Homeowners Insurance PA

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Get Homeowners Insurance in Pennsylvania

Homeowners Insurance PA Pennsylvania homeowner’s insurance helps those in the Keystone State with protection for your home and belongings if they are damaged in an accident. It also helps provide liability protection if someone is injured on your PA property. Homeowners can face challenges like vandalism, floods and fires which can cause significant damage. Whether you live in Pittsburgh, Philadelphia, Scranton, Erie, or anywhere in between, The Hartford homeowner’s insurance is ready to help protect you and your family.
 

Types of Pennsylvania Homeowner’s Insurance

Unlike Pennsylvania car insurance, homeowner’s 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.
 
PA homeowner’s policies from The Hartford come with a wide array of coverages. Here are a few home insurance coverage options and 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 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.
 

Average PA Homeowners Insurance Costs

Pennsylvania Home Insurance According to the Insurance Information Institute (III), the average cost of a homeowner’s insurance premium in Pennsylvania is $913, making PA the 38th most expensive state in the country for home insurance.
 
In 2016, direct premiums written by property/casualty insurance companies in Pennsylvania totaled $23.7 billion. Premiums written by life/health insurance companies totaled $37.7 billion (including life insurance, annuities, accident and health insurance, deposit type funds and other considerations).2
 
According to the III, different factors can influence the premiums you pay for insurance in the Keystone State, including:
 
  • The total square footage of your PA home. The more significant the house, the higher the premiums.
  • The cost to build in your area, factoring in construction materials and other unique features.
  • The local crime of your city, especially near your dwelling.
  • The likelihood of certain types of disasters such as flooding, hurricanes or tornadoes.3

More PA Homeowner’s Insurance Coverages:

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.
 
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 while your home is unlivable. 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.4 However, normal wear and tear are excluded.
 
Full Replacement Cost allows for the reimbursement of an item at today’s cost if you’ve replaced the damaged item with a like, kind and quality item.5
 
Advantage Coverage Package allows you to bundle popular coverages. These include personal injury liability insurance, reimbursement for replacing locks and more.6
 
  • “New for Old” Protection‡ helps 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 helps cover potential damages arising from a libel or slander claim.
  • Reimbursement for Replacing Locks helps pay up to $500 to replace locks, with a $100 deductible, if your key is lost or stolen.
  • Identify Fraud Expense Coverage helps compensate up to $50,000 of out-of-pocket expenses to help you recover after fraud or identify theft. This coverage can also help cover lost income and legal fees.
Home Advantage Plus Coverage Package allows you to add additional coverages to your home advantage insurance policy. You can add equipment breakdown coverage and a disappearing property‡‡ deductible as an added benefit.7
 
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)

Pennsylvania Home Insurance Discounts

There are many ways to save on your homeowner’s insurance in PA, and we offer many types of homeowner’s insurance discounts at The Hartford to help lower you premiums.
 

Bundled Insurance Discount

If you already have a car insurance policy with The Hartford, bundling it with your Pennsylvania homeowner’s 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.
 

Retiree Credit

Your golden years in Pennsylvania should be fun, relaxing and cost-effective. That’s why we offer credits to retirees and those who work less than 24 hours per week.
 

Home Security Discount

Installing security devices such as burglar alarms and sprinkler systems in your PA home can help lower your premium. But you don’t have to break the bank to save. Simply installing safer door locks or additional smoke alarms can help you get a discount, too.
 
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.
 
 
‡ Some benefits, such as the Contents Replacement Coverage, are only available with the optional Home Advantage Plus package. The Home Advantage packages include increased limits for your special items. A policy without these added benefits is also available. This is an optional coverage and may not be available in all states.
 
** Medical benefits are calculated on the basis of usual, customary, and reasonable charges.
 
*** Bundling savings are not available in Hawaii and Massachusetts. In New Jersey, the discount is applied to the homeowner’s insurance policy only.
 
2 “A Firm Foundation: How Insurance Supports the Economy,” Insurance Information Institute, https://www.iii.org/publications/a-firm-foundation-how-insurance-supports-the-economy/state-fact-sheets/pennsylvania-firm-foundation
 
3 “A Firm Foundation: How Insurance Supports the Economy,” Insurance Information Institute, https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
 
4 Equipment Protection Advantage 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.
 
5 The Hartford will pay the full cost to rebuild your home, even if it costs up 125% of your home insurance policy’s coverage.
 
6 Ideal for customers who want extra protection above their base policy for certain coverages.
 
7 The Hartford’s most popular package and includes all of the features of Home Advantage, plus extra benefits such as the Disappearing Property Deductible‡‡ and Equipment Protection Advantage
‡‡ Some benefits, such as the Disappearing Property Deductible, are only available with the optional Advantage Plus package. A policy without these added benefits is also available. To qualify for the Disappearing Property Deductible, homeowners must have no claims or losses for three consecutive years in most states. The Advantage Plus package option and the Disappearing Property Deductible benefit are not available in all states.
 
Additional disclosures below.
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 Automobile 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 by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners 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 CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, 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 Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some 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 Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.

* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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