Best homeowners insurance in Pennsylvania (August 23)
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Are you looking for cheap Pennsylvania homeowners insurance? Our analysis of all major insurers in the state will provide you with the best rates for homeowners insurance in PA.
Key Takeaways
- Pennsylvania homeowners insurance costs around $934 annually.
- The rate of home insurance in PA starts at $507 for a year.
- Flooding is a major factor that damages homes in the state. So, ensure to have additional flood insurance coverage in your policy.
Pennsylvania homeowners insurance: what you need to know
The average cost of homeowners insurance in PA costs around $934 yearly. This rate is less than the average national rate, making it an affordable option for residents.
However, Pennsylvania has a four-season climate. As a result, residents can anticipate everything from winter storms to coastal weather events, which can seriously harm their homes. So, it is always safe to have homeowner insurance in Pennsylvania.
Homeowners insurance premiums in Pennsylvania vary according to the volume and cost of claims made under house policies and the cost of the property and possessions you cover. Continue reading to know more about the rates for different coverage levels and find the cheapest home insurance in Pennsylvania.
What does a homeowners insurance policy cover?
Dwelling, Personal Property, Liability, Other Structures, Medical Payments to Others, and Additional Living Expenses are just a few of typical home insurance policy coverages. However, you must always confirm whether the insurers offer these coverages before purchasing a PA home insurance. In addition, to strengthen the security of your house, you can purchase the additional coverages listed below.
- Flood insurance: You must buy flood insurance coverage separately, as standard policies don't cover it. FEMA's National Flood Insurance Program (NFIP) and a few commercial insurers provide flood insurance. It is necessary to have flood coverage if you reside in a high-risk flood zone.
- Sinkhole coverage: Pennsylvania is one of the six states most vulnerable to sinkholes. However, a typical house insurance policy does not provide coverage for the damage. Adding this coverage might save you thousands of dollars if a sinkhole damages your property.
- Replacement cost coverage: Selecting replacement cost coverage could give you enough protection to pay the current market price for a replacement part of lost or damaged personal property. In addition, if your home is damaged, you can be qualified for replacement cost coverage for the home's structure, which could assist in entirely covering reconstruction expenses.
- Coverage for water backup: Some standard house insurance policies already provide this coverage. However, you must buy this coverage if water backs up in a sewer or drain line and damages your house.
What isn't covered by a typical homeowners insurance policy?
Typically, home insurance policies don't cover floods, earthquakes, power outages, nuclear threats, sinkholes, insect and vermin infestations, war, wear, and tear, or purposeful loss. So, checking your homeowners insurance in PA before buying is better to ensure what coverages you get.
The cheapest home insurance companies in Pennsylvania
Residents will always look for the cheapest insurance company to insure their homes. With a yearly average rate of $855, Universal Insurance offers the most affordable homeowners insurance in SC. Safeco offers the next best insurance with an annual average rate of $1,365. Both these insurers offer rates less than the state average rate.
The following are the rates of the cheapest home insurers in Pennsylvania.
| Insurer | Average annual rate |
|---|---|
| Penn National | $507 |
| Truck | $547 |
| Safeco | $697 |
| Encompass | $806 |
| Erie | $867 |
Most insurers offer rates lower than the average cost of homeowners insurance in PA. Are you still looking for cheaper PA home insurance? Then, compare the quotes from all insurers or try using your insurer's discounts.
The best homeowners insurance in Pennsylvania for newer homes
The homeowners insurance rate for newer homes is less than for older ones. With a yearly average rate of $319, Erie offers the most affordable insurance for residents with newer homes.
| Insurer | Average annual rate |
|---|---|
| Erie | $319 |
| Cumberland Mutual | $366 |
| Allstate | $370 |
| Penn National | $384 |
| Farmers | $519 |
The best homeowners insurance in Pennsylvania for those with a claims history
It is fair to expect a slight rate increase if you submit a homeowners insurance claim at your next renewal. However, with a yearly average rate of $604, Cumberland Mutual offers the cheapest home insurance in Pennsylvania for residents with a claims history.
| Insurer | Average annual rate |
|---|---|
| Cumberland Mutual | $604 |
| Penn National | $681 |
| Farmers | $803 |
| Allstate | $816 |
| Westfield | $886 |
" Insurers view poor credit as a sign of risky behavior and a higher likelihood of making an insurance claim; thus, many charge higher insurance premiums. "
The best homeowners insurance in Pennsylvania for poor credit
Higher insurance rates may result from missed or late payments for credit cards, auto loans, and rent. Insurers view poor credit as a sign of risky behavior and a higher likelihood of making an insurance claim; thus, many charge higher insurance premiums.
Nationwide offers the most affordable home insurance rates in Pennsylvania for a homeowner with bad credit, with an average annual cost of $1,258.
| Insurer | Average annual rate |
|---|---|
| Nationwide | $1,258 |
| State Farm | $2,059 |
| Erie | $2,197 |
| Allstate | $3,057 |
| Travelers | $12,309 |
The best homeowners insurance in Pennsylvania for pool owners
Those with swimming pools pay more for home insurance. Some insurance providers view swimming pools as a risk, indicating a higher possibility of liability claims. With an average annual rate of $783, Allstate offers the cheapest insurance for homes with a swimming pool.
| Insurer | Average annual rate |
|---|---|
| Allstate | $783 |
| Erie | $941 |
| State Farm | $1,131 |
| Nationwide | $1,258 |
| Travelers | $5,446 |
The best homeowners insurance in Pennsylvania for dog owners
You can pay more for your homeowners insurance in PA if your insurer considers your dog a 'dangerous breed.' Some insurance companies charge higher premiums for specific breeds and may even refuse to cover you if you own one. Allstate has the most affordable home insurance rates in Pennsylvania for a house with a dangerous dog breed, with an average yearly charge of $783.
| Insurer | Average annual rate |
|---|---|
| Allstate | $783 |
| Erie | $834 |
| State Farm | $1,131 |
| Nationwide | $1,258 |
| Travelers | $4,952 |
Homeowners Insurance deductibles in Pennsylvania
Where to set the deductible is one of the many options for homeowners when purchasing an insurance policy. Your overall contribution to a covered loss is known as the deductible. Therefore, the location of your deductible might significantly impact the cost of your insurance.
When choosing a deductible, remember that your insurance rates will be cheaper the larger your deductible is. However, remember that your deductible shouldn't be too large such that you would find it difficult to pay in the event of a loss. These are some of the normal deductible levels and the average rate you must pay.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $847 |
| $1,000 | $772 |
| $1,500 | $722 |
| $2,000 | $667 |
| $5,000 | $564 |
Pennsylvania home insurance prices by coverage levels
The coverage level you choose determines the cost of your homeowners insurance in PA. Pennsylvania homeowners who insure their homes for $100,000 pay around $385 yearly, while those who insure their homes for $400,000 spend around $1,191.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $385 |
| $200,000 | $602 |
| $250,000 | $772 |
| $400,000 | $1,191 |
" Bundling your Home Insurance and Auto Insurance policies will help you save up to $173 yearly on PA home insurance rates. "
Pennsylvania Homeowners insurance costs by city
Different Pennsylvania cities have different costs for homeowners insurance. In addition, factors like the number of claims and crime rate in your neighborhood impact the cost of Pennsylvania homeowners insurance. The following are the cost of homeowners insurance in PA by city.
