Pennsylvania homeowners insurance

From the Liberty Bell and Hershey's Chocolate World to the nation's first zoo, Pennsylvanians have a lot to enjoy in the state where they make their home. Progressive is proud to help protect homes with customized, affordable home insurance for Pennsylvania homeowners. Learn more about the coverages, rates, and discounts we offer in the Keystone State.

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How you're covered

Pennsylvania doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your insurance company has designed its policy's coverages to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in Pennsylvania

Pennsylvania doesn't have as many severe weather episodes as do other states. Severe thunderstorms are more common than tornadoes, and hurricanes can occasionally make their way north to Pennsylvania, but they aren't a regular occurrence. Many weather-related hazards are covered by a standard homeowners insurance policy, including damage from wind and tornadoes, up to your policy’s limits (minus your deductible).

While a typical homeowners policy covers direct damage from many forms of severe weather, flooding is not covered, even when it follows a severe storm. If you live in a flood-prone area, consider purchasing a separate flood insurance policy.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

See more about the home insurance discounts we offer.

Pro tip:

If you live in an area with high vandalism, theft, or property crime rates, consider making a home inventory and talk with your agent about personal property coverage.

How much is homeowners insurance in Pennsylvania?

Your cost for Pennsylvania homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.

Fast facts about homes in Pennsylvania

  1. Pennsylvania's homeownership rate is higher than the national average at almost 70%.

  2. Pennsylvania is home to Fallingwater, a stunning display of mid-century modern home design implemented by Frank Lloyd Wright. Hailed as the "best all-time work of American architecture," the small waterfall it's built atop is integrated into the design.

  3. Three Pennsylvania cities appear on Business Insider's list of the 50 best places to live in America: Lancaster, Harrisburg, and Pittsburgh.

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