Covera
Cheap Homeowners Insurance in Pennsylvania (2026)
Pennsylvania homeowners pay an average of $1,180 per year for home insurance — about 10% below the US average. But rates vary enormously by city and carrier: Philadelphia homeowners pay up to $2,010/yr while rural Lancaster County homeowners can find coverage under $1,000. Comparison shopping in Pennsylvania's competitive market consistently delivers savings of $300–$600 per year.
In 2026, digital-first carriers have made Pennsylvania home insurance faster and more affordable than ever. Branch, Hippo, and Openly all offer instant online quotes with no physical inspection — just enter your address and get bindable coverage in under 5 minutes. All three consistently price below the state average for standard Pennsylvania homes.
Get your PA home insurance quote now
Compare Branch, Erie, Hippo, and more — no inspection, same-day coverage available.
Compare PA rates →Key Takeaways
- ✓PA average: $1,180/yr — below the US average, but Philadelphia rates can exceed $2,000/yr.
- ✓Cheapest PA carriers: Branch ($921/yr), Erie Insurance ($980/yr), Hippo ($1,012/yr).
- ✓Bundle home + auto saves avg $480/yr in Pennsylvania's competitive market.
- ✓No inspection required with digital carriers — bind coverage online in under 10 minutes.
- ✓Same-day coverage available — your policy can start today if you complete the application.
PA Home Insurance Costs by City
| City | Avg Annual Premium | vs. PA Avg | Cheapest Carrier |
|---|---|---|---|
| Philadelphia | $2,010 | +70% | Branch |
| Pittsburgh | $1,220 | +3% | Branch |
| Allentown | $1,190 | +1% | Openly |
| Erie | $1,090 | -8% | Branch |
| Harrisburg | $1,050 | -11% | Branch |
| Reading | $1,160 | -2% | Branch |
| Lancaster | $1,010 | -14% | Branch |
| Scranton | $1,070 | -9% | Hippo |
$300K home, $1,000 deductible. 2026 data.
Best Home Insurance Companies in Pennsylvania
- ✓ Cheapest PA avg
- ✓ No inspection
- ✓ Fast online binding
- ✗ Newer brand
- ✓ PA-based insurer
- ✓ Rate Lock® option
- ✓ Excellent claims rep
- ✗ Agent-based model
- ✓ Smart home kit
- ✓ Electronics coverage
- ✓ No inspection
- ✗ Less automated claims
How to Save Money
- →Bundle home + auto for an average $480/yr savings in PA.
- →Raise your deductible to $2,500 to cut your premium by 15–20%.
- →Install a monitored security system for a 5–15% discount.
- →Re-quote at every annual renewal — PA's competitive market shifts year to year.
- →Ask about the new-homeowner discount — several PA carriers offer it in the first year.
Frequently Asked Questions
Methodology
Covera's analysis is based on data collected from carrier rate filings, state insurance department databases, and proprietary quote data from January 2025 through June 2026. Benchmark rates reflect a standard profile unless otherwise noted. Financial strength ratings are sourced from AM Best (current as of June 2026). Customer satisfaction scores are aggregated from verified Trustpilot, App Store, and Google Play reviews. Covera is compensated by carriers when customers purchase through our platform; this does not influence editorial rankings, which are based solely on objective criteria including price, coverage quality, financial strength, and customer satisfaction.
Compare home insurance rates — free, no commitment
Takes under 3 minutes. No phone calls, no agents. The average customer saves over $400 a year.
Get my free quote →