| City | Annual Average Rate |
|---|---|
| Aaronsburg | $732 |
| Abbottstown | $650 |
| Abington | $867 |
| Ackermanville | $700 |
| Acme | $707 |
| Acosta | $722 |
| Adah | $795 |
| Adamsburg | $719 |
| Adamstown | $686 |
| Adamsville | $823 |
| Addison | $745 |
| Adrian | $778 |
| Airville | $671 |
| Akron | $661 |
| Alba | $717 |
| Albion | $794 |
| Albrightsville | $779 |
| Alburtis | $671 |
| Aldan | $923 |
| Aleppo | $789 |
| Alexandria | $714 |
| Aliquippa | $726 |
| Allenport | $726 |
| Allensville | $716 |
| Allentown | $705 |
| Allenwood | $703 |
| Allison | $793 |
| Allison Park | $673 |
| Allport | $742 |
| Alsace Manor | $672 |
| Altamont | $762 |
| Altoona | $727 |
| Alum Bank | $719 |
| Alverda | $764 |
| Alverton | $709 |
| Amberson | $762 |
| Ambler | $847 |
| Ambridge | $725 |
| Amity | $729 |
| Amity Gardens | $677 |
| Analomink | $846 |
| Ancient Oaks | $665 |
| Andreas | $750 |
| Anita | $784 |
| Annville | $659 |
| Antes Fort | $799 |
| Apollo | $702 |
| Aquashicola | $724 |
| Arcadia | $771 |
| Archbald | $764 |
| Ardara | $746 |
| Ardmore | $870 |
| Arendtsville | $656 |
| Aristes | $768 |
| Arlington Heights | $748 |
| Armagh | $729 |
| Armbrust | $812 |
| Arnold | $697 |
| Arnot | $713 |
| Arona | $746 |
| Artemas | $752 |
| Ashfield | $829 |
| Ashland | $756 |
| Ashley | $716 |
| Ashville | $716 |
| Aspers | $657 |
| Aspinwall | $710 |
| Aston | $927 |
| Atglen | $760 |
| Athens | $704 |
| Atlantic | $843 |
| Atlasburg | $728 |
| Auburn | $741 |
| Audubon | $825 |
| Aultman | $749 |
| Austin | $749 |
| Avalon | $712 |
| Avella | $722 |
| Avis | $687 |
| Avoca | $737 |
| Avon | $665 |
| Avondale | $764 |
| Avonmore | $718 |
| Baden | $722 |
| Baidland | $742 |
| Bainbridge | $648 |
| Bairdford | $695 |
| Bakerstown | $686 |
| Bala Cynwyd | $908 |
| Baldwin | $730 |
| Bally | $677 |
| Bangor | $702 |
| Barnesville | $759 |
| Barto | $694 |
| Bartonsville | $762 |
| Bath | $687 |
| Bausman | $745 |
| Beach Haven | $754 |
| Beach Lake | $787 |
| Beallsville | $750 |
| Bear Creek Village | $757 |
| Bear Lake | $780 |
| Bear Rocks | $744 |
| Beaver | $751 |
| Beaver Falls | $758 |
| Beaver Meadows | $731 |
| Beaver Springs | $766 |
| Beaverdale | $690 |
| Beavertown | $770 |
| Beccaria | $750 |
| Bechtelsville | $670 |
| Bedford | $723 |
| Beech Creek | $695 |
| Beech Mountain Lakes | $711 |
| Belfast | $703 |
| Bell Acres | $695 |
| Belle Vernon | $760 |
| Bellefonte | $656 |
| Belleville | $715 |
| Bellevue | $706 |
| Bellwood | $727 |
| Belmont | $695 |
| Belsano | $815 |
| Ben Avon | $713 |
| Ben Avon Heights | $715 |
| Bendersville | $654 |
| Benezett | $744 |
| Bensalem | $1,015 |
| Bentleyville | $733 |
| Benton | $700 |
| Berlin | $719 |
| Bernville | $719 |
| Berrysburg | $718 |
| Berwick | $713 |
| Berwyn | $753 |
| Bessemer | $843 |
| Bethany | $772 |
| Bethel | $679 |
| Bethel Park | $693 |
| Bethlehem | $709 |
| Beyer | $854 |
| Big Bass Lake | $748 |
| Big Beaver | $763 |
| Big Cove Tannery | $751 |
| Big Run | $783 |
| Biglerville | $655 |
| Birchrunville | $758 |
| Birchwood Lakes | $747 |
| Bird-in-Hand | $664 |
| Birdsboro | $673 |
| Black Lick | $724 |
| Blain | $712 |
| Blairs Mills | $734 |
| Blairsville | $713 |
| Blakely | $759 |
| Blakeslee | $786 |
| Blanchard | $691 |
| Blandburg | $744 |
| Blandon | $669 |
| Blawnox | $682 |
| Bloomfield | $720 |
| Blooming Glen | $844 |
| Blooming Valley | $809 |
| Bloomsburg | $723 |
| Blossburg | $721 |
| Blue Ball | $673 |
| Blue Bell | $835 |
| Blue Ridge Summit | $652 |
| Boalsburg | $658 |
| Bobtown | $775 |
| Boiling Springs | $645 |
| Bolivar | $705 |
| Bonneauville | $645 |
| Boothwyn | $914 |
| Boston | $734 |
| Boswell | $719 |
| Bovard | $809 |
| Bowers | $685 |
| Bowmanstown | $747 |
| Bowmansville | $654 |
| Boyers | $771 |
| Boyertown | $673 |
| Boynton | $733 |
| Brackenridge | $692 |
| Brackney | $750 |
| Braddock | $729 |
| Braddock Hills | $763 |
| Bradenville | $708 |
| Bradford | $768 |
| Bradford Woods | $685 |
| Branchdale | $763 |
| Branchton | $768 |
| Brandamore | $771 |
| Brandy Camp | $748 |
| Brave | $796 |
| Breezewood | $732 |
| Breinigsville | $680 |
| Brentwood | $730 |
| Bressler | $686 |
| Briar Creek | $705 |
| Brickerville | $662 |
| Bridgeport | $843 |
| Bridgeville | $706 |
| Bridgewater | $748 |
| Brier Hill | $881 |
| Brisbin | $751 |
| Bristol | $1,022 |
| Brittany Farms-The Highlands | $773 |
| Broad Top | $725 |
| Brockport | $747 |
| Brockton | $771 |
| Brockway | $765 |
| Brodheadsville | $755 |
| Brogue | $661 |
| Brookhaven | $924 |
| Brookville | $764 |
| Broomall | $850 |
| Brownfield | $876 |
| Brownstown | $683 |
| Brownsville | $779 |
| Browntown | $726 |
| Bruin | $747 |
| Bryn Athyn | $918 |
| Bryn Mawr | $817 |
| Buck Hill Falls | $742 |
| Buena Vista | $757 |
| Buffalo Mills | $748 |
| Bulger | $717 |
| Bunola | $719 |
| Burgettstown | $727 |
| Burnham | $728 |
| Burnt Cabins | $738 |
| Bushkill | $758 |
| Butler | $731 |
| Byrnedale | $742 |
| Cabot | $695 |
| Cadogan | $769 |
| Cairnbrook | $729 |
| California | $738 |
| Callensburg | $780 |
| Callery | $705 |
| Callimont | $743 |
| Caln | $796 |
| Calumet | $709 |
| Calvin | $729 |
| Cambra | $748 |
| Cambridge Springs | $790 |
| Cammal | $710 |
| Camp Hill | $677 |
| Campbelltown | $660 |
| Camptown | $833 |
| Canadensis | $781 |
| Canonsburg | $705 |
| Canton | $716 |
| Carbondale | $777 |
| Cardale | $791 |
| Carlisle | $659 |
| Carlton | $795 |
| Carmichaels | $764 |
| Carnegie | $704 |
| Carnot-Moon | $697 |
| Carroll Valley | $645 |
| Carrolltown | $712 |
| Carversville | $798 |
| Cashtown | $757 |
| Cassandra | $687 |
| Cassville | $740 |
| Castanea | $700 |
| Castle Shannon | $707 |
| Catasauqua | $681 |
| Catawissa | $756 |
| Cecil-Bishop | $705 |
| Cedar Run | $713 |
| Cedars | $794 |
| Cementon | $701 |
| Center Valley | $708 |
| Centerport | $674 |
| Centerville | $798 |
| Central City | $728 |
| Centre Hall | $670 |
| Cetronia | $703 |
| Chadds Ford | $835 |
| Chalfant | $756 |
| Chalfont | $773 |
| Chalk Hill | $880 |
| Chambersburg | $657 |
| Chambersville | $721 |
| Champion | $754 |
| Chandlers Valley | $890 |
| Chapman | $685 |
| Charleroi | $738 |
| Cheltenham | $969 |
| Cherry Tree | $771 |
| Cherryville | $709 |
| Chest Springs | $698 |
| Chester | $969 |
| Chester Heights | $905 |
| Chester Hill | $743 |
| Chester Springs | $749 |
| Chesterbrook | $766 |
| Chestnut Ridge | $795 |
| Cheswick | $697 |
| Chevy Chase Heights | $725 |
| Cheyney | $852 |
| Chicora | $755 |
| Chinchilla | $742 |
| Christiana | $664 |
| Churchill | $751 |
| Churchville | $897 |
| Clairton | $746 |
| Clarence | $697 |
| Clarendon | $768 |
| Claridge | $712 |
| Clarington | $801 |
| Clarion | $765 |
| Clark | $789 |
| Clarks Mills | $809 |
| Clarks Summit | $741 |
| Clarksburg | $722 |
| Clarksville | $739 |
| Clay | $660 |
| Claysburg | $707 |
| Claysville | $724 |
| Clearfield | $756 |
| Clearville | $731 |
| Cleona | $658 |
| Clifton Heights | $913 |
| Clinton | $735 |
| Clintonville | $790 |
| Clune | $821 |
| Clymer | $738 |
| Coal Center | $738 |
| Coal Township | $781 |
| Coaldale | $758 |
| Coalport | $755 |
| Coatesville | $777 |
| Coburn | $727 |
| Cochranton | $797 |
| Cochranville | $771 |
| Cocolamus | $729 |
| Cogan Station | $693 |
| Cokeburg | $721 |
| Collegeville | $791 |
| Collingdale | $978 |
| Collinsburg | $736 |
| Colmar | $780 |
| Colonial Park | $702 |
| Colony Park | $648 |
| Columbia | $638 |
| Columbia Cross Roads | $707 |
| Columbus | $785 |
| Colver | $706 |
| Colwyn | $1,000 |
| Commodore | $769 |
| Conashaugh Lakes | $747 |
| Concord | $683 |
| Concordville | $937 |
| Conestoga | $673 |
| Confluence | $760 |
| Conneaut Lake | $821 |
| Conneaut Lakeshore | $821 |
| Conneautville | $831 |
| Connellsville | $793 |
| Conshohocken | $842 |
| Conway | $720 |
| Conyngham | $745 |
| Cooksburg | $802 |
