Pennsylvania Homeowners Insurance
What do you call home? Maybe it’s a ranch in the suburbs, a restored farmhouse, or a downtown high-rise. No matter where you live in Pennsylvania, your home is a special place you want to protect.
Home insurance coverage options in Pennsylvania
Farmers builds value into every home policy with:
- Declining Deductibles® — Earn $50 toward your deductible each year.
- Claims Free Discount® — Receive a discount if you’ve been claim-free for three years.
- Claim Forgiveness — Your premium won’t increase due to a claim if you’ve been claim-free with Farmers for five years.
- Cosmetic Damage Coverage — File a claim for functional damage, and we’ll cover related cosmetic damage as well.
Typical homeowners insurance policies in Pennsylvania cover damage caused by:
- Fire
- Vandalism and theft
- Windstorms
- Hail
- Lightning strikes
- Explosion
- Falling objects
- Damage caused by weight of snow or ice
Pennsylvania home insurance discounts
Farmers® builds value into every policy — but you may be eligible for even more savings.
We offer a variety of discounts for our home insurance customers based in Pennsylvania. For example:
Multi-policy

Protective devices

Non-smoker
See a list of potential home insurance discounts. Not all listed discounts are available in Pennsylvania.
View more coverage options in Pennsylvania
Auto insurance
Find out minimum state requirements for auto insurance in Pennsylvania, available discounts and more.
Learn From Experience
Expand your knowledge base with articles relevant to you.
A Home Addition Can Mean Extra Income, More Room for Family — Or Even a Dream Home
She Plays Drums, and the Downstairs Neighbors Have a New Baby: How Soundproofing Helped This Family (and Others) Restore Peace and Quiet
If a Tree Falls on My Home, What Do I Do?
Strong winds took this customer’s home by surprise. Luckily no one was hurt.