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Home Insurance and Car Insurance in Pennsylvania
Homeowners Insurance in
Buying homeowners insurance in Pennsylvania is important due to the wide variety of losses the state often sees. From fires and flooding to frozen pipes and snow-packed roofs, there’s no shortage of hazards that could cause damage to your home. Home insurance can help protect you from bearing the brunt of the worst of these disasters.
Before you buy Pennsylvania home insurance, consider whether you want an actual cash value policy or one that covers the full replacement cost. What is the difference?
Actual cash policy will pay your policy limit or the cash value minus depreciation, whichever is lower.
If you file a claim and have a full replacement cost policy, you can often have the entire cost of rebuilding or repairing your home covered. For example, if your home will cost $250,000 to rebuild but if it’s valued at $200,000, you may be responsible for the remaining $50,000.
Homeowners Insurance Coverage Options in
The kinds of coverage offered by an insurance company differs based on state and licensing laws, but most Pennsylvania homeowners insurance policies will include most of the following types of home insurance coverage:
- Dwelling coverage is a standard policy that covers the actual physical structure of your home. If you have an attached garage or other structure, this will be covered as well.
- Personal property coverage works to cover your household belongings. If it’s inside or outside your home, it is covered.
- Personal liability coverage protects you in the event someone is injured on your property and you’re found at fault for their injury. It also covers damage to another person’s property.
- Guest medical protection coverage exists to cover people who are injured on your property, regardless of who may be at fault.
Common Causes of Loss in
Homeowners insurance companies paid out nearly $15 billion due to claims in 2020.1 The state’s position in the northeast and its varied geography puts it at risk of several types of perils and hazards, such as:
- Fires, including wildfires, which can impact the wooded and mountainous areas of the state. This is especially true during dry periods.
- Snowstorms occur during the winter months, sometimes bringing up to two feet or more of snow. Heavy snow can damage roofs and lead to interior damage.
- Frozen pipes are a common problem in the colder months, especially because a significant number of houses in the state are older. Insulating pipes can help prevent possible damage, but icy temperatures are still a risk.
- Floods can occur as a result of heavy rains, both from thunderstorms and from remnants of hurricanes after they make landfall.
Additional Coverage Options Recommended for Homeowners
Standard home insurance policies cover several named and unnamed perils, but there are certain policy add-ons that may make sense depending on where you live. Pennsylvania homeowners may want to consider the following additional coverage options:
- Flood insurance is almost always recommended as an additional policy because most standard home insurance policies do not cover flooding. Flood insurance may be purchased from the National Flood Insurance Program (NFIP).
- Sinkhole insurance may be a recommended purchase for you if you live in a part of the state prone to sinkholes. Pennsylvania is one of six states particularly vulnerable to these types of losses.2
- Water backup coverage can help offset the cost of damages due to sewer backups or clogged drain lines.
Our Home Insurance Partners in
At SelectQuote, we work with some of the most trusted** home and auto insurance companies in Pennsylvania to help you find affordable coverage. We’re able to present you with unbiased recommendations by comparing quotes from several carriers at one time, all based on your unique insurance needs.
What is the average home insurance cost in ?
The average Pennsylvania home insurance rate for SelectQuote customers is $83.13 per month.*** Your rate will vary based on several factors, including:
- Your credit history
- The age and condition of your home
- Your claims history
- Your policy limit
- Your deductible
- Any applicable discounts
Homeowners Insurance Discounts in
Shopping with SelectQuote not only means shopping simultaneously with a variety of carriers, it also means we can help you secure policy discounts on your homeowners insurance. Common discounts you might find as you shop for coverage with us include:
- Customer loyalty discounts
- Discounts for installing a home security system or other anti-theft measures
- Discounts for new construction
- Discounts for installing a new roof, windows, etc.
- Discounts for bundling your home and auto insurance under one policyv
Bundle Your Home and Auto Insurance to Save Money
A bundled home and auto insurance policy can offer significant savings. The average SelectQuote customer who bundles their home and auto insurance can save up to $63* per month on coverage.