| Coolspring | $781 |
| Coopersburg | $710 |
| Cooperstown | $802 |
| Coplay | $713 |
| Coral | $761 |
| Coraopolis | $699 |
| Cornwall | $652 |
| Cornwells Heights | $1,023 |
| Corry | $799 |
| Corsica | $777 |
| Coudersport | $744 |
| Coulters | $725 |
| Coupon | $691 |
| Courtdale | $719 |
| Covington | $726 |
| Cowansville | $778 |
| Crabtree | $714 |
| Crafton | $715 |
| Craley | $749 |
| Cranberry | $791 |
| Cranberry Township | $697 |
| Cranesville | $794 |
| Creamery | $798 |
| Creekside | $749 |
| Creighton | $705 |
| Crescent | $717 |
| Cresco | $767 |
| Cresson | $687 |
| Cressona | $754 |
| Crosby | $773 |
| Cross Fork | $752 |
| Cross Roads | $652 |
| Crown | $884 |
| Croydon | $1,034 |
| Crucible | $767 |
| Crum Lynne | $922 |
| Crystal Spring | $733 |
| Cuddy | $707 |
| Cumbola | $763 |
| Curllsville | $875 |
| Curryville | $707 |
| Curtisville | $703 |
| Curwensville | $747 |
| Custer City | $775 |
| Cyclone | $772 |
| Dagus Mines | $866 |
| Daisytown | $752 |
| Dale | $698 |
| Dallas | $738 |
| Dallastown | $649 |
| Dalmatia | $778 |
| Dalton | $756 |
| Damascus | $785 |
| Danboro | $845 |
| Danielsville | $724 |
| Danville | $735 |
| Darby | $993 |
| Darlington | $763 |
| Darragh | $715 |
| Dauberville | $656 |
| Dauphin | $724 |
| Davidsville | $695 |
| Dawson | $784 |
| Dayton | $779 |
| De Lancey | $789 |
| De Young | $783 |
| Deemston | $754 |
| Defiance | $723 |
| Delano | $749 |
| Delaware Water Gap | $754 |
| Delmont | $697 |
| Delta | $670 |
| Denbo | $765 |
| Denver | $664 |
| Derrick City | $763 |
| Derry | $692 |
| DeSales University | $705 |
| Devault | $759 |
| Devon | $754 |
| Dewart | $701 |
| Dickerson Run | $796 |
| Dickson City | $757 |
| Dilliner | $739 |
| Dillsburg | $652 |
| Dilltown | $736 |
| Dingmans Ferry | $748 |
| Distant | $761 |
| Dixonville | $746 |
| Donegal | $720 |
| Donora | $747 |
| Dormont | $747 |
| Dorneyville | $704 |
| Dornsife | $781 |
| Douglassville | $682 |
| Dover | $647 |
| Downingtown | $771 |
| Doylesburg | $677 |
| Doylestown | $775 |
| Dravosburg | $740 |
| Dresher | $844 |
| Drexel Hill | $895 |
| Drifting | $748 |
| Drifton | $732 |
| Driftwood | $763 |
| Drumore | $654 |
| Drums | $714 |
| Dry Run | $670 |
| Dublin | $753 |
| DuBois | $763 |
| Duboistown | $681 |
| Dudley | $716 |
| Duke Center | $768 |
| Dunbar | $785 |
| Duncannon | $710 |
| Duncansville | $700 |
| Dunlevy | $755 |
| Dunlo | $695 |
| Dunmore | $739 |
| Dupont | $739 |
| Duquesne | $749 |
| Duryea | $741 |
| Dushore | $711 |
| Dysart | $725 |
| Eagles Mere | $714 |
| Eagleview | $770 |
| Eagleville | $838 |
| Earlington | $855 |
| Earlston | $729 |
| Earlville | $684 |
| East Bangor | $705 |
| East Berlin | $663 |
| East Berwick | $725 |
| East Brady | $778 |
| East Butler | $746 |
| East Conemaugh | $700 |
| East Earl | $680 |
| East Freedom | $703 |
| East Greenville | $752 |
| East Hickory | $807 |
| East Lansdowne | $997 |
| East McKeesport | $735 |
| East Millsboro | $769 |
| East Petersburg | $666 |
| East Pittsburgh | $755 |
| East Prospect | $644 |
| East Rochester | $755 |
| East Side | $743 |
| East Smethport | $772 |
| East Smithfield | $712 |
| East Springfield | $797 |
| East Stroudsburg | $750 |
| East Texas | $811 |
| East Uniontown | $794 |
| East Vandergrift | $705 |
| East Washington | $718 |
| East Waterford | $736 |
| East York | $655 |
| Eastlawn Gardens | $707 |
| Easton | $717 |
| Eau Claire | $751 |
| Ebensburg | $712 |
| Ebervale | $818 |
| Economy | $719 |
| Eddington | $1,018 |
| Eddystone | $922 |
| Edgemont | $959 |
| Edgewood | $744 |
| Edgeworth | $696 |
| Edinboro | $797 |
| Edinburg | $843 |
| Edwardsville | $718 |
| Effort | $787 |
| Egypt | $701 |
| Ehrenfeld | $695 |
| Eighty Four | $713 |
| Elco | $749 |
| Elderton | $781 |
| Eldred | $773 |
| Elgin | $882 |
| Elim | $700 |
| Elizabeth | $741 |
| Elizabethtown | $636 |
| Elizabethville | $717 |
| Elkins Park | $982 |
| Elkland | $719 |
| Elliottsburg | $722 |
| Ellport | $795 |
| Ellsworth | $754 |
| Ellwood City | $780 |
| Elm | $785 |
| Elmora | $831 |
| Elrama | $753 |
| Elton | $705 |
| Elverson | $770 |
| Elysburg | $787 |
| Emeigh | $842 |
| Emerald Lakes | $764 |
| Emigsville | $651 |
| Emlenton | $787 |
| Emmaus | $701 |
| Emporium | $754 |
| Emsworth | $711 |
| Endeavor | $799 |
| Enhaut | $686 |
| Enola | $673 |
| Enon Valley | $832 |
| Entriken | $714 |
| Ephrata | $659 |
| Equinunk | $791 |
| Erie | $768 |
| Ernest | $752 |
| Erwinna | $784 |
| Espy | $724 |
| Essington | $933 |
| Etna | $704 |
| Etters | $663 |
| Evans City | $706 |
| Everett | $731 |
| Everson | $746 |
| Exeter | $720 |
| Export | $712 |
| Exton | $754 |
| Factoryville | $730 |
| Fairbank | $880 |
| Fairchance | $801 |
| Fairdale | $760 |
| Fairfield | $649 |
| Fairhope | $753 |
| Fairless Hills | $994 |
| Fairmount City | $779 |
| Fairview | $768 |
| Fairview Village | $820 |
| Fairview-Ferndale | $777 |
| Fallentimber | $709 |
| Falls | $746 |
| Falls Creek | $781 |
| Fannettsburg | $670 |
| Farmersville | $664 |
| Farmington | $816 |
| Farrell | $809 |
| Fawn Grove | $664 |
| Faxon | $675 |
| Fayette City | $765 |
| Fayetteville | $652 |
| Feasterville | $1,011 |
| Feasterville Trevose | $966 |
| Felton | $643 |
| Fenelton | $753 |
| Ferndale | $696 |
| Fernville | $714 |
| Fernway | $695 |
| Finleyville | $725 |
| Fisher | $871 |
| Fishertown | $726 |
| Fleetville | $755 |
| Fleetwood | $667 |
| Fleming | $770 |
| Flemington | $699 |
| Flicksville | $815 |
| Flinton | $716 |
| Flourtown | $901 |
| Flying Hills | $684 |
| Fogelsville | $681 |
| Folcroft | $947 |
| Folsom | $900 |
| Fombell | $755 |
| Forbes Road | $714 |
| Force | $777 |
| Ford City | $745 |
| Ford Cliff | $758 |
| Forest City | $754 |
| Forest Grove | $851 |
| Forest Hills | $758 |
| Forestville | $759 |
| Forksville | $711 |
| Fort Hill | $746 |
| Fort Littleton | $733 |
| Fort Loudon | $674 |
| Fort Washington | $878 |
| Forty Fort | $717 |
| Fountain Hill | $704 |
| Fountainville | $765 |
| Fox Chapel | $690 |
| Fox Chase | $669 |
| Fox Run | $694 |
| Foxburg | $779 |
| Frackville | $762 |
| Franklin | $790 |
| Franklin Park | $682 |
| Franklintown | $748 |
| Frederick | $784 |
| Fredericksburg | $761 |
| Fredericktown | $757 |
| Fredonia | $797 |
| Freeburg | $765 |
| Freedom | $734 |
| Freeland | $718 |
| Freemansburg | $713 |
| Freeport | $704 |
| Frenchville | $751 |
| Friedens | $725 |
| Friedensburg | $748 |
| Friendsville | $747 |
| Fryburg | $786 |
| Fullerton | $713 |
| Furlong | $801 |
| Gaines | $746 |
| Galeton | $739 |
| Gallitzin | $683 |
| Gans | $883 |
| Gap | $671 |
| Garards Fort | $774 |
| Garden View | $680 |
| Gardners | $660 |
| Garland | $803 |
| Garnet Valley | $920 |
| Garrett | $734 |
| Gastonville | $720 |
| Geigertown | $669 |
| Geistown | $694 |
| Genesee | $738 |
| Georgetown | $714 |
| Germansville | $701 |
| Gettysburg | $649 |
| Gibbon Glade | $775 |
| Gibsonia | $684 |
| Gifford | $774 |
| Gilbert | $761 |
| Gilberton | $768 |
| Gilbertsville | $774 |
| Gillett | $699 |
| Gipsy | $772 |
| Girard | $779 |
| Girardville | $762 |
| Gladwyne | $832 |
| Glasgow | $811 |
| Glassport | $733 |
| Glen Campbell | $779 |
| Glen Hope | $759 |
| Glen Lyon | $721 |
| Glen Mills | $900 |
| Glen Osborne | $698 |
| Glen Richey | $771 |
| Glen Riddle Lima | $938 |
| Glen Rock | $642 |
| Glenburn | $743 |
| Glenfield | $698 |
| Glenmoore | $742 |
| Glenolden | $928 |
| Glenshaw | $690 |
| Glenside | $937 |
| Glenville | $658 |
| Gold Key Lake | $744 |
| Goodville | $681 |
| Gordon | $753 |
| Gordonville | $631 |
| Gouldsboro | $750 |
| Gradyville | $945 |
| Grampian | $756 |
| Grand Valley | $818 |
| Grantham | $687 |
| Grantley | $651 |
| Grantville | $703 |
| Granville | $730 |
| Granville Summit | $721 |
| Grapeville | $712 |
| Grassflat | $754 |
| Gratz | $710 |
| Gray | $727 |
| Graysville | $769 |
| Grazierville | $716 |
