Pennsylvania Homeowners Insurance

  • Homeowner
  • /
  • Pennsylvania Homeowners Insurance

With borders along Lake Erie, two booming cities of Pittsburgh and Philadelphia, the birth of the American Revolution, cheesesteak sandwiches and so much more, residing in the great state of Pennsylvania is a treat. Whether you’re a fan of the Steeler or Eagles, Penguins or Flyers, Pirates of Phillies, or your roots run deep at one of the many outstanding colleges in the state, owning a house in the Keystone State means you’ll have to protect your investment with Pennsylvania homeowners insurance.

With Clovered, getting sufficient homeowners insurance in Pennsylvania is easy, affordable and quick. Our online multi-rater tool compares policies from some of the best homeowners insurance companies in Pennsylvania to provide you an affordable policy with adequate coverage quicker than you can answer whether you’d like Cheez Whiz or provolone on that sauteed ribeye sandwich.

What’s Covered With a Pennsylvania Homeowners Insurance Policy?

Homeowners insurance in Pennsylvania covers the structure of your house, your personal belongings and much more, including unexpected incidents that could occur on your property. While you get to choose the amount of coverage you enroll in, the following six coverages come standard in every homeowners insurance policy.

Coverage A: Dwelling

This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since it protects the actual home itself, the amount of Coverage A on your policy should be the equivalent, or slightly more, than your home’s value.

Coverage B: Other Structures

Structures on your property that aren’t connected to your househouse fall under this coverage. It includes things like fences, sheds and even satellite dishes. Coverage for these structures is typically up to 10% of the policy’s dwelling maximum.

Coverage C: Personal Belongings

Coverage C is designed to protect the policyholder’s personal belongings that are kept within the home. For homeowners, this coverage can pay to replace things like furniture, electronics, clothes and even items kept on the property, like lawnmowers.

Coverage D: Loss of Use

Arguably the most underrated part of every homeowners insurance policy, loss of use helps to pay for things like equivalent housing and extra everyday expenses if the policyholder’s home is unable to live in after being damaged or destroyed.

Coverage E: Personal Liability

This coverage can provide financial protection for accidents that occur on the policyholder’s property, damage to other people’s property and dog bites. It can help pay for medical expenses, legal fees and property damage if the policyholder is deemed liable.

Coverage F: Medical Payments

Similar to personal liability, medical payments to others covers minor injuries that occur on the policyholder’s property — whether or not they’re found liable for the incident. Policies usually have between $1,000 and $5,000 worth of MedPay coverage.

Which Perils Are Covered by Homeowners Insurance in Pennsylvania?

From snowstorms that barrel into homes and freeze pipes in the winter to those pristine summer days that may be filled with bright lightning, your house is covered by Pennsylvania homeowners insurance for all of life’s unexpected — but covered — perils.

10 Named Perils Under HO-1:

  1. Vandalism
  2. Theft
  3. Damage caused by vehicles
  4. Damage caused by aircraft
  5. Rioting or civil disturbances
  6. Smoke damage
  7. Fire or lightning
  8. Windstorm or hail, such as a hurricane or tornado
  9. Explosions
  10. Volcanic eruptions

16 Named Perils Under HO-2:

  • (All 10 named perils under HO-1, plus the following)

  1. Frozen pipes
  2. Falling objects
  3. Damage caused by heating, air conditioning or plumbing
  4. Damage due to snow, ice or sleet
  5. Damage from water heater, including cracks, burns or tears
  6. Damage from electrical currents, such as downed powerlines

How Much Does Homeowners Insurance Cost in Pennsylvania?

The average cost of homeowners insurance in Pennsylvania tips the scale at around $900 per year for $200,000 of dwelling coverage, $30,000 of personal property protection and $100,000 of liability coverage — plus some other vital coverages that you may need.

The price of premiums you pay will differ drastically based on your location and other factors. So homeowners in Lancaster may pay a different price than those in Allentown, York, Scranton, Bethlehem or Kittanning. And those in Pittsburgh will likely pay a different price than those in Philadelphia.

  • Average Cost of Homeowners Insurance in Pennsylvania: $900 per year

How to Get the Best Homeowners Insurance in Pennsylvania

For an affordable Pennsylvania homeowners insurance policy accompanied by best-in-class customer service, Clovered has your back — and your house covered. We protect your house, personal belongings and many other unexpected factors from covered perils.

With our online quoting engine, we’re able to compare policies from the best homeowners insurance companies in Pennsylvania to provide you a policy in minutes that fits your coverage needs and meets your budget.

It's Time to Switch Your Homeowners Insurance

We partner with the nation's top homeowners insurance companies so you can get a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.