Pennsylvania home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $1,365/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible: No separate wind, hail, or hurricane deductible is standard in Pennsylvania — the deductible above applies to storm damage too.
Insurer of last resort: Insurance Placement Facility of Pennsylvania (Pennsylvania FAIR Plan); Established under the Pennsylvania FAIR Plan Act of 1968, the Insurance Placement Facility of Pennsylvania writes basic property insurance for anyone with an insurable interest in property in the Commonwealth who cannot obtain coverage in the voluntary market. It writes habitational (1-4 family dwellings) and commercial risks; the combined building-and-contents limit is $500,000 for occupied dwellings and $335,000 for vacant ones. Farms are excluded, as are mobile homes, buildings under construction, and property insured to less than 80% of replacement cost under its DP 00 02 form. Pennsylvania's voluntary market is one of the more stable in the country, so the FAIR Plan here functions as a genuine narrow backstop - largely for older urban housing stock and properties with condition or loss-history problems - rather than as the growing de facto market it has become in wildfire and hurricane states.