home insurance rates on average. The average premium in Lancaster, which has the cheapest rates in Pennsylvania, is 9% cheaper than the statewide average.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Philadelphia | $138 | $1,654 | 50% |
Pittsburgh | $95 | $1,138 | 3% |
Allentown | $88 | $1,051 | -5% |
Reading | $90 | $1,075 | -2% |
Erie | $95 | $1,144 | 4% |
Bethlehem | $91 | $1,089 | -1% |
Scranton | $92 | $1,109 | 1% |
Lancaster | $83 | $997 | -9% |
Harrisburg | $84 | $1,008 | -8% |
York | $86 | $1,033 | -6% |
Wilkes-Barre | $91 | $1,089 | -1% |
Altoona | $96 | $1,152 | 5% |
Chester | $111 | $1,333 | 21% |
Bethel Park | $90 | $1,080 | -2% |
Easton | $88 | $1,052 | -4% |
Hazleton | $94 | $1,132 | 3% |
Monroeville | $89 | $1,073 | -3% |
Williamsport | $94 | $1,123 | 2% |
Lebanon | $90 | $1,083 | -2% |
New Castle | $90 | $1,082 | -2% |
Pennsylvania home insurance rates by coverage amount
One of the most important (and expensive) parts of your home insurance policy is your dwelling coverage. Your policy’s dwelling coverage protects the physical structure of your home from covered hazards like windstorms (including tornadoes), hail and rain, and fires.
The amount of dwelling coverage you need depends on the replacement cost of your home — not its market value. If you paid $600,000 for a home that would really only cost $400,000 to rebuild — you’d only need $400,000 in dwelling coverage.
Home insurance gets more expensive as you add more dwelling coverage to your policy. The most significant rate jump in Pennsylvania happens when you go from $400,000 to $500,000 in dwelling coverage — the cost difference between these two coverage levels is $346 per year.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $536 |
$200,000 | $819 |
$300,000 | $1,101 |
$400,000 | $1,395 |
$500,000 | $1,741 |
