Whether you’re looking for a company with high claims satisfaction, one with lots of coverage options, or the cheapest rates, we rounded up the best home insurance companies in Pennsylvania.
Check out the best homeowners insurance companies in Pennsylvania in 2024
According to our analysis, State Farm, Erie, Nationwide, Farmers, and Allstate are the best homeowners insurance companies in Pennsylvania.
Policygenius analyzed thousands of quotes from the largest Pennsylvania insurers to find the average cost of homeowners insurance at each company. We then looked at J.D. Power customer satisfaction scores and compared that with the coverage needs of the state's residents to find the best homeowners insurance in Pennsylvania.
Company | Best for... | Average monthly cost | Policygenius rating |
|---|---|---|---|
Overall | $93 | 4.8 out of 5 | |
Short-term rental coverage | $69 | 4.5 out of 5 | |
Coverage options | $104 | 4.5 out of 5 | |
Claims satisfaction | $94 | 4.5 out of 5 | |
Cheap coverage | $64 | 4.4 out of 5 |
Methodology and 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.
Best overall: State Farm
2024 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is the top overall home insurance company in Pennsylvania thanks to its large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
High customer satisfaction and financial strength ratings
Top-tier coverage add-ons, including extended replacement cost coverage
Offers large discounts when you bundle your home and auto insurance
Cons
20% more complaints filed with the NAIC than other companies of its size
No discounts for first-time homebuyers
More details
Why State Farm is the best overall company in Pennsylvania
While the cost of home insurance from State Farm is about average in Pennsylvania, we still think it's the best overall company in the state.
We like State Farm's robust coverage options, including extended replacement cost coverage, water backup protection, appliance coverage, inflation guard, and others.
State Farm is also known for its dependable customer service — from shopping and setting up your policy, to making changes to your coverage, to filing a claim.
Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.
How do State Farm home insurance rates compare to the Pennsylvania average?
The average cost of State Farm home insurance in Pennsylvania is $1,119 per year, which is just 2% higher than the average annual premium in Pennsylvania of $1,101 per year.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Best for short-term rental coverage: Erie
2024 Policygenius award winner
Erie
4.5
Mobile app
Bundle home & auto
Why we chose it
Erie's wide range of coverage options, industry-best customer service ratings, and affordable rates make it one of the best home insurance options in the country.
Pros and cons
Pros
Cheap rates
Guaranteed replacement cost comes standard on Erie policies
Excellent customer service and claims satisfaction ratings
Cons
Only available in 12 states
Just three available discounts
Can’t get quotes or file claims online
More details
Why we chose Erie
Home insurance policies from Erie come standard with guaranteed replacement cost coverage — which you often have to pay extra for at other companies. A basic policy also covers lost and misplaced items, jewelry, and gift cards to closed businesses.
Erie also offers a range of add-ons that you can purchase, like short-term rental coverage, equipment breakdown coverage, water backup protection, underground service line coverage, and more.
How do Erie home insurance rates compare to the average in Pennsylvania?
The average cost of Erie home insurance in Pennsylvania is $822 per year, which is 25% cheaper than the average annual premium in Pennsylvania of $1,101 per year.
How to get a quote
Online through Erie
Best for claims satisfaction: Farmers
2024 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is one of the best home insurance companies in Pennsylvania for combining high claims satisfaction scores with a range of coverage add-ons and discounts.
Pros and cons
Pros
High claims satisfaction score
Receives few complaints from policyholders
Optional extended or guaranteed replacement cost dwelling coverage
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Farmers also receives fewer complaints than average, according to the National Association of Insurance Commissioners.
You can add some impressive coverages to a basic Farmers home insurance policy, like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Depending on where you live, you could save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.
Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.
How do Farmers home insurance rates compare to the average in Pennsylvania?
The average cost of Farmers home insurance in Pennsylvania is $1,130 per year, which is just 3% more expensive than the average annual premium of $1,101 per year.
How to get a quote
Online through Farmers
Best for coverage options: Nationwide
2024 Policygenius award winner
Nationwide
4.5
Bundle home & auto
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Nationwide's home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, which means you can rely on Nationwide when it matters most.
Pros and cons
Pros
Multiple high-quality coverage options
Highly rated for claims satisfaction with J.D. Power
Cons
Below-average customer satisfaction and digital experience ratings
Rates are more expensive than average
More details
Why we chose Nationwide
Nationwide offers a large selection of coverage add-ons. Some of these include guaranteed and extended replacement cost coverage, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.
Nationwide has also received high ratings from J.D. Power for its claims satisfaction, and it ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. The company also receives far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.
How do Nationwide home insurance rates compare to the Pennsylvania average?
The average cost of Nationwide home insurance in Pennsylvania is $1,246 per year, which is around 13% higher than the annual statewide average of $1,101.
How to get a quote
Online through Policygenius or Nationwide
Best for cheap coverage: Allstate
2024 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a standout option. Airbnb hosts may also like Allstate thanks to HostAdvantage — its affordable short-term rental coverage that can be easily added to any policy.
Pros and cons
Pros
Offers some of the lowest rates in the state
Large list of discounts
A+ credit rating with A.M. Best
Cons
Beginning to pull back coverage in high-risk areas
Customer experience scores with J.D. Power are below the segment average
More details
Why we chose Allstate
Allstate's lower-than-average premiums, high customer satisfaction ratings, and excellent coverage options make it one of the top choices for homeowners insurance in Pennsylvania.
Allstate also offers a few discounts that will be easy for many people to qualify for, like discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires.
How do Allstate home insurance rates compare to the Pennsylvania average?
The average annual cost of an Allstate home insurance policy in Pennsylvania is $771 per year, 30% cheaper than the statewide average of $1,101 per year.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
