Pennsylvania Homeowners Insurance Coverage
Whether you own a restored Colonial in Philly or a four-bedroom brick home near Pittsburgh, with a Farmers FlexSM Personal Home policy you can choose quality coverage for your Pennsylvania lifestyle today, with many ways to help you save.
Is homeowners insurance required in Pennsylvania?
No, homeowners insurance is not required by law in Pennsylvania. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.
What does homeowners insurance cover in Pennsylvania?
Every policy is different, but home insurance policies in Pennsylvania typically come with several standard coverages.
- Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.
- Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.
- Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.
- Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.
- Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.
Typical home insurance policies in Pennsylvania cover damage caused by:
- Fire
- Vandalism and theft
- Lightning strikes
- Wind
- Hail
- Explosions
- Falling objects
- The weight of snow or ice
Flooding, a common risk in parts of Pennsylvania, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.
Farmers Flex Personal Home coverage in Pennsylvania
Beyond the basic coverages, Farmers Flex Personal Home offers a wide range of options that let you customize your policy, such as:
- Guaranteed Replacement Cost
- Water Backup and Sump Overflow
- Emergency Mortgage Assistance
- Declining Deductibles®
- Claim Forgiveness
How much does homeowners insurance generally cost in Pennsylvania?
The average premium for home insurance coverage in Pennsylvania is $967 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That’s less than the national average of $1,311 a year, according to same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.
Pennsylvania home insurance discounts
Farmers® offers a variety of savings opportunities for eligible home insurance customers in Pennsylvania, including:
- Welcome Discount
- Home Buyer Discount
- Multi-Policy Discount
- Loyalty Discount
- Claim Free Discount
See more information and additional discounts that may be available in Pennsylvania.
Ruffed Grouse
More coverage options in Pennsylvania
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The short answer to your question is yes, all your property can be covered under a homeowners policy. However, one of the biggest mistakes consumers can make is to assume all your valuables will be covered automatically.
Inflation, construction costs, climate change and other trends that impact rising home insurance premiums.
1 Based on average premium for HO-3 type open perils homeowners policies.