{"id":323426,"date":"2025-11-07T23:57:01","date_gmt":"2025-11-08T04:57:01","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112707"},"modified":"2025-11-12T14:11:51","modified_gmt":"2025-11-12T19:11:51","slug":"best-in-pennsylvania","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-pennsylvania\/","title":{"rendered":"The Best Home Insurance Companies in Pennsylvania of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners\u2019 Insurance Companies in Pennsylvania Review\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>Pennsylvania homeowners insurance premiums have risen since 2021. The latest official statewide average from the NAIC is available through 2022, and 2025 quotes-based estimates from private researchers (e.g., Bankrate, NerdWallet, Policygenius) indicate higher typical costs than earlier years.\u0000a0<\/li><li>Cheapest options vary by ZIP code and home profile; recent Pennsylvania comparisons often find regional carriers like Erie and national brands such as Nationwide, Travelers and Allstate among Reviews.com\u0019s selections for <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">cheapest homeowners insurance<\/a> in Pennsylvania. <\/li><li>The best homeowners insurance PA companies balance competitive rates with strong financial strength (e.g., AM Best A- or better), solid claims service and endorsements that matter in PA (such as water backup and service line protection).<\/li><\/ul>\n\n\n\n<p>Pennsylvania <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/about\/\">home insurance<\/a> is not legally required unless your home is financed, but it can provide critical financial protection against covered losses. If you carry a mortgage, your lender will typically require coverage. Several major and regional carriers operate in the state, and a last-resort option exists via the Pennsylvania FAIR Plan when standard-market coverage is unavailable.\u0000a0<\/p>\n\n\n\n<p>Reviews.com narrowed the list of homeowners insurance companies using the latest official NAIC benchmarks (through 2022) alongside 2025 quotes-based estimates from industry sources such as Bankrate, NerdWallet and Policygenius. We apply a consistent in-house methodology to compare discounts, coverage, financial strength and third-party evaluations to rank and review the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best home insurance<\/a> in Pennsylvania. <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/compare-quotes-pm\/\" class=\"achor-toggles\">Comparing quotes<\/a> from multiple companies is still the best way to find affordable, appropriate coverage for your needs. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 6 Best Home Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<ul>\n<li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide<\/a>: Best Pennsylvania Home Insurance for Add-On Coverage<\/li>\n\n\n\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best Pennsylvania Home Insurance for Premium and Deductible Costs<\/li>\n\n\n\n<li><a href=\"#erie\" rel=\"nofollow\" class=\"achor-toggles\">Erie<\/a>: Best Pennsylvania Home Insurance for Basic Coverage<\/li>\n\n\n\n<li><a href=\"#penn\" rel=\"nofollow\" class=\"achor-toggles\">Penn Nat<\/a>: Best Pennsylvania Home Insurance for Low Rates<\/li>\n\n\n\n<li><a href=\"#farmers\" rel=\"nofollow\" class=\"achor-toggles\">Farmers<\/a>: Best Pennsylvania Home Insurance for Discounts<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\">Travelers<\/a>: Best Pennsylvania Home Insurance for Green Homes<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\t\t\n<section id=\"block_6116d9d3cca71\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Home Insurance Companies in Pennsylvania<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premiums*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6116d9d3cca71-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$778<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>808<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6116d9d3cca71-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$729<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6116d9d3cca71-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$542<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>839<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6116d9d3cca71-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Penn National<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$499<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A-<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>N\/A<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6116d9d3cca71-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Farmers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$756<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>814<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6116d9d3cca71-6\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='6'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$829<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>803<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>This comparison reflects sample data captured in 2021; use for direction only. Official statewide averages are current through 2022 (NAIC), and 2025 market estimates indicate higher typical premiums.<\/em><\/p>\n\n\n\n<p><em>* Sample rate data originally provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best for Add-On Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide<\/h2>\n\n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Add-On Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide has the most add-on coverage options, based on our research. Clients can customize their quotes and policies easily with features such as credit card coverage, extended valuables coverage, and better roof replacement, among others.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$778*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">808**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide has the most add-on coverage options, based on our research. Clients can customize their quotes and policies easily with features such as credit card coverage, extended valuables coverage, and better roof replacement, among others.