Homeowners Insurance PA

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Get Homeowners Insurance in Pennsylvania

Homeowners Insurance PAPennsylvania homeowners insurance helps those in the Keystone State with protection for your home and belongings if they are damaged by a covered loss. It also helps provide liability protection if someone is injured on your PA property. Being a homeowner means facing challenges like vandalism, natural disasters and fires, which can cause significant damage. Whether you live in Pittsburgh, Philadelphia, Scranton, Erie or anywhere in between, the AARP® Homeowners Insurance Program from The Hartford1 is ready to help protect you and your family.
 

What Types of Coverage Are Recommended for Homeowners Insurance in Pennsylvania?

homeowners insurance PennsylvaniaPA homeowners policies from The Hartford come with a wide array of coverages. Below are a few examples of homeowners insurance coverages, as well as what The Hartford typically considers covered property:
 
Personal Liability helps provide for your legal defense against a liability claim. This coverage also helps pay for damages that you’re held liable for. For example, if your pet attacks a visitor or person on your property, personal liability insurance can help cover the costs associated.
 
Dwelling Coverage helps protect your PA home and the structures directly attached to it. Dwelling coverage can help protect your Pennsylvania home inside and out when it’s damaged in a covered loss. Covered property includes your roof, siding, walls, flooring, heating and air conditioning. Choosing the right amount of coverage ensures you have enough to cover the cost to rebuild your house in the case of a total loss.
 
Personal Property coverage helps protect your personal belongings such as furniture, appliances and clothing.
 

Additional Recommended Coverages for Homeowners Insurance in Pennsylvania

Valuable Items Blanket provides extra coverage for valuables. Homeowner policies cap coverage for theft on silverware and jewelry. The Hartford’s valuable items blanket coverage can increase the limit to $10,000 per item. It can also extend coverage for lost items or damaged valuables such as jewelry, crystal, guns, china, silverware and more.
 
Flood Insurance helps cover the costs of flood damage to your home. This type of coverage is not included in standard homeowners insurance policies, so you’ll need a separate flood insurance policy to help protect your home from floods.
 
Other Structures Insurance helps protect the other structures on your property from things like fire, vandalism and falling objects. These can include detached garages, gazebos or even your swimming pool.
 
Loss of Use helps cover your additional living expenses if your home is unlivable due to a covered loss. For example, if your home is under repair and you have to stay in a hotel for a week, this coverage can help pay your hotel expenses.
 
Medical Payments helps protect you if someone is injured on your property. For example, if someone slips and falls in your backyard, medical payments coverage can help cover the costs associated with the injury. Costs are covered up to your policy limit, whether you’re found legally responsible or not.***
 
Equipment Breakdown Coverage helps cover mechanical or electrical breakdowns for any systems in the home. For example, air conditioning, heating and other appliances can be covered. However, normal wear and tear are excluded. This benefit also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar but more energy efficient or environmentally friendly.
 
Full Replacement Cost helps pay the cost to rebuild your home if it is a total loss up to 125% of your coverage limits.
 
Other coverages you can add to your policy are:
 
  • “New for Old” Protection‡‡ to help provide the actual cost to replace your possessions if they are destroyed by a covered loss with brand new ones of the same quality.
  • Personal Injury Liability Coverage to help cover potential damages arising from a libel or slander claim.
  • Reimbursement for Replacing Locks to help pay up to $500 to replace locks, with a $100 deductible, if your key is lost or stolen.
  • Identity Fraud Expense Coverage, which reimburses you for out-of-pocket expenses up to certain limits (see your policy for limits) to help you recover from identity theft or fraud.
  • Disappearing Property Deductible,‡‡ which reduces your deductible every year after you go three consecutive years without a loss.
  • Rental Property Protection Plus provides protection for you as a landlord on rental units you own. This coverage includes:
    • Replacement cost of the rental dwelling
    • Optional coverage for detached structures
    • Property damage by vandalism or burglars
    • Damage to lawns, plants, and shrubs
    • Fair rental value (20% of dwelling coverage)

Is Home Insurance in Pennsylvania Required by Law?

Unlike Pennsylvania car insurance, homeowners insurance isn’t required by law. But if you finance your home with a mortgage in PA, your mortgage lender will likely require some sort of home insurance coverage. Typically, a homeowners insurance policy will pay only the actual cash value of damaged, stolen or destroyed personal property, depending on the coverage you’ve selected.
 

What Is the Average Cost of Homeowners Insurance in PA?

The average cost of homeowners insurance premiums written by insurance companies in Pennsylvania is $760 per year, which is less than the national average of $1,428.2
 

What Factors Affect Rates for Homeowners Insurance in PA?

Different factors can influence insurance costs in the Keystone State, including:
 
  • The total square footage of your PA home. The bigger the house, the higher the premiums.
  • The cost to build in your area, factoring in construction materials and other unique features.
  • The likelihood of certain types of disasters such as hurricanes or tornadoes.3
  • The location of your home, including claims history of the area.

Discounts on Homeowner Insurance in Pennsylvania

homeowner insurance pennsylvaniaThere are many ways to save on your Pennsylvania home insurance, and we offer many types of homeowners insurance discounts at The Hartford to help lower your premiums.
 

Bundled Insurance Discount

If you already have a car insurance policy with The Hartford, bundling it with your Pennsylvania homeowners insurance means you may qualify for our bundled policy discount.** With this discount, you’ll be able to save up to 5% on your car insurance and up to 20% on your home insurance in PA.
 

Home Security Discount

Installing security devices, such as burglar alarms and sprinkler systems, in your PA home can help lower your premium.
 
Find out more about the benefits of having your homeowners insurance with The Hartford. Our specialists are here to answer any questions and help you get the coverage you need. Call us today at 800-624-5578.
 
 
Last Updated: July 6, 2023
 
*** Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
 
2 Bankrate, “Average homeowners insurance cost in June 2023”
 
3 Insurance Information Institute (III), “Facts + Statistics: Homeowners and renters insurance”
** Automobile/Homeowners discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance Programs from The Hartford.
‡‡ Terms and conditions apply.
 
Additional disclosures below.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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