Best Homeowners Insurance in Pennsylvania 2020


In exchange for a monthly premium, you can get insurance protection for your home and the belongings inside. In this guide, we explain the ins and outs of home insurance and discuss the three best homeowners insurance companies in the Keystone State.

To get free quotes from providers in your area, call 855-948-5219 or enter your zip code in the tool below:

Pennsylvania’s Top 3 Home Insurance Companies

The highest-rated home insurance companies in Pennsylvania include:

  1. Amica
  2. Lemonade
  3. Allstate

To determine which home insurance companies to recommend to Pennsylvania homeowners, we looked at national companies and their coverage options, customer service, discounts, endorsements, prices, and more. Here are the home insurance companies that came out on top.

1. Amica

If you’re looking for a home insurance company with supportive customer service, Amica may be a good option. It offers comprehensive customer service support, giving policyholders access to a claims representative 24/7 along with an app, online portal, and chat function.

Amica Pros and Cons

Pros Cons
Pros Cons
Policies are more affordable than the national average Doesn’t help you estimate your home’s rebuilding cost
Offers up to $1 million in personal liability protection Doesn’t have 24/7 customer service for sales, billing, or policy questions
Provides five discounts to lower your premium

2. Lemonade

Lemonade’s defining feature is its Giveback program. Each time you pay a premium, Lemonade takes out a set amount of money to use for company expenses and leaves the rest for any claims you might file. If you haven’t used all of the claims money by the end of the year, the remaining amount will be donated to a charity of your choice.

Lemonade Pros and Cons

Pros Cons
Pros Cons
Provided our team with the cheapest quote compared to other providers in this review Only offers one discount for having safety features in your home
Offers customizable endorsements for valuable items, like jewelry and art Only available in 23 states
Has customizable personal property coverage

To determine if Lemonade is the best home insurance provider for you, visit the company’s website.

3. Allstate

Allstate offers more discounts than Amica and Lemonade combined. The company has standard discounts, like bundling insurance policies, being claims-free, and having safe home features, but it also has unique discounts, including the following:

  • Easy pay plan
  • Early signing
  • Welcome and loyalty
  • Home buyer
  • 55 and retired

Allstate Pros and Cons

Pros Cons
Pros Cons
Offers 24/7 customer service for all insurance questions Is relatively expensive compared to other providers
Offers more endorsements than Amica and Lemonade Doesn’t have an online chat function
Provides other insurance products and services, like auto, life, business, and renters insurance

Pennsylvania Homeowners Insurance Coverage

Homeowners insurance companies in Pennsylvania split up policies into six categories:

  • Dwelling—This part of the policy pays to rebuild your home if an event destroys it. To determine how much it would cost to rebuild your home, talk to a local appraiser, use the estimation provided by your insurance company, or purchase $100–$155 of protection per square foot.
  • Other structures—While dwelling coverage protects everything built into the home, other structures coverage protects everything detached from the home. This includes items like fences, sheds, and garages. Most companies give you 10% of dwelling coverage for other structures coverage.
  • Personal property—This type of coverage will pay to replace your personal belongings if they’re damaged. You can either purchase an actual cash value (ACV) policy or a replacement cash value (RCV) policy. RCV policies cost a little more, but they replace your items with new ones instead of with ones of depreciated value, like in an ACV policy. You usually get at least 50% of dwelling coverage for this type of protection.
  • Loss of use—If your home is uninhabitable during repairs, you can live elsewhere and be reimbursed for living expenses during that period. These expenses may include the cost of a hotel room or the cost of eating out. Loss of use coverage is typically 20% of dwelling coverage.
  • Liability—Liability coverage pays for medical bills, legal fees, and replacement costs if you’re responsible for injuring someone or damaging their belongings. You should buy enough coverage to protect all of your assets, which is at least $300,000 for most homeowners.
  • Medical payments to others—Your policy pays for medical bills of guests who are injured in your home. Most policies start with $1,000 of protection per person.

How Much Does Home Insurance Cost in Pennsylvania?

The average cost of a Pennsylvania home insurance policy in 2017 was about $77.50 per month, according to the Insurance Information Institute. Compared to the national average of about $101 per month, home insurance rates in Pennsylvania are relatively affordable.

Factors to Consider Before Buying Homeowners Insurance

Consider how these factors will affect your level of insurance coverage and monthly premium:

  • Roof—Before providing you with a quote, a home insurance company may ask you questions about the condition of your roof. If your roof is older, they may require a home inspection to determine how likely it is that the roof will lead to a claim, increase your insurance rates, or deny you coverage until you replace your roof.
  • Endorsements—If a base policy doesn’t offer enough protection, you may want to consider purchasing endorsements. For example, if your valuables are worth more than the personal property coverage cap, or you have a business at home, you can look for a company that will offer protection in these areas.
  • Crime—When requesting a quote, a home insurance company will pull crime statistics for your area. If your area has a high level of crime, you may have to pay more for an insurance premium.

Deductible—If you want a lower insurance rate, you can choose a higher deductible so that you pay less each month.

Compare Homeowners Insurance Coverage Options

Provider Amica Lemonade Allstate
Provider Amica Lemonade Allstate
Get a free quote Not available through This Old House Lemonade.com Not available through This Old House
Other structures coverage limits 10% of dwelling N/A 10% of dwelling
Personal property coverage limits 75% of dwelling 40%–79% of dwelling 60% or 75% of dwelling
Liability coverage limits $25,000, $50,000, $100,000, $200,000, $300,000, $400,000, $500,000, $750,000, or $1 million $100,000, $200,000, $300,000, $400,000, or $500,000 $100,000, $200,000, $300,000, or $500,000
Monthly price* $94 $61 $302
Discounts available 5 1 9
Unique add-ons Home business, catastrophic coverage Significant other, swimming pool liability Musical instruments, yard and garden
Customer service 24/7 for claims; limited for sales and service Online 24/7
BBB rating A+ B+ A+

*Based on sample quotes our team received

Our Conclusion

If you’re looking for home insurance in Pennsylvania, Amica, Lemonade, and Allstate offer comprehensive coverage that can be customized for your home protection needs. For the best value, we recommend getting a free quote from Lemonade by visiting the company’s website.

To get quotes from other companies in your area, call 855-948-5219 or input your zip code in the tool below:

FAQs About Homeowners Insurance in Pennsylvania

What happens if you don’t have homeowners insurance?

If you don’t have homeowners insurance, you’ll have to pay for a covered loss yourself. For example, if a natural disaster destroys your property, you’ll have to pay out of pocket to rebuild your home, rebuild the detached structures on your property, and replace your personal belongings.

Do you have to pay for homeowners insurance upfront?

No. While paying for your policy upfront is an option, most homeowners split their policy into monthly payments. Some home insurance companies also give you the option to pay two or four times a year.

Do I have to purchase homeowners insurance?

No. Home insurance is not required by law. The only time you need to have homeowners insurance is if your lending institution requires it to get a home loan. However, without a home insurance policy, you run the risk of having an unexpected event damage your home and paying for the damage yourself.

To share feedback or ask a question about this article, send a note to our Reviews team at reviews@thisoldhousereviews.com.



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