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low customer complaint ratings<\/li>\n                            <li>Brand new belongings coverage<\/li>\n                            <li>Will replace roof with stronger, better materials<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lower-than-average customer satisfaction<\/li>\n                                    <li>Mobile app is geared toward auto policy management<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\ncolumns:2;\"><\/p>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Better roof replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuables Plus<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood insurance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Available Discounts<\/h4>\n                <div> <ul style=\ncolumns:2;\"><\/p>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home renovation credit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roof rating<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recent home purchase<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prior insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gated community<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Nationwide Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/life\/nationwide-review\/\"><span style=\"font-weight: 400;\">Nationwide Life Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/nationwide-review\/\"><span style=\"font-weight: 400;\">Nationwide Renters Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\"><span style=\"font-weight: 400;\">Nationwide Homeowners Insurance Review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/nationwide-insurance-review\/\"><span style=\"font-weight: 400;\">Nationwide Auto Insurance Review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Sample rate data originally provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u0019s U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best Pennsylvania Home Insurance for Premium and Deductible Costs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Sample rate data originally provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u0019s U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Best for Basic Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Erie<\/h2>\n\n\n\n\n\n<section id=\"\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\"><\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> <\/h3>\n                                <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\"><\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                \n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Sample rate data originally provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u0019s U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"penn\" title=\"Best for Low Rates\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Penn National<\/h2>\n\n\n                                                \n\n\n<section id=\"penn-national\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Penn National<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Rates<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Locally-based Penn Nat Insurance has the cheapest home insurance rates in Pennsylvania. The carrier provides plenty of opportunities to save on home insurance premiums through discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=344172-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$499*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Locally-based Penn Nat Insurance has the cheapest home insurance rates in Pennsylvania. The carrier provides plenty of opportunities to save on home insurance premiums through discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Agents and offices throughout the state<\/li>\n                            <li>Higher limits available for higher-value homes<\/li>\n                            <li>Unique discounts not typically seen including smart home devices and wind mitigation construction<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Mobile app received low customer ratings<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\ncolumns:2;\"><\/p>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity theft<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss assessment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Specified additional amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underground utilities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valuable articles<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup\/sump overflow<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"columns: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loss free\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-smoking household\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New homebuyer\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retired daytime occupancy\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recent renovations (last 10 years) of electrical, plumbing or heating\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roof replacement\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire protective devices, including smoke detectors, alarms or sprinkler systems\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Burglar protective devices, including deadbolt door locks and alarms\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Wind mitigation construction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart home protective devices<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Sample rate data originally provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u0019s U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"farmers\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Farmers<\/h2>\n\n\n                                                \n\n\n<section id=\"farmers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Knowing how much home insurance you need can sometimes be hard to figure out. Farmers offers three bundled home insurance packages that take the guesswork out of coverage. On top of that, the carrier offers numerous discounts to help you save.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$756*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">818**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Knowing how much home insurance you need can sometimes be hard to figure out. Farmers offers three bundled home insurance packages that take the guesswork out of coverage. On top of that, the carrier offers numerous discounts to help you save.