Average Home and Auto Insurance Rates in
The following rates are real average home and auto insurance premiums paid by SelectQuote customers in Pennsylvania. Your own rates will vary based on factors such as your credit rating, driving history, claims history, deductible and more.
| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
|---|---|---|---|
| Harrisburg | $81.77 | $208.28 | $151.47 |
| Philadelphia | $90.66 | $313.82 | $105.11 |
| Pittsburgh | $79.41 | $203.62 | $96.14 |
| Reading | $115.88 | $369.80 | $140.01 |
| York | $73.57 | $166.26 | $63.57 |
Average monthly rates are from policies by SelectQuote customers prior to 01/2022
Auto Insurance in
For the nearly 8.9 million licensed drivers in Pennsylvania,3 auto insurance isn’t just something nice to have for financial protection—it’s a legal necessity. Depending on what kind of car you drive, you may need minimum legal coverage or a comprehensive solution that protects you against accidents or auto-related losses. SelectQuote can help you find the right auto insurance policy for you that works with your budget.
Auto Insurance Laws and Requirements
Pennsylvania requires all drivers to carry auto insurance to prove they can bear responsibility in the aftermath of a car accident they cause. This insurance must be sold by all insurance companies operating in the state of Pennsylvania and is known as bodily injury liability coverage and property damage liability coverage.
Liability insurance is only one of several different types of auto insurance coverage:
- Liability insurance pays for damages caused by you if the accident is your fault. It will also pay for medical bills incurred by the other driver or their passengers. Pennsylvania requires drivers to have $15,000 of coverage for injuries per person, up to $30,000 per accident. It also requires $5,000 of coverage for property damage.
- Uninsured/underinsured motorist coverage pays for medical expenses when the other driver is at fault and doesn’t have sufficient insurance coverage.
- Personal injury protection insurance can help pay for medical or funeral expenses for you or your passengers.
- Collision coverage helps cover expenses for repairs or replacement for your vehicle if it’s damaged in an accident.
- Comprehensive coverage can help pay for repairs or replacement for vehicles that are stolen or damaged by storms, vandalism or animals.
- Gap insurance pays the difference between what you owe on your vehicle and what it’s valued at when totaled after an accident.
All data on average expenditures is provided by the Insurance Information Institute.
| Types of Coverage | Minimum State Requires |
|---|---|
| Bodily Injury Liability | $15,000 per person / $30,000 per accident |
| Property Damage Liability | $5,000 |
| Uninsured Motorist | Not required |
| Underinsured Motorist | Not required |
| Personal Injury Protection | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Teen Driving Laws
In addition to auto insurance requirements, young drivers are also required to obtain a graduated driver’s license4 that begins with a learner’s permit that has restrictions on passengers, nighttime driving and a ban on cell phone use.
After turning 18, drivers are allowed to apply for a full, unrestricted license. Some young drivers may meet qualifications and be able to get their unrestricted license sooner, such as completing driver’s education courses and maintaining a clean driving record for 12 months.
Car Registration Information
To register your vehicle in Pennsylvania—either as a new resident or as the owner of a new vehicle—you must provide the following5:
- A valid title for all vehicles to be registered
- Proof of valid Pennsylvania auto insurance, including insurance cards or the declarations page of a policy
- A tracing of the VIN or verification of the VIN by an inspection mechanic or notary at a dealership or issuing agent
- Appropriate fees
- A valid Pennsylvania driver’s license
What is the average car insurance cost in ?
The average Pennsylvania car insurance premium is $203.31,**** but your rates will vary based on:
- Your ZIP code
- Your policy limits and coverage options
- Your make, model and year of automobile
- Your annual mileage
- Your driving history
Our Auto Insurance Partners in
SelectQuote works with some of the most trusted** auto insurance companies in Pennsylvania and other states to help you find affordable coverage to meet your needs. Whether you need minimum legal coverage or full coverage to protect a brand new car, we compare quotes and offer unbiased recommendations.
Home and Auto Insurance Frequently Asked Questions
How do I shop for insurance in Pennsylvania?
Before you sit down to make a decision, determine the type of coverage you need based on your situation. Once you know the policy limits you want, compare quotes from several companies at once. Even if one company’s coverage looks more expensive, there may be applicable discounts that can help you save.
How should I buy home insurance in ?
- Determine your coverage needs. Make an inventory of your home’s contents and do your best to calculate how much it would cost to rebuild your home after a disaster.
- Compare quotes from several companies at once. Don’t forget to ask about applicable discounts. SelectQuote can help make this step easy and quick!
- Don’t just focus on price. Some policies may be better than others based on deductibles, customer service and ease of filing claims.
- Revisit your insurance policy each year and make necessary updates based on changes in your living situation or budget.
How should I buy auto insurance in ?
- Determine