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The best homeowners insurance in Pennsylvania in 2021

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While there are a variety of home insurance providers to choose from, digging through policy details can be a headache. We researched the best home insurance companies and compared each company’s policy details, discounts and pricing to help you find the right home insurance provider for your home (see methodology below).

To provide you with pricing estimates, we requested quotes for annual premiums on a 2,000-square-foot single-family home in Mechanicsburg, Pa. Since actual insurance costs are determined by your property, location and personal details, we recommend requesting quotes from the companies listed in this review for a more accurate estimate. Fill out this quick form or call 855-948-5219 to get a free quote from providers in your ZIP Code.

Top home insurance providers in Pennsylvania

1. Best overall: Allstate

2. Best for new homeowners: State Farm

3. Most user friendly: Lemonade

4. Best deductibles: Travelers

5. Best coverage options: Nationwide

1. Best overall: Allstate

Allstate is our top overall pick for Pennsylvania homeowners because of its exceptional customer service, years of experience in the insurance industry, unique discounts and coverage options. As one of the largest home insurance providers in the country, Allstate is a great starting point for homeowners looking for comprehensive standard coverage with a few extras.

Pros

Cons

Has an easy online quote tool with helpful visual graphics

Sometimes has higher-than-average premiums

Offers a Claim RateGuard benefit that may protects against increased premiums after claims

Features an auto-pay plan discount

Annual premium: $1,548 with a $2,500 deductible (this quote included roof replacement extended coverage and water backup in a basic policy)

Discounts: Welcome discount for new customers, early signing, responsible payment history, claim-free history, protective devices, auto pay, loyalty discount, bundling with other policies

Additional coverage options: Water backup, roof surfaces extended coverage endorsement, building codes, identity theft, jewelry, watches, furs

2. Best for new homeowners: State Farm

State Farm is the best option for new homeowners, since it offers educational resources that explain each coverage type to help you determine your coverage needs. Although this insurer doesn’t offer as many discounts as some other home insurance companies, its bundling discount allows homeowners to save on multiple policies from the company. For example, the premium we were quoted was $448 cheaper when bundled with car insurance.

Pros

Cons

Includes a specific personal property breakdown

May offer fewer discounts compared with other home insurance providers

Offers fire department service charge coverage

Local agents may not be available 24/7

Provides large auto insurance bundling discounts

Annual premium: $1,280 with a $1,000 deductible

Discounts: Claim-free history, roof type, security and fire alarm systems, multi-policy bundling

Additional coverage options: Identity theft, home systems protection, loss assessment for HOA charges, sewer and drain backup, sinkhole collapse, energy efficiency upgrade, service line repair

3. Most accessible: Lemonade

Lemonade makes it easy for homeowners to manage their policies and make claims. The company has AI software built into its mobile app and website, which helps customers sign up for a policy, connects policyholders to customer service representatives and assists with claims. To request a free quote, visit Lemonade’s website and get a quote in under five minutes.

Pros

Cons

Has a giveback program to charities

Doesn’t cover damage or injuries from high-risk dogs

Also offers renters insurance, life insurance and pet insurance

Doesn’t offer earthquake insurance in Pennsylvania

Is transparent about revenue and business details

Annual premium: $1,265.04 with a $2,500 deductible

Discounts: Fire-resistant materials, gated community, home protection equipment, proximity to fire station and hydrants, fire safety equipment and devices

Additional coverage options: Water backup, unmarried significant other, swimming pool liability, specific coverage for high-value items, including fine art, bikes, cameras and musical instruments

4. Best deductibles: Travelers

Travelers offer nine different deductible options ranging from $1,000 to $50,000. It also gives you the option to decrease your chosen deductible by $100 each year that you maintain your policy without changing the overall insurance rate.

Pros

Cons

Standard quote includes replacement costs

May offer fewer discounts than competitors

Provides 24/7 claims support

Doesn’t offer a water backup endorsement

Its quote tool doesn’t require a Social Security number or phone number

Annual premium: $1,110 with a $1,000 deductible

Discounts: Early quote, protective devices, new home buyer, bundling with auto insurance, loss-free history, green home

Additional coverage options: Equipment breakdown, replacement cost, roofing and siding matching, identity theft

5. Best coverage options: Nationwide

Nationwide has been in the home insurance industry for more than 100 years and is known for its extensive additional coverage options and comprehensive policies. One unique highlight of the company is that it includes personal injury liability in a basic quote, which is typically considered an endorsement that adds an extra cost to insurance rates.