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Agents and branches available throughout Pennsylvania<\/li>\n                            <li>Choose from Standard, Advanced and Premier home insurance package<\/li>\n                            <li>Claim forgiveness available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited add-ons<\/li>\n                                    <li>Lower customer satisfaction rating than other carriers<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Flood<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Earthquake<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Scheduled personal property<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-smoking<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vocational<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Farmers Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/\"><span style=\"font-weight: 400;\">Farmers auto insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\"><span style=\"font-weight: 400;\">Farmers homeowners insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/farmers-review\/\"><span style=\"font-weight: 400;\">Farmers renters insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Sample rate data originally provided by Bankrate.com<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u0019s U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Green Homes\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Travelers<\/h2>\n\n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Green Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Energy-efficient green homes save you money on your utility bills, but the upgrades are typically more expensive. Travelers Insurance\u2019s green home add-on reimburses more expensive green options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$829*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">803**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Energy-efficient green homes save you money on your utility bills, but the upgrades are typically more expensive. Travelers Insurance\u2019s green home add-on reimburses more expensive green options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Green home coverage<\/li>\n                            <li>File claims online, through the app or over the phone<\/li>\n                            <li><a href=\"https:\/\/agent.travelers.com\/pa\" rel=\"noopener\" target=\"_blank\">Over 1,700<\/a> agents and offices throughout PA<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Few discounts<\/li>\n                                    <li>Lower than average customer satisfaction rating<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Add-on Coverage<\/h4>\n                <div> <ul style=\ncolumns:2;\"><\/p>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Identity fraud<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water backup<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal articles floater<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jewelry\/valuable items<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Special personal property<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early quote<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Travelers Insurance Reviews<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.reviews.com\/insurance\/car\/travelers-review\/\"><span style=\"font-weight: 400;\">Travelers auto insurance review<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.travelers.com\/home-insurance\/coverage\"><span style=\"font-weight: 400;\">Travelers homeowners insurance review<\/span><\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Sample rate data originally provided by Bankrate.com <\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u0019s U.S. Home Insurance Study (most recent available). Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Average Cost of Homeowners\u2019 Insurance in Pennsylvania\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Home Insurance in Pennsylvania<\/h2>\n\n\n\n<p>According to the latest official NAIC Homeowners Insurance Report (current through 2022), Pennsylvania\u0019s average homeowners premium remains below the U.S. average. More recent 2025 market estimates from private researchers (e.g., Bankrate, NerdWallet, Policygenius) for standard $250,000\u0013$300,000 dwelling profiles indicate higher typical premiums than in 2021 and significant variation by ZIP, roof age, and prior losses.<\/p>\n\n\n\n<ul>\n<li>New York: commonly higher than Pennsylvania in recent estimates<\/li>\n\n\n\n<li>New Jersey: often near or slightly above Pennsylvania<\/li>\n\n\n\n<li>Ohio: similar to Pennsylvania for some profiles; varies by source<\/li>\n\n\n\n<li>Maryland: commonly higher than Pennsylvania <\/li>\n<\/ul>\n\n\n\n<p>Pennsylvania homeowners insurance rates are influenced by the area\u0019s weather patterns. The most consequential drivers in recent years have been severe convective storms (damaging straight-line <a href=\"https:\/\/www.health.pa.gov\/topics\/prep\/Pages\/Disasters.aspx\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">wind and hail<\/a>) and winter weather (freeze, ice, snow) that can lead to icy roads, frozen or <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/does-homeowners-insurance-cover-water-damage\/\">burst water pipes<\/a> and roof\/structural damage from the weight of snow. National climate records show the U.S. experienced more than two dozen billion-dollar disasters again in 2024, with multiple events impacting the Mid-Atlantic, including Pennsylvania. Major winter events locally\u0000a0\u0000a0sometimes nicknamed \u001c<a href=\"https:\/\/www.pennlive.com\/politics\/2016\/02\/cost_of_clean-up_after_january.html\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">snowmageddon<\/a>\u001d\u0000a0\u0000a0have produced significant cleanup costs. Pennsylvania homes may also experience fires, tropical system remnants and occasional tornadoes.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap\" title=\"The Cheapest Homeowner Insurance Companies in Pennsylvania\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Westfield<\/td><td>$283<\/td><\/tr><tr><td>Cumberland Grp<\/td><td>$374<\/td><\/tr><tr><td>Penn National<\/td><td>$499<\/td><\/tr><tr><td>Erie<\/td><td>$542<\/td><\/tr><tr><td>USAA<\/td><td>$714<\/td><\/tr><tr><td>Allstate<\/td><td>$729<\/td><\/tr><tr><td>Donegal<\/td><td>$749<\/td><\/tr><tr><td>Farmers<\/td><td>$756<\/td><\/tr><tr><td>Nationwide<\/td><td>$778<\/td><\/tr><tr><td>Travelers<\/td><td>$829<\/td><\/tr><tr><td>Chubb<\/td><td>$917<\/td><\/tr><tr><td>PURE<\/td><td>$1,065<\/td><\/tr><tr><td>State Farm<\/td><td>$1,115<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Historical sample based on $250,000 in dwelling coverage; current 2025 quotes may differ significantly. Use for comparison only.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top1\" title=\"Top 3 Cheapest Homeowners\u2019 Insurance Companies in Pennsylvania\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowner Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<ul>\n<li>Westfield \u0013 historically among the lowest in our 2021 sample<\/li>\n\n\n\n<li>Cumberland Grp. \u0013 historically low in our 2021 sample<\/li>\n\n\n\n<li>Penn National \u0013 historically low in our 2021 sample<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top2\" title=\"Top 3 Most Expensive Homeowners\u2019 Insurance Companies in Pennsylvania\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowner Insurance Companies in Pennsylvania<\/h2>\n\n\n\n<ul>\n<li>State Farm \u0013 among the highest in our 2021 sample<\/li>\n\n\n\n<li>PURE \u0013 among the highest in our 2021 sample<\/li>\n\n\n\n<li>Chubb \u0013 among the highest in our 2021 sample<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"common\" title=\"Common Home Insurance Perils in Pennsylvania\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Common Home Insurance Perils in Pennsylvania<\/h2>\n\n\n\n<p>According to the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Insurance Information Institute<\/a>, most home insurance claims are driven by a few key causes. In Pennsylvania, the most consequential in recent years have been severe convective storms (wind and hail), winter weather (freeze, ice, snow) and related water damage, with fire\/lightning also contributing to high-severity losses. Standard policies cover many of these perils, but exclusions and sublimits apply, making it important to confirm your <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/guide-homeowners-insurance-coverage\/\">coverage<\/a> details.