Pennsylvania Home Insurance
Pennsylvania's average cost, dominant risk, and a free replacement-cost estimate — no signup, no quote spam.
Avg. annual premium
$1,200/yr
Dominant risk
Wind, flood & winter storm
Hazard tier
low
Estimate your Pennsylvania home insurance
Estimated annual home insurance
$1,365
Dwelling = sqft × rebuild cost. Doesn't include flood (NFIP) or earthquake (separate policies).
Pennsylvania home insurance: what to know
Pennsylvania keeps premiums well below average, with wind, river flooding, and winter weather the main perils.
Even in a lower-hazard state like Pennsylvania, standard policies exclude flood and earthquake — check whether your specific location needs either, and insure your home to full replacement cost rather than market value.
Pennsylvania home insurance FAQ
How much does home insurance cost in Pennsylvania?
Homeowners insurance in Pennsylvania averages roughly $1,200 per year, but your rate depends heavily on your home's rebuild cost, construction, claims history, and ZIP code. Use the estimator above and always compare at least three carriers.
What is the biggest home insurance risk in Pennsylvania?
The dominant natural risk in Pennsylvania is wind, flood & winter storm. Pennsylvania keeps premiums well below average, with wind, river flooding, and winter weather the main perils.
Does Pennsylvania home insurance cover floods and earthquakes?
No. Standard homeowners policies in Pennsylvania — like everywhere in the U.S. — exclude flood and earthquake damage. Flood coverage comes from a separate NFIP or private flood policy, and earthquake coverage requires a separate policy or endorsement.
How can I lower my home insurance in Pennsylvania?
Compare at least three carriers, bundle home and auto, and raise your deductible if you can cover it. Discounts for a new roof, security and water-leak sensors, and a claims-free history add up. Always insure to full replacement cost — under-insuring to save a few dollars backfires at claim time.