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Pennsylvania Home Insurance

Pennsylvania home insurance gives homeowners the much needed property damage coverage for their home. There are a few different policies with many different variations. The basic HO-2 policy covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The broader HO-3 policy provides bodily injury liability and additional property damage coverage. If you bought a home and have a mortgage, your lender likely requires you to carry Pennsylvania homeowners insurance for the duration of the loan.

Pennsylvania Home Insurance Coverage

In Pennsylvania, homeowners have to be concerned with winter storm damage, including heavy snow and ice, hail storm damage, and thunderstorms. Homeowners should be aware that Pennsylvania home insurance does not cover damage caused by flood waters. Homeowners will have to buy additional flood coverage to cover these damages. To review a list of what will not be covered by your policy, review the exclusions section of your policy.

Pennsylvania Home Insurance Rates

Pennsylvania homeowners insurance was a little below the national average cost for home insurance in 2003. Home insurance ran an average of $543 in 2003. The insurance rates rose 23.1% from 2001 to 2003.

Saving Money

When you review your annual premium amount, remember that you can shave some much needed dollars off your amount by following some simple suggestions. Homeowners can save by adding raising their deductible. This will likely remove hundreds of dollars from your annual premium. If you don’t want to raise your deductible, then you could purchase your home and auto insurance through the same company. Many insurance companies offer discounts when you purchase more than one policy through them. Of course, you should always shop around before buying your Pennsylvania home insurance.

Pennsylvania Department of Insurance

Commissioner's Office
1326 Strawberry Square
Harrisburg, PA 17120
Phone: (877) 881-6388


For other Pennsylvania Insurance Resources, See:


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