Quick Answer — Home Insurance in Pennsylvania
Homeowners insurance in Pennsylvania costs about $2,334/year ($194/month) in 2026 — −34% below the U.S. average of $3,548 (MoneyGeek). Pennsylvania is well below the national average.
$2,334/yr
Pennsylvania average
$194/mo
Monthly estimate
−34%
vs US avg ($3,548)
Winter storms
Main cost driver
Pennsylvania is well below the national average. The state has a relatively stable insurance market, with winter storms, occasional flooding, and the tail ends of tropical systems as the main perils rather than large catastrophe losses.
Estimate your own premium by home value and coverage level
Open the Home Insurance Calculator →How Much Is Homeowners Insurance in Pennsylvania?
| Reference | Annual | Monthly |
|---|---|---|
| Pennsylvania average | $2,334 | $194 |
| U.S. national average | $3,548 | $296 |
| Most expensive state (Florida) | $10,240 | $853 |
| Cheapest of the major states (California avg) | $1,348 | $112 |
Average annual premiums are MoneyGeek 2026 figures for a standardized homeowner profile. Your rate varies by dwelling value, home age, roof, ZIP code, deductible, and claims history.
Why Homeowners Insurance Is Cheaper in Pennsylvania
Pennsylvania is well below the national average. The state has a relatively stable insurance market, with winter storms, occasional flooding, and the tail ends of tropical systems as the main perils rather than large catastrophe losses.
How to Lower Your Home Insurance in Pennsylvania
- Bundle home and auto — Pennsylvania carriers offer competitive multi-policy discounts.
- Add a sewer/water-backup endorsement, a common winter and storm claim.
- Raise your deductible to trim the premium.
- Compare at least three insurers each renewal, and bundle home with auto for a multi-policy discount.
Homeowners Insurance Cost in Other States
Home insurance is priced state by state, so costs swing widely. Compare Pennsylvania with other states:
Frequently Asked Questions
How much is homeowners insurance in Pennsylvania?
The average homeowners insurance premium in Pennsylvania is about $2,334 per year, or roughly $194 per month, in 2026 (MoneyGeek). That is −34% below the U.S. national average of $3,548. Your actual rate depends on your home's value, age, roof, location, and claims history.
Why is homeowners insurance cheaper in Pennsylvania?
Pennsylvania is well below the national average. The state has a relatively stable insurance market, with winter storms, occasional flooding, and the tail ends of tropical systems as the main perils rather than large catastrophe losses.
How can I lower my homeowners insurance in Pennsylvania?
Bundle home and auto — Pennsylvania carriers offer competitive multi-policy discounts. Add a sewer/water-backup endorsement, a common winter and storm claim. Raise your deductible to trim the premium.
Is home insurance required in Pennsylvania?
No state legally requires homeowners insurance, but your mortgage lender will require it as a condition of the loan. If you own the home outright it is optional, though going without coverage in Pennsylvania is a significant financial risk given local perils.