| Great Bend | $750 |
| Greeley | $760 |
| Green Hills | $727 |
| Green Lane | $768 |
| Green Tree | $724 |
| Greencastle | $638 |
| Greenfields | $675 |
| Greenock | $734 |
| Greens Landing | $705 |
| Greensboro | $762 |
| Greensburg | $704 |
| Greentown | $758 |
| Greenville | $807 |
| Greenwood | $727 |
| Grier City | $754 |
| Grill | $685 |
| Grindstone | $780 |
| Grove City | $762 |
| Grover | $806 |
| Guilford | $652 |
| Guys Mills | $808 |
| Gwynedd | $820 |
| Gwynedd Valley | $829 |
| Hadley | $811 |
| Halfway House | $781 |
| Halifax | $719 |
| Hallam | $655 |
| Hallstead | $756 |
| Hamburg | $675 |
| Hamilton | $768 |
| Hampton | $640 |
| Hannastown | $705 |
| Hanover | $642 |
| Harborcreek | $759 |
| Harford | $737 |
| Harleigh | $746 |
| Harleysville | $776 |
| Harmonsburg | $844 |
| Harmony | $734 |
| Harrisburg | $701 |
| Harrison City | $705 |
| Harrison Valley | $740 |
| Harrisonville | $744 |
| Harrisville | $777 |
| Hartleton | $760 |
| Hartstown | $837 |
| Harveys Lake | $716 |
| Harwick | $708 |
| Hasson Heights | $772 |
| Hastings | $735 |
| Hatboro | $865 |
| Hatfield | $768 |
| Haverford | $830 |
| Haverford College | $832 |
| Havertown | $861 |
| Hawk Run | $763 |
| Hawley | $769 |
| Hawthorn | $741 |
| Haysville | $698 |
| Hazel Hurst | $781 |
| Hazleton | $745 |
| Hebron | $663 |
| Hegins | $764 |
| Heidelberg | $704 |
| Heilwood | $763 |
| Hellertown | $717 |
| Hemlock Farms | $765 |
| Hendersonville | $807 |
| Henryville | $766 |
| Hereford | $670 |
| Herman | $861 |
| Herminie | $739 |
| Hermitage | $794 |
| Herndon | $782 |
| Herrick Center | $751 |
| Hershey | $665 |
| Hesston | $722 |
| Hibbs | $792 |
| Hickory | $722 |
| Hickory Hills | $741 |
| Hidden Valley | $817 |
| Highland Park | $720 |
| Highspire | $685 |
| Hilldale | $721 |
| Hiller | $783 |
| Hilliards | $774 |
| Hillsdale | $859 |
| Hillsgrove | $714 |
| Hillsville | $855 |
| Hilltown | $766 |
| Hokendauqua | $706 |
| Holbrook | $783 |
| Holicong | $863 |
| Hollidaysburg | $694 |
| Hollsopple | $701 |
| Holmes | $909 |
| Holtwood | $648 |
| Home | $756 |
| Homeacre-Lyndora | $729 |
| Homer City | $711 |
| Homestead | $715 |
| Hometown | $744 |
| Honesdale | $770 |
| Honey Brook | $781 |
| Honey Grove | $750 |
| Hookstown | $734 |
| Hooversville | $735 |
| Hop Bottom | $749 |
| Hopeland | $744 |
| Hopewell | $734 |
| Hopwood | $804 |
| Horsham | $841 |
| Hostetter | $831 |
| Houserville | $665 |
| Houston | $713 |
| Houtzdale | $746 |
| Howard | $709 |
| Hudson | $720 |
| Hughestown | $729 |
| Hughesville | $680 |
| Hulmeville | $955 |
| Hummels Wharf | $753 |
| Hummelstown | $664 |
| Hunker | $707 |
| Hunlock Creek | $718 |
| Huntingdon | $705 |
| Huntingdon Valley | $925 |
| Huntington Mills | $723 |
| Hustontown | $736 |
| Hutchinson | $721 |
| Hyde | $801 |
| Hyde Park | $710 |
| Hydetown | $861 |
| Hyndman | $750 |
| Ickesburg | $723 |
| Idaville | $762 |
| Imler | $707 |
| Immaculata | $760 |
| Imperial | $710 |
| Indian Head | $762 |
| Indian Lake | $730 |
| Indian Mountain Lake | $786 |
| Indiana | $743 |
| Indianola | $700 |
| Industry | $753 |
| Ingomar | $784 |
| Ingram | $709 |
| Inkerman | $727 |
| Intercourse | $748 |
| Irvine | $754 |
| Irvona | $760 |
| Irwin | $742 |
| Isabella | $757 |
| Jackson | $744 |
| Jackson Center | $789 |
| Jacksonville | $806 |
| Jacksonwald | $663 |
| Jacobs Creek | $716 |
| Jacobus | $650 |
| James City | $812 |
| James Creek | $708 |
| Jamestown | $809 |
| Jamison | $800 |
| Jeannette | $701 |
| Jefferson | $769 |
| Jefferson Hills | $731 |
| Jenkintown | $887 |
| Jenners | $725 |
| Jennerstown | $724 |
| Jermyn | $766 |
| Jerome | $700 |
| Jersey Mills | $718 |
| Jersey Shore | $693 |
| Jessup | $737 |
| Jim Thorpe | $766 |
| Joffre | $722 |
| Johnsonburg | $765 |
| Johnstown | $702 |
| Jones Mills | $720 |
| Jonestown | $706 |
| Josephine | $735 |
| Julian | $669 |
| Junedale | $732 |
| Kane | $825 |
| Kantner | $731 |
| Karns City | $751 |
| Karthaus | $746 |
| Keisterville | $843 |
| Kelayres | $743 |
| Kelton | $834 |
| Kemblesville | $838 |
| Kempton | $683 |
| Kenhorst | $684 |
| Kenilworth | $766 |
| Kenmar | $677 |
| Kennerdell | $788 |
| Kennett Square | $735 |
| Kent | $741 |
| Kersey | $756 |
| Kimberton | $777 |
| King of Prussia | $838 |
| Kingsley | $736 |
| Kingston | $713 |
| Kintnersville | $783 |
| Kinzers | $647 |
| Kirkwood | $651 |
| Kittanning | $751 |
| Kleinfeltersville | $800 |
| Klingerstown | $752 |
| Knox | $785 |
| Knox Dale | $753 |
| Knoxville | $723 |
| Koppel | $770 |
| Kossuth | $790 |
| Kreamer | $723 |
| Kresgeville | $797 |
| Kulpmont | $745 |
| Kulpsville | $788 |
| Kunkletown | $776 |
| Kutztown | $688 |
| Kutztown University | $686 |
| Kylertown | $756 |
| La Belle | $774 |
| La Jose | $751 |
| Laceyville | $735 |
| Lackawaxen | $757 |
| Lafayette Hill | $903 |
| Laflin | $718 |
| Lahaska | $884 |
| Lairdsville | $705 |
| Lake Ariel | $769 |
| Lake City | $789 |
| Lake Como | $772 |
| Lake Harmony | $762 |
| Lake Lynn | $774 |
| Lake Meade | $662 |
| Lake Winola | $728 |
| Lake Wynonah | $739 |
| Lakemont | $730 |
| Lakeville | $776 |
| Lakewood | $776 |
| Lamartine | $867 |
| Lampeter | $655 |
| Lancaster | $637 |
| Landenberg | $753 |
| Landisburg | $711 |
| Landisville | $632 |
| Lanesboro | $752 |
| Langeloth | $725 |
| Langhorne | $963 |
| Langhorne Manor | $919 |
| Lansdale | $794 |
| Lansdowne | $998 |
| Lanse | $742 |
| Lansford | $770 |
| Larimer | $747 |
| Larksville | $711 |
| Latrobe | $700 |
| Lattimer | $736 |
| Lattimer Mines | $744 |
| Laughlintown | $712 |
| Laurel Run | $725 |
| Laureldale | $672 |
| Laurelton | $771 |
| Laurys Station | $703 |
| Lavelle | $755 |
| Lawn | $659 |
| Lawnton | $679 |
| Lawrence | $701 |
| Lawrence Park | $766 |
| Lawrenceville | $717 |
| Lawson Heights | $700 |
| Lawton | $761 |
| Le Raysville | $738 |
| Lebanon | $680 |
| Lebanon South | $666 |
| Leck Kill | $749 |
| Leckrone | $756 |
| Lecontes Mills | $753 |
| Lederach | $785 |
| Leechburg | $717 |
| Leeper | $795 |
| Leesport | $667 |
| Leetsdale | $704 |
| Lehigh Valley | $788 |
| Lehighton | $735 |
| Leisenring | $757 |
| Leith-Hatfield | $800 |
| Lemasters | $778 |
| Lemont | $660 |
| Lemont Furnace | $790 |
| Lemoyne | $675 |
| Lenhartsville | $679 |
| Lenni | $994 |
| Lenoxville | $758 |
| Leola | $632 |
| Level Green | $702 |
| Levittown | $1,021 |
| Lewis Run | $777 |
| Lewisberry | $670 |
| Lewisburg | $721 |
| Lewistown | $722 |
| Lewisville | $835 |
| Liberty | $727 |
| Lickingville | $786 |
| Lightstreet | $715 |
| Ligonier | $708 |
| Lilly | $685 |
| Lima | $883 |
| Lime Ridge | $724 |
| Limekiln | $663 |
| Limeport | $811 |
| Lincoln | $748 |
| Lincoln Park | $649 |
| Lincoln University | $768 |
| Linden | $695 |
| Line Lexington | $760 |
| Linesville | $839 |
| Linglestown | $717 |
| Linntown | $722 |
| Linwood | $924 |
| Lionville | $748 |
| Listie | $811 |
| Lititz | $655 |
| Little Meadows | $750 |
| Littlestown | $638 |
| Liverpool | $713 |
| Llewellyn | $760 |
| Lock Haven | $701 |
| Locust Gap | $747 |
| Locustdale | $754 |
| Loganton | $700 |
| Loganville | $641 |
| Long Branch | $739 |
| Long Pond | $768 |
| Lopez | $714 |
| Lorain | $697 |
| Lorane | $664 |
| Loretto | $691 |
| Lost Creek | $752 |
| Lowber | $726 |
| Lower Allen | $671 |
| Lower Burrell | $691 |
| Loyalhanna | $703 |
| Loysburg | $724 |
| Loysville | $726 |
| Lucernemines | $721 |
| Lucinda | $781 |
| Ludlow | $775 |
| Lumberville | $793 |
| Lurgan | $662 |
| Luthersburg | $789 |
| Luxor | $702 |
| Luzerne | $714 |
| Lykens | $712 |
| Lyndell | $851 |
| Lyndora | $756 |
| Lynnwood-Pricedale | $742 |
| Lyon Station | $678 |
| Mackeyville | $699 |
| Macungie | $665 |
| Madera | $750 |
| Madisonburg | $716 |
| Mahaffey | $790 |
| Mahanoy City | $766 |
| Mahanoy Plane | $771 |
| Mainesburg | $716 |
| Mainland | $785 |
| Malvern | $751 |
| Mammoth | $812 |
| Manchester | $647 |
| Manheim | $635 |
| Manns Choice | $722 |
| Manor | $720 |
| Manorville | $765 |
| Mansfield | $702 |
| Maple Glen | $835 |
| Mapleton | $719 |
| Mapleton Depot | $724 |
| Mar Lin | $758 |
| Marble | $788 |
| Marchand | $758 |
| Marcus Hook | $925 |
| Marianna | $732 |
| Marianne | $777 |
| Marienville | $797 |
| Marietta | $649 |
| Marion | $650 |
| Marion Center | $763 |
| Marion Heights | $754 |
| Markleton | $733 |
| Markleysburg | $795 |
| Marlin | $742 |
| Mars | $701 |
| Marshalls Creek | $861 |
| Marshallton | $776 |
| Marsteller | $748 |
| Martin | $758 |
| Martindale | $752 |
| Martins Creek | $692 |
| Martinsburg | $698 |
| Mary D | $762 |
| Marysville | $719 |
| Masontown | $786 |
| Masthope | $764 |
| Matamoras | $749 |
| Mather | $761 |
| Mattawana | $807 |
| Mayfield | $771 |
| Mayport | $770 |
| Maytown | $642 |
| Mc Alisterville | $734 |
| Mc Clellandtown | $792 |
| Mc Elhattan | $701 |
| Mc Ewensville | $704 |
| Mc Grann | $768 |
| Mc Intyre | $739 |
| Mc Kean | $784 |
| Mc Knightstown | $631 |
| Mc Veytown | $723 |
| McAdoo | $732 |
| McClure | $726 |
| McConnellsburg | $720 |
| McConnellstown | $697 |
| McDonald | $700 |
| McGovern | $710 |
| McKees Rocks | $706 |
| McKeesport | $738 |
| McMurray | $704 |
| McSherrystown | $654 |
| Meadow Lands | $723 |
| Meadowood | $729 |
| Meadville | $802 |
| Mechanicsburg | $669 |
| Mechanicsville | $783 |
| Media | $889 |
| Mehoopany | $747 |
| Melcroft | $769 |
| Mendenhall | $823 |
| Mentcle | $772 |
| Mercer | $773 |
| Mercersburg | $668 |
| Meridian | $727 |
| Merion Station | $931 |
| Merrittstown | $875 |
| Mertztown | $661 |
| Meshoppen | $765 |
| Messiah College | $680 |
| Mexico | $817 |
| Meyersdale | $742 |
| Middleburg | $738 |
| Middlebury Center | $729 |
| Middleport | $761 |
| Middletown | $679 |
| Midland | $769 |
| Midway | $674 |
| Mifflin | $741 |
| Mifflinburg | $735 |
| Mifflintown | $724 |
| Mifflinville | $762 |
| Milan | $710 |
| Milanville | $790 |
| Mildred | $710 |
| Milesburg | $705 |
| Milford | $739 |
| Milford Square | $844 |
| Mill Creek | $716 |
| Mill Hall | $686 |
| Mill Run | $804 |
| Mill Village | $789 |
| Millbourne | $1,001 |
| Millersburg | $719 |
| Millerstown | $709 |
| Millersville | $625 |
| Millerton | $712 |
| Millheim | $725 |
| Millmont | $764 |
| Millrift | $739 |
| Mills | $733 |
| Millsboro | $766 |
| Millvale | $706 |
| Millville | $708 |
| Milnesville | $747 |
| Milroy | $710 |
| Milton | $735 |
| Mineral Point | $699 |
| Mineral Springs | $775 |
| Minersville | $769 |
| Mingoville | $736 |
| Minisink Hills | $771 |
| Mocanaqua | $724 |
| Modena | $770 |
| Mohnton | $683 |
| Mohrsville | $659 |
| Monaca | $736 |
| Monessen | $733 |
| Monocacy Station | $656 |
| Monongahela | $740 |
| Monroeton | $719 |
| Monroeville | $718 |
| Mont Alto | $653 |
| Mont Clare | $816 |
| Montandon | $753 |
| Montgomery | $696 |
| Montgomeryville | $788 |
| Montoursville | $677 |
| Montrose | $737 |
| Montrose Manor | $684 |
| Moosic | $739 |
| Morann | $740 |
| Morgan | $710 |
| Morgantown | $669 |
| Morris | $726 |
| Morris Run | $709 |
| Morrisdale | $756 |
| Morrisville | $848 |
| Morton | $858 |
| Moscow | $744 |
| Moshannon | $700 |
| Mount Aetna | $682 |
| Mount Bethel | $690 |
| Mount Braddock | $873 |
| Mount Carmel | $762 |
| Mount Cobb | $772 |
| Mount Gretna | $655 |
| Mount Holly Springs | $656 |
| Mount Jewett | $809 |
| Mount Joy | $626 |
| Mount Morris | $777 |
| Mount Oliver | $746 |
| Mount Penn | $674 |
| Mount Pleasant | $720 |
| Mount Pleasant Mills | $767 |
| Mount Pocono | $770 |
| Mount Union | $720 |
| Mount Wolf | $655 |
| Mountain Top | $728 |
| Mountainhome | $764 |
| Mountville | $635 |
| Muhlenberg Park | $667 |
| Muir | $749 |
| Muncy | $678 |
| Muncy Valley | $711 |
| Mundys Corner | $696 |
| Munhall | $710 |
| Munson | $754 |
| Murrysville | $708 |
| Muse | $705 |
| Myerstown | $662 |
| Nanticoke | $721 |
| Nanty-Glo | $700 |
| Narberth | $953 |
| Narvon | $669 |
| Natrona Heights | $696 |
| Nazareth | $709 |
| Needmore | $742 |
| Neelyton | $734 |
| Neffs | $808 |
| Nelson | $725 |
| Nemacolin | $772 |
| Nescopeck | $718 |
| Nesquehoning | $752 |
| New Albany | $714 |
| New Alexandria | $698 |
| New Baltimore | $725 |
| New Beaver | $798 |
| New Bedford | $845 |
| New Berlin | $757 |
| New Berlinville | $674 |
| New Bethlehem | $763 |
| New Bloomfield | $728 |
| New Brighton | $759 |
| New Britain | $775 |
| New Buffalo | $716 |
| New Castle | $828 |
| New Castle Northwest | $817 |
| New Columbia | $746 |
| New Cumberland | $660 |
| New Derry | $703 |
| New Eagle | $741 |
| New Enterprise | $701 |
| New Florence | $708 |
| New Freedom | $656 |
| New Freeport | $794 |
| New Galilee | $766 |
| New Geneva | $882 |
| New Germantown | $816 |
| New Holland | $664 |
| New Hope | $797 |
| New Kensington | $696 |
| New Kingstown | $664 |
| New Milford | $729 |
| New Millport | $758 |
| New Oxford | $638 |
| New Paris | $724 |
| New Park | $675 |
| New Philadelphia | $766 |
| New Providence | $678 |
| New Ringgold | $727 |
| New Salem | $747 |
| New Stanton | $707 |
| New Tripoli | $689 |
| New Wilmington | $815 |
| Newburg | $661 |
| Newell | $768 |
| Newfoundland | $771 |
| Newmanstown | $650 |
| Newport | $715 |
| Newry | $710 |
| Newton Hamilton | $728 |
| Newtown | $856 |
| Newtown Grant | $858 |
| Newtown Square | $823 |
| Newville | $667 |
| Nicholson | $738 |
| Nicktown | $716 |
| Nineveh | $780 |
| Nixon | $729 |
| Normalville | $800 |
| Norristown | $837 |
| North Apollo | $721 |
| North Belle Vernon | $738 |
| North Bend | $722 |
| North Braddock | $720 |
| North Catasauqua | $686 |
| North Charleroi | $741 |
| North East | $758 |
| North Springfield | $817 |
| North Versailles | $744 |
| North Wales | $794 |
| North Warren | $742 |
| North Washington | $829 |
| North York | $650 |
| Northampton | $691 |
| Northern Cambria | $751 |
| Northpoint | $755 |
| Northumberland | $741 |
| Northwest Harborcreek | $758 |
| Norvelt | $708 |
| Norwood | $922 |
| Nottingham | $712 |
| Noxen | $743 |
| Nu Mine | $786 |
| Nuangola | $731 |
| Numidia | $847 |
| Nuremberg | $733 |
| Oak Hills | $732 |
| Oak Ridge | $771 |
| Oakdale | $702 |
| Oakland | $753 |
| Oakland Mills | $730 |
| Oakmont | $697 |
| Oaks | $800 |
| Oakwood | $825 |
| Oberlin | $688 |
| Ohiopyle | $806 |
| Ohioville | $757 |
| Oil City | $772 |
| Oklahoma | $730 |
| Olanta | $759 |
| Old Forge | $741 |
| Old Orchard | $714 |
| Old Zionsville | $784 |
| Oley | $664 |
| Oliveburg | $783 |
| Oliver | $796 |
| Olyphant | $760 |
| Ono | $658 |
| Orangeville | $692 |
| Orbisonia | $745 |
| Orchard Hills | $712 |
| Orefield | $680 |
| Oreland | $877 |
| Orrstown | $658 |
| Orrtanna | $655 |
| Orson | $861 |
| Orviston | $697 |
| Orwigsburg | $746 |
| Osceola | $726 |
| Osceola Mills | $753 |
| Osterburg | $726 |
| Ottsville | $755 |
| Oval | $695 |
| Oxford | $755 |
| Paint | $700 |
| Palm | $778 |
| Palmdale | $667 |
| Palmer Heights | $715 |
| Palmerton | $738 |
| Palmyra | $662 |
| Paoli | $746 |
| Paradise | $634 |
| Paris | $730 |
| Park Forest Village | $657 |
| Parker | $776 |
| Parker Ford | $774 |
| Parkesburg | $806 |
| Parkhill | $705 |
| Parkside | $952 |
| Parkville | $641 |
| Parryville | $737 |
| Patton | $729 |
| Paupack | $754 |
| Paxinos | $789 |
| Paxtang | $685 |
| Paxtonia | $715 |
| Paxtonville | $773 |
| Peach Bottom | $655 |
| Peach Glen | $669 |
| Peckville | $759 |
| Pen Argyl | $700 |
| Penbrook | $695 |
| Penfield | $750 |
| Penn | $737 |
| Penn Estates | $748 |
| Penn Run | $763 |
| Penn State Erie (Behrend) | $764 |
| Penn Wynne | $912 |
| Penndel | $955 |
| Penns Creek | $756 |
| Penns Park | $848 |
| Pennsburg | $786 |
| Pennsbury Village | $716 |
| Pennside | $669 |
| Pennsylvania Furnace | $669 |
| Pennville | $639 |
| Penryn | $755 |
| Pequea | $670 |
| Perkasie | $748 |
| Perkiomenville | $767 |
| Perryopolis | $778 |
| Petersburg | $703 |
| Petrolia | $764 |
| Philadelphia | $1,133 |
| Philipsburg | $719 |
| Phoenixville | $791 |
| Picture Rocks | $688 |
| Pillow | $722 |
| Pine Forge | $669 |
| Pine Grove | $751 |
| Pine Grove Mills | $664 |
| Pine Ridge | $754 |
| Pineville | $854 |
| Pipersville | $765 |
| Pitcairn | $742 |
| Pitman | $758 |
| Pittsburgh | $734 |
| Pittsfield | $777 |
| Pittston | $724 |
| Plains | $721 |
| Platea | $778 |
| Pleasant Gap | $656 |
| Pleasant Hall | $657 |
| Pleasant Hill | $667 |
| Pleasant Hills | $733 |
| Pleasant Mount | $775 |
| Pleasant Unity | $732 |
| Pleasant View | $737 |
| Pleasantville | $804 |
| Plum | $702 |
| Plumsteadville | $768 |
| Plumville | $764 |
| Plymouth | $702 |
| Plymouth Meeting | $904 |
| Plymptonville | $759 |
| Pocono Lake | $750 |
| Pocono Lake Preserve | $851 |
| Pocono Manor | $760 |
| Pocono Pines | $767 |
| Pocono Ranch Lands | $755 |
| Pocono Springs | $762 |
| Pocono Summit | $756 |
| Pocono Woodland Lakes | $743 |
| Point Marion | $771 |
| Point Pleasant | $844 |
| Polk | $805 |
| Pomeroy | $792 |
| Port Allegany | $773 |
| Port Carbon | $747 |
| Port Clinton | $719 |
| Port Matilda | $670 |
| Port Royal | $740 |
| Port Trevorton | $771 |
| Port Vue | $730 |
| Portage | $685 |
| Porters Sideling | $645 |
| Portersville | $773 |
| Portland | $701 |
| Pottersdale | $741 |
| Potts Grove | $754 |
| Pottsgrove | $785 |
| Pottstown | $773 |
| Pottsville | $743 |
| Poyntelle | $867 |
| Presto | $691 |
| Preston Park | $775 |
| Pricedale | $721 |
| Pringle | $717 |
| Progress | $690 |
| Prompton | $759 |
| Prospect | $764 |
| Prospect Park | $906 |
| Prosperity | $731 |
| Pulaski | $835 |
| Punxsutawney | $778 |
| Pymatuning Central | $830 |
| Pymatuning South | $819 |
| Quakake | $745 |
| Quakertown | $770 |
| Quarryville | $642 |
| Quecreek | $819 |
| Queen | $713 |
| Queens Gate | $648 |
| Quentin | $660 |
| Railroad | $646 |
| Ralston | $704 |
| Ramblewood | $667 |
| Ramey | $739 |
| Rankin | $727 |
| Ransom | $734 |
| Raubsville | $720 |
| Ravine | $747 |
| Reading | $674 |
| Reamstown | $673 |
| Rebersburg | $726 |
| Rebuck | $784 |
| Rector | $716 |
| Red Hill | $800 |
| Red Lion | $651 |
| Reeders | $758 |
| Reedsville | $720 |
| Refton | $751 |
| Rehrersburg | $673 |
| Reiffton | $657 |
| Reinerton | $784 |
| Reinholds | $687 |
| Renfrew | $716 |
| Rennerdale | $699 |
| Renningers | $739 |
| Reno | $794 |
| Renovo | $724 |
| Republic | $798 |
| Revere | $875 |
| Revloc | $702 |
| Rew | $768 |
| Rexmont | $756 |
| Reynolds Heights | $805 |
| Reynoldsville | $787 |
| Rheems | $640 |
| Rices Landing | $767 |
| Riceville | $832 |
| Richboro | $872 |
| Richeyville | $718 |
| Richfield | $774 |
| Richland | $665 |
| Richlandtown | $773 |
| Riddlesburg | $728 |
| Ridgway | $767 |
| Ridley Park | $917 |
| Riegelsville | $774 |
| Rillton | $745 |
| Rimersburg | $776 |
| Ringgold | $779 |
| Ringtown | $753 |
| Riverside | $750 |
| Riverview Park | $665 |
| Rixford | $762 |
| Roaring Branch | $725 |
| Roaring Spring | $693 |
| Robertsdale | $718 |
| Robesonia | $666 |
| Robinson | $713 |
| Rochester | $758 |
| Rochester Mills | $771 |
| Rock Glen | $737 |
| Rockhill | $738 |
| Rockhill Furnace | $742 |
| Rockledge | $901 |
| Rockton | $751 |
| Rockwood | $740 |
| Rogersville | $772 |
| Rome | $712 |
| Ronco | $785 |
| Ronks | $675 |
| Roscoe | $759 |
| Rose Valley | $904 |
| Roseto | $701 |
| Rossiter | $774 |
| Rosslyn Farms | $713 |
| Rossville | $754 |
| Rothsville | $656 |
| Roulette | $755 |
| Rouseville | $800 |
| Rouzerville | $646 |
| Rowland | $755 |
| Roxbury | $770 |
| Royalton | $664 |
| Royersford | $786 |
| Ruffs Dale | $709 |
| Rural Ridge | $737 |
| Rural Valley | $784 |
| Rushland | $869 |
| Russell | $758 |
| Russellton | $703 |
| Rutherford | $678 |
| Rutledge | $862 |
| Sabinsville | $731 |
| Sacramento | $760 |
| Sadsburyville | $797 |
| Saegertown | $813 |
| Sagamore | $786 |
| Saint Benedict | $749 |
| Saint Boniface | $802 |
| Saint Johns | $817 |
| Saint Michael | $788 |
| Saint Peters | $755 |
| Saint Thomas | $668 |
| Salfordville | $886 |
| Salina | $719 |
| Salisbury | $743 |
| Salix | $699 |
| Salladasburg | $697 |
| Salona | $697 |
| Saltillo | $742 |
| Saltsburg | $741 |
| Salunga | $632 |
| Sanatoga | $790 |
| Sand Hill | $698 |
| Sandy | $767 |
| Sandy Lake | $806 |
| Sandy Ridge | $718 |
| Sankertown | $688 |
| Sarver | $707 |
| Sassamansville | $779 |
| Saw Creek | $754 |
| Saxonburg | $713 |
| Saxton | $698 |
| Saylorsburg | $733 |
| Sayre | $705 |
| Scalp Level | $700 |
| Scenery Hill | $754 |
| Schaefferstown | $651 |
| Schellsburg | $718 |
| Schenley | $859 |
| Schlusser | $650 |
| Schnecksville | $685 |
| Schoeneck | $665 |
| Schuylkill Haven | $737 |
| Schwenksville | $778 |
| Sciota | $742 |
| Scotland | $654 |
| Scotrun | $762 |
| Scottdale | $722 |
| Scranton | $746 |
| Seanor | $710 |
| Selinsgrove | $746 |
| Sellersville | $751 |
| Seltzer | $743 |
| Seminole | $777 |
| Seneca | $781 |
| Seven Fields | $683 |
| Seven Valleys | $640 |
| Seward | $720 |
| Sewickley | $697 |
| Sewickley Heights | $692 |
| Sewickley Hills | $693 |
| Shade Gap | $732 |
| Shady Grove | $746 |
| Shamokin | $745 |
| Shamokin Dam | $767 |
| Shanksville | $734 |
| Shanor-Northvue | $728 |
| Sharon | $820 |
| Sharon Hill | $990 |
| Sharpsburg | $710 |
| Sharpsville | $814 |
| Shartlesville | $678 |
| Shavertown | $720 |
| Shawanese | $814 |
| Shawnee on Delaware | $756 |
| Shawville | $879 |
| Sheakleyville | $811 |
| Sheffield | $799 |
| Shelocta | $762 |
| Shenandoah | $768 |
| Sheppton | $748 |
| Shermans Dale | $709 |
| Shickshinny | $731 |
| Shillington | $678 |
| Shiloh | $645 |
| Shinglehouse | $770 |
| Shippensburg | $647 |
| Shippensburg University | $652 |
| Shippenville | $777 |
| Shippingport | $840 |
| Shiremanstown | $675 |
| Shirleysburg | $731 |
| Shoemakersville | $672 |
| Shohola | $766 |
| Shrewsbury | $647 |
| Shunk | $720 |
| Sidman | $696 |
| Sierra View | $788 |
| Sigel | $793 |
| Silkworth | $714 |
| Silverdale | $757 |
| Sinking Spring | $682 |
| Sinnamahoning | $756 |
| Sipesville | $813 |
| Six Mile Run | $728 |
| Skippack | $788 |
| Skyline View | $704 |
| Skytop | $744 |
| Slabtown | $768 |
| Slate Run | $800 |
| Slatedale | $684 |
| Slatington | $691 |
| Slickville | $710 |
| Sligo | $777 |
| Slippery Rock | $752 |
| Slippery Rock University | $745 |
| Slovan | $729 |
| Smethport | $773 |
| Smicksburg | $774 |
| Smithfield | $780 |
| Smithmill | $748 |
| Smithton | $741 |
| Smock | $801 |
| Smokerun | $758 |
| Smoketown | $675 |
| Snow Shoe | $689 |
| Snydersburg | $776 |
| Snydertown | $878 |
| Somerset | $733 |
| Soudersburg | $669 |
| Souderton | $763 |
| South Canaan | $779 |
| South Coatesville | $794 |
| South Connellsville | $802 |
| South Fork | $691 |
| South Gibson | $739 |
| South Greensburg | $703 |
| South Heights | $720 |
| South Montrose | $828 |
| South Mountain | $756 |
| South New Castle | $819 |
| South Park Township | $711 |
| South Philipsburg | $717 |
| South Pottstown | $768 |
| South Renovo | $716 |
| South Sterling | $768 |
| South Temple | $667 |
| South Uniontown | $799 |
| South Waverly | $707 |
| South Williamsport | $681 |
| Southampton | $920 |
| Southeastern | $847 |
| Southmont | $699 |
| Southview | $711 |
| Southwest | $711 |
| Southwest Greensburg | $701 |
| Spangler | $716 |
| Spartansburg | $829 |
| Speers | $742 |
| Spinnerstown | $764 |
| Spraggs | $782 |
| Sprankle Mills | $780 |
| Spring Church | $760 |
| Spring City | $772 |
| Spring Creek | $822 |
| Spring Glen | $753 |
| Spring Grove | $647 |
| Spring Hill | $687 |
| Spring House | $849 |
| Spring Mills | $702 |
| Spring Mount | $776 |
| Spring Ridge | $651 |
| Spring Run | $673 |
| Springboro | $823 |
| Springdale | $684 |
| Springfield | $871 |
| Springmont | $653 |
| Springs | $748 |