\u0000a0<\/p>\n\n\n\n<p><a class=\"achor-toggles\" href=\"https:\/\/www.nbcphiladelphia.com\/news\/local\/parts-of-pa-vulnerable-to-sinkhole-formation\/2084755\/#:~:text=The%20Pennsylvania%20Department%20of%20Conservation,on%20the%20sinkhole%2Dvulnerable%20karst.\">Sinkholes<\/a> occur in specific karst and historic mining areas and can be highly damaging, but they are far less common statewide than wind and water losses. Wind and hail are frequent in Pennsylvania\u0000a0\u0000a0so much so that <a href=\"https:\/\/www.hailpoint.com\/hail-maps-pennsylvania\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">hail maps<\/a> track larger events\u0000a0\u0000a0and straight-line winds regularly cause <a href=\"https:\/\/www.pahomepage.com\/top-stories\/pictures-strong-winds-cause-widespread-damage-in-northeastern-pennsylvania\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">widespread damage<\/a>. The best homeowners policy is one designed to protect against these common, costly perils.<\/p>\n\n\n\n<p>Lastly, the state\u0019s rivers and proximity to the Atlantic mean many Pennsylvania residents are at risk for flooding from heavy rains, tropical remnants and flash flooding. However, home insurance policies <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-does-homeowners-insurance-cover\/\">do not typically cover<\/a> flood damage; separate flood insurance is needed.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add-ons\" title=\"Home Insurance Add-Ons That Will Further Protect You\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Add-on home insurance coverage in Pennsylvania<\/h2>\n\n\n\n<p>Some common hazards in the state are not automatically covered by a standard home insurance policy. Purchasing an add-on or separate policy can round out your protection\u0000a0\u0000a0especially for flood, earth movement and infrastructure-related losses. Under FEMA\u0019s Risk Rating 2.0, NFIP flood pricing is property-specific and may change at renewal; the growing private flood market can offer higher limits, additional living expense and shorter waiting periods in some cases.<\/p>\n\n\n\n<ul><li>Flood insurance: Nationwide and Farmers both facilitate purchasing flood insurance directly. If your insurance carrier doesn\u0019t offer to assist with this, you can also buy coverage through the federally-backed <a href=\"https:\/\/www.fema.gov\/flood-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">National Flood Insurance Program<\/a>.\u0000a0\u0000a0<\/li><li>Earthquake coverage: Some areas of Pennsylvania are more prone to earthquakes, including <a href=\"https:\/\/earthquaketrack.com\/p\/united-states\/pennsylvania\/recent\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Schaefferstown and Philadelphia<\/a>. Coverage is typically offered as a separate policy with high percentage deductibles; check options and limits with your agent if you are concerned about earthquake damage.\u0000a0<\/li><li>Sinkhole coverage: Standard home insurance excludes earth movement. In at-risk areas, discuss optional sinkhole endorsements with your insurer and review Pennsylvania\u0019s state Mine Subsidence Insurance program for mine-related ground movement.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Helpful Resources for Pennsylvania Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Pennsylvania Home Insurance FAQ<\/h2>\n\n\n<div id=\"block_6914dbe2ac69d\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6914dbe2ac69e\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6914dbe2ac69f\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\"><\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            \n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"method\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using third-party agency ratings for customer experience and financial stability, current pricing research (official NAIC benchmarks through 2022 and 2025 quotes-based estimates), and coverage options relevant to Pennsylvania (e.g., water backup, service line, ordinance or law) to determine which might be the best providers.\u0000a0<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.<\/li>\n\n\n\n<li>Customer Experience: We reviewed the National Association of Insurance Commissioners\u2019 National Complaint Index and compared each homeowners insurance company\u2019s complaint rating.<\/li>\n\n\n\n<li>Customer Satisfaction: With J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2025 U.S. Home Insurance Study<\/a>, we assigned a score to each company based on the rating it received.<\/li>\n\n\n\n<li>Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company\u2019s financial stability.<\/li>\n\n\n\n<li>Discounts: We reviewed and compared the number of discounts advertised on each home insurance company\u2019s website. The more available discounts, the higher the score in this metric.<\/li>\n<\/ul>\n\n\n\n<p>Rate examples in legacy tables were based on quoted annual premiums from Bankrate.com; for current-year context, we also reference 2025 statewide estimates from Bankrate, NerdWallet and Policygenius. These are sample rates for comparative purposes only. Your quotes may be different.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report Pennsylvania homeowners insurance premiums have risen since 2021. The latest official statewide average from the NAIC is available through 2022, and 2025 quotes-based estimates from private researchers (e.g., Bankrate, NerdWallet, Policygenius) indicate higher typical costs than earlier years.a0 Cheapest options vary by ZIP code and home profile; recent Pennsylvania comparisons often find regional [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354316,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[22150],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Home Insurance Companies in Pennsylvania of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"To find the best homeowners insurance in Pennsylvania, we evaluated all of the companies\u2019 market shares, professional ratings, and more.\" 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