Pros

Cons

Personal injury liability is included in a standard policy

Customer service can be difficult to reach

Its Nationwide Express online quote tool takes under two minutes to fill out

Has limited discount options

Has an A+ rating from the Better Business Bureau (BBB)

Annual premium: $1,072.58 with a $1,000 deductible

Discounts: Construction or renovation age, bundling, protective devices, claims-free history, home renovation credit, roof rating, recently purchased home, gated community, prior insurance coverage.

Additional coverage options: Building ordinance, service line, replacement cost for personal property, tools, identity theft protection, loss assessment, better roof replacement, equipment breakdown, landlord furnishings, increased coverage for homeowners who have tenants, water backup.

The bottom line

Whether you prefer a home insurance company like Lemonade that has an easy-to-use website and mobile app or a company like Allstate that’s been in the home insurance industry for years, each home insurance company listed in this review offers solid coverage at affordable prices.

Regardless of which insurer is most attractive to you, we recommend requesting quotes from at least three providers to compare coverage and pricing. You can call 855-948-5219 or get a quote here to start your home insurance comparison.

How to get homeowners insurance in Pennsylvania

Getting a Pennsylvania homeowners insurance policy doesn’t have to be complicated. Here are a few steps to take when beginning the process:

1. Determine your coverage needs

To ensure you’re receiving the most comprehensive coverage possible for your property and personal belongings, take inventory of your belongings, estimate the value and rebuilding cost of your home, check with your mortgage lender for insurance requirements and consider any additional coverage you may want to add to your policy.

Here are a few sample questions you should ask yourself before purchasing a policy:

  • Do I need water backup coverage?

  • Do I need extra coverage for high-value items like jewelry and financial documents?

  • Do I want higher dwelling coverage to ensure a full rebuild of my house is paid for after a catastrophe?

2. Request quotes

Most home insurance companies have hassle-free online quote tools that deliver a free estimate in minutes. Consider getting quotes from at least three home insurance providers before purchasing a policy to compare coverage plans and pricing. You can fill out this form or call 855-948-5219 to review your insurance provider options based on your zip code within the state.

3. Compare prices

Once you’ve received quotes with details on offers and premiums for your property, compare each provider side by side and choose the company that offers the best coverage and pricing for your situation.

4. Review policy details and sign up for a plan

After selecting your provider and policy, double-check all documents, review your policy details and confirm that all of the terms and conditions are reasonable before committing to a plan. Once all documents have been reviewed, complete the sign-up process and start managing your policy.

Frequently asked questions

Does homeowners insurance cover snowstorms?

Yes, damage from snowstorms that isn’t preventable is typically covered under a standard homeowners insurance policy. However, if snowfall or ice causes your roof to leak due to poor maintenance, normal wear-and-tear or corrosion, your policy probably won’t cover the claim.

How does a home and auto insurance bundle work?

If you currently have an auto insurance policy, you may be able to receive home insurance from the same provider and save money by bundling policies. These insurance product bundles often come with worthwhile discounts, savings and benefits, such as shared deductibles and lower premiums.

Is home insurance the same thing as a home warranty?

No, homeowners insurance is different from a home warranty in that it covers damages and losses caused by unpredictable events, such as natural disasters or theft. A home warranty covers repairs and replacements on major systems and appliances, such as refrigerators, air conditioning systems, and dishwashers, that break down due to normal wear and tear.

Our methodology

The Home Media team surveyed dozens of home insurance providers and created a scoring system to judge each company’s quality and service. We reached out for sample quotes, both over the phone and on the internet, to simulate a real customer experience. Here are the factors accounted for in our provider reviews:

  • Coverage (20%)

  • Customer service (15%)

  • Technology (15%)

  • Reputation (15%)

  • Additional benefits (15%)

  • Cost (20%)

Companies with the best customer service exhibit 24/7 availability, educational resources on their website, useful digital tools and a seamless claims-filing process. To score reputation, we compared data from each company’s Better Business Bureau page, customer reviews, registered complaints and years of experience.

Additionally, we dug into specific quotes and policy details to determine the value that each company offers in coverage, cost and additional benefits. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don’t, putting them toward the top of our recommendations to readers.

Source: on 2021-04-26 18:18:45

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