| Springtown | $728 |
| Springville | $750 |
| Sproul | $711 |
| Spruce Creek | $706 |
| Spry | $653 |
| St. Clair | $768 |
| St. Lawrence | $661 |
| St. Marys | $750 |
| St. Petersburg | $787 |
| St. Vincent College | $700 |
| Stahlstown | $711 |
| Star Junction | $786 |
| Starford | $774 |
| Starlight | $776 |
| Starrucca | $779 |
| State College | $661 |
| State Line | $634 |
| Steelton | $687 |
| Sterling | $753 |
| Stevens | $676 |
| Stevensville | $739 |
| Stewartstown | $652 |
| Stiles | $707 |
| Stillwater | $713 |
| Stockdale | $759 |
| Stockertown | $714 |
| Stoneboro | $808 |
| Stonerstown | $696 |
| Stony Creek Mills | $672 |
| Stonybrook | $653 |
| Stormstown | $665 |
| Stouchsburg | $665 |
| Stowe | $777 |
| Stoystown | $728 |
| Strabane | $717 |
| Strasburg | $672 |
| Strattanville | $777 |
| Strausstown | $679 |
| Strongstown | $732 |
| Stroudsburg | $751 |
| Stump Creek | $760 |
| Sturgeon | $708 |
| Sugar Grove | $779 |
| Sugar Notch | $721 |
| Sugar Run | $715 |
| Sugarcreek | $793 |
| Sugarloaf | $724 |
| Summerdale | $666 |
| Summerhill | $694 |
| Summerville | $778 |
| Summit Hill | $762 |
| Summit Station | $747 |
| Sumneytown | $893 |
| Sun Valley | $784 |
| Sunbury | $768 |
| Suplee | $880 |
| Susquehanna | $732 |
| Susquehanna Depot | $729 |
| Susquehanna Trails | $663 |
| Sutersville | $756 |
| Swarthmore | $859 |
| Swartzville | $662 |
| Sweet Valley | $704 |
| Swengel | $813 |
| Swiftwater | $765 |
| Swissvale | $725 |
| Swoyersville | $713 |
| Sybertsville | $737 |
| Sycamore | $766 |
| Sykesville | $789 |
| Sylvania | $812 |
| Tafton | $740 |
| Talmage | $782 |
| Tamaqua | $747 |
| Tamiment | $753 |
| Tannersville | $765 |
| Tarentum | $705 |
| Tarrs | $719 |
| Tatamy | $721 |
| Taylor | $744 |
| Taylorstown | $829 |
| Telford | $740 |
| Temple | $667 |
| Templeton | $779 |
| Terre Hill | $670 |
| The Hideout | $770 |
| Thomasville | $638 |
| Thompson | $753 |
| Thompsontown | $736 |
| Thompsonville | $692 |
| Thornburg | $718 |
| Thorndale | $768 |
| Thornton | $849 |
| Three Springs | $733 |
| Throop | $739 |
| Tidioute | $778 |
| Timblin | $770 |
| Tioga | $718 |
| Tiona | $773 |
| Tionesta | $801 |
| Tipton | $710 |
| Tire Hill | $798 |
| Titusville | $808 |
| Tobyhanna | $760 |
| Todd | $738 |
| Toftrees | $660 |
| Topton | $660 |
| Torrance | $763 |
| Toughkenamon | $759 |
| Towamensing Trails | $784 |
| Towanda | $702 |
| Tower City | $783 |
| Townville | $816 |
| Trafford | $697 |
| Trainer | $930 |
| Transfer | $802 |
| Trappe | $786 |
| Treasure Lake | $770 |
| Treichlers | $713 |
| Tremont | $754 |
| Tresckow | $733 |
| Trevorton | $800 |
| Trevose | $1,011 |
| Trexlertown | $678 |
| Trooper | $837 |
| Trout Run | $684 |
| Troutville | $790 |
| Troxelville | $779 |
| Troy | $715 |
| Trucksville | $719 |
| Trumbauersville | $749 |
| Tullytown | $1,016 |
| Tunkhannock | $756 |
| Turbotville | $768 |
| Turkey City | $876 |
| Turtle Creek | $738 |
| Turtlepoint | $769 |
| Tuscarora | $750 |
| Twin Rocks | $796 |
| Tyler Hill | $786 |
| Tyler Run | $647 |
| Tylersburg | $802 |
| Tylersport | $855 |
| Tyrone | $710 |
| Uledi | $786 |
| Ulster | $700 |
| Ulysses | $736 |
| Union City | $797 |
| Union Dale | $736 |
| Uniontown | $801 |
| Unionville | $818 |
| United | $720 |
| Unity House | $851 |
| Unityville | $703 |
| University of Pittsburgh Johnstown | $693 |
| University Park | $660 |
| Upland | $940 |
| Upper Black Eddy | $783 |
| Upper Darby | $980 |
| Upper St. Clair | $701 |
| Upperstrasburg | $661 |
| Ursina | $786 |
| Utica | $810 |
| Uwchland | $759 |
| Valencia | $698 |
| Valier | $771 |
| Valley Forge | $782 |
| Valley Green | $664 |
| Valley View | $725 |
| Van Voorhis | $822 |
| Vanderbilt | $782 |
| Vandergrift | $732 |
| Venango | $810 |
| Venetia | $707 |
| Venus | $800 |
| Verona | $699 |
| Versailles | $737 |
| Vestaburg | $737 |
| Vicksburg | $854 |
| Villa Maria | $841 |
| Village Green-Green Ridge | $923 |
| Village Shires | $920 |
| Villanova | $828 |
| Vinco | $703 |
| Vintondale | $707 |
| Virginville | $678 |
| Volant | $812 |
| Vowinckel | $801 |
| Wagner | $728 |
| Wagontown | $848 |
| Wall | $750 |
| Wallaceton | $758 |
| Wallingford | $914 |
| Walnut Bottom | $666 |
| Walnutport | $717 |
| Walston | $786 |
| Waltersburg | $787 |
| Wampum | $792 |
| Wapwallopen | $736 |
| Warfordsburg | $733 |
| Warminster | $864 |
| Warminster Heights | $867 |
| Warren | $737 |
| Warren Center | $720 |
| Warrendale | $691 |
| Warrington | $792 |
| Warrior Run | $716 |
| Warriors Mark | $680 |
| Washington | $721 |
| Washington Boro | $643 |
| Washington Crossing | $821 |
| Washingtonville | $759 |
| Waterfall | $743 |
| Waterford | $773 |
| Waterville | $700 |
| Watsontown | $702 |
| Wattsburg | $786 |
| Waverly | $736 |
| Waymart | $752 |
| Wayne | $802 |
| Waynesboro | $647 |
| Waynesburg | $762 |
| Weatherly | $737 |
| Webster | $727 |
| Weedville | $746 |
| Weigelstown | $642 |
| Weikert | $767 |
| Weissport East | $735 |
| Wellersburg | $745 |
| Wells Tannery | $747 |
| Wellsboro | $716 |
| Wellsville | $652 |
| Wendel | $834 |
| Wernersville | $691 |
| Wescosville | $684 |
| Wesleyville | $759 |
| West Alexander | $747 |
| West Brownsville | $761 |
| West Chester | $769 |
| West Conshohocken | $831 |
| West Decatur | $757 |
| West Easton | $720 |
| West Elizabeth | $723 |
| West Fairview | $676 |
| West Falls | $745 |
| West Finley | $757 |
| West Grove | $758 |
| West Hazleton | $743 |
| West Hickory | $769 |
| West Hills | $750 |
| West Homestead | $714 |
| West Kittanning | $749 |
| West Lawn | $653 |
| West Leechburg | $699 |
| West Leisenring | $772 |
| West Mayfield | $762 |
| West Middlesex | $810 |
| West Middletown | $735 |
| West Mifflin | $747 |
| West Milton | $763 |
| West Newton | $736 |
| West Pittsburg | $814 |
| West Pittston | $720 |
| West Point | $805 |
| West Reading | $662 |
| West Salisbury | $738 |
| West Springfield | $799 |
| West Sunbury | $768 |
| West View | $702 |
| West Willow | $747 |
| West Wyoming | $720 |
| West Wyomissing | $656 |
| West York | $648 |
| Westfield | $715 |
| Westland | $721 |
| Westmont | $699 |
| Westmoreland City | $742 |
| Weston | $741 |
| Westover | $781 |
| Westport | $724 |
| Westwood | $799 |
| Wexford | $678 |
| Wheatland | $814 |
| Whitaker | $724 |
| White | $786 |
| White Deer | $746 |
| White Haven | $741 |
| White Mills | $779 |
| White Oak | $747 |
| Whitehall | $727 |
| Whitfield | $668 |
| Whitney | $733 |
| Wickerham Manor-Fisher | $741 |
| Wickhaven | $786 |
| Wiconisco | $716 |
| Widnoon | $793 |
| Wilburton | $757 |
| Wilcox | $779 |
| Wildwood | $780 |
| Wilkes-Barre | $733 |
| Wilkinsburg | $756 |
| Williamsburg | $704 |
| Williamsport | $682 |
| Williamstown | $743 |
| Willow Grove | $839 |
| Willow Hill | $685 |
| Willow Street | $654 |
| Wilmerding | $767 |
| Wilmore | $782 |
| Wilson | $722 |
| Winburne | $752 |
| Wind Gap | $702 |
| Wind Ridge | $790 |
| Windber | $697 |
| Windsor | $654 |
| Winfield | $754 |
| Winterstown | $655 |
| Witmer | $659 |
| Wolfdale | $722 |
| Womelsdorf | $665 |
| Woodbourne | $981 |
| Woodbury | $706 |
| Woodland | $752 |
| Woodland Heights | $770 |
| Woodlyn | $897 |
| Woodside | $873 |
| Woodward | $703 |
| Woolrich | $792 |
| Wormleysburg | $677 |
| Worthington | $763 |
| Worthville | $780 |
| Woxall | $881 |
| Woxhall | $773 |
| Wrightsville | $648 |
| Wyalusing | $709 |
| Wyano | $744 |
| Wycombe | $807 |
| Wyncote | $951 |
| Wyndmoor | $937 |
| Wynnewood | $905 |
| Wyoming | $720 |
| Wyomissing | $652 |
| Wysox | $708 |
| Yardley | $868 |
| Yatesboro | $789 |
| Yatesville | $727 |
| Yeadon | $1,015 |
| Yeagertown | $724 |
| Yoe | $648 |
| York | $653 |
| York Haven | $648 |
| York New Salem | $745 |
| York Springs | $663 |
| Yorklyn | $653 |
| Youngstown | $733 |
| Youngsville | $767 |
| Youngwood | $698 |
| Yukon | $736 |
| Zelienople | $745 |
| Zieglerville | $785 |
| Zion | $667 |
| Zion Grove | $744 |
| Zionhill | $874 |
| Zionsville | $680 |
| Zullinger | $766 |
Home and auto insurance bundling in Pennsylvania
Bundling your house and auto insurance policies is a way by which you can decrease the cost of homeowner insurance in Pennsylvania. Bundling the policies will help you save around $173 yearly on PA home insurance rates.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $934 | $761 | $173 | 18.5% |
Home Insurance Discounts in Pennsylvania
Using the discounts offered by your insurer is the ideal way by which you can decrease the rate of homeowners insurance in PA. The following are the discounts offered by the various insurers in Pennsylvania.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Erie | ✓ | - | - | - | - | - |
| Lemonade | ✓ | ✓ | - | - | - | ✓ |
Comparing Common Features Across Top Companies
How can you find the best homeowners insurance in Pennsylvania? First, check whether your insurer offers the following features in your policy.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Erie | Optional | Optional | Optional | ✓ | ✓ |
| Lemonade | ✓ | Optional | Optional | ✓ | ✓ |
Common Causes of Home Insurance Claims in Pennsylvania
These are some causes that lead to home insurance claims in the state.
- Fires: Pennsylvania contains areas that are either forested or mountainous. Fires frequently happen during drier seasons of the year. Spring and autumn are the seasons where residents in wildfire-prone areas should exercise the most caution.
- Frozen pipes: Older homes and cold winters may cause pipes to freeze and burst. To help avoid damage, insulate pipes even with newspaper.
- Snowstorms: Pennsylvania experiences frequent heavy snowfall during the winter, with the possibility of blizzards and nor'easters. Roof damage from excessive snowfall might result in damage to the interior.
- Flooding: The aftermath of Hurricane Ida caused significant flooding in Pennsylvania in 2021. Heavy flooding might impact areas of the counties of Schuylkill, Lebanon, and Dauphin.
Does homeowners insurance cover flooding in Pennsylvania?
No. Typically, a homeowners insurance policy won't cover flooding-related damages. As a result, you need to get additional coverage to protect your home from floods. You can purchase coverage for it through the FEMA National Flood Insurance Program (NFIP) or a commercial insurer. NFIP offers the following coverage, but commercial flood insurers may offer different coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in Pennsylvania
Are you planning to buy homeowners insurance in PA? Then consider these factors before buying one.
- Your location: The crime rate in your neighborhood will impact how much you pay for homeowners insurance.
- Replacement cost: Your insurance premiums will change depending on the cost of labor and building materials in your area
- Age/condition: In Pennsylvania, newer homes are always less expensive to insure than older ones.
- Claims history: If you frequently submit claims, insurers can view you as a risk. If you file claims frequently in Pennsylvania, be prepared to pay a higher premium.
- Credit history: Most insurers will verify your credit score before getting a house insurance policy. Your premium charges will be greater if your credit score is low.
- Dog breed: Some insurance companies label some dog breeds 'dangerous.' In PA, having a dog that the insurance provider deems 'dangerous' will raise your homeowners insurance premium.
Tips for Buying Homeowners Insurance
Are you planning to buy the best homeowners insurance in Pennsylvania? Then follow these tips.
- Assess your rebuilding costs: Ask your insurance agent or a builder how much it may cost to rebuild your home with inexpensive materials and local labor.
- Review the advantage of replacement cost over actual cash value: Consider purchasing replacement cost insurance for your house and personal belongings.
- Consider add-on coverage for your expensive items: If you own expensive items like high-end gadgets, sporting equipment, musical instruments, or even antiques, personal property coverage can be required.
- Evaluate your liability coverage needs: Evaluate the limit of liability insurance you need.
- Assess coverage gaps: Some insurance providers offer higher limits for landscaping items like trees and bushes.
- Check financial ratings: Ratings for insurance from companies like AM Best and Standard & Poor's may be available for all home insurers. For instance, some companies won't let you qualify for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Ensure that you're using all the discounts offered by your insurance.
- Compare quotes from various insurance companies: The premiums for homeowners insurance in PA may differ between insurers. Therefore, you should compare prices from various insurers to receive the finest PA home insurance.
Most Common Disasters in Pennsylvania
Flooding and severe storms are the most common disasters in PA.
Disasters by month
According to FEMA, September, June, and August have been the busiest months in Pennsylvania for declared disasters.
| Month | Number of disasters |
|---|---|
| January | 5 |
| February | 2 |
| March | 7 |
| April | 2 |
| May | 1 |
| June | 9 |
| July | 5 |
| August | 9 |
| September | 14 |
| October | 4 |
| November | 2 |
| December | 2 |
Disasters by year
According to FEMA, Pennsylvanians deal with one declared disaster on average yearly. Unfortunately, 2001 was the year of the most declared disasters, with Hurricane Irene and Tropical Storm Lee leading to massive flooding.
| Year | Number of disasters |
|---|---|
| 2001 | 1 |
| 2002 | 0 |
| 2003 | 3 |
| 2004 | 3 |
| 2005 | 2 |
| 2006 | 1 |
| 2007 | 1 |
| 2008 | 0 |
| 2009 | 0 |
| 2010 | 1 |
| 2011 | 5 |
| 2012 | 1 |
| 2013 | 2 |
| 2014 | 1 |
| 2015 | 0 |
| 2016 | 2 |
| 2017 | 0 |
| 2018 | 1 |
| 2019 | 0 |
| 2020 | 2 |
How to Get Pennsylvania Home Insurance with Way.com
The rate of homeowners insurance in PA is below the national average rate. But are you still looking for cheaper PA home insurance? How can you get it?
That's where Way.com helps you. Use our website or app, compare the quotes from multiple insurers, and buy a homeowners insurance policy with the cheapest quote. In addition, our homeowners insurance agents in Pennsylvania can help you. They will help you understand the state's most complex home insurance rules, terms, discounts, and coverages. So, talk with our agents if you want to buy the best homeowners insurance in PA.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is homeowners insurance in PA?
On average, homeowners insurance in PA costs around $934 annually.
Is homeowners insurance mandatory in PA?
No. Although not required by Pennsylvania law, a mortgage lender may demand that you buy homeowners insurance in terms of your loan agreement.
Can my homeowners insurance company drop me if I have too many claims?
You can become a high-risk homeowner if you file too many claims. It implies to the insurer that you are more likely to submit claims in the future. Due to this, you can lose your insurance coverage and find it challenging to obtain another policy.
How much is homeowners insurance per month in Pennsylvania?
On average, Pennsylvania homeowners insurance costs $77 a month.
Does homeowners insurance cover snowstorms?
While your homeowners insurance policy normally covers snow damage, flooding damage would result from big pools of water, such as those created by melting snow. Therefore, the risk of flooding does not get coverage under a typical homeowners insurance policy.
Who has the cheapest home insurance in Pennsylvania?
With a yearly average rate of $507, Penn National offers the most affordable homeowners insurance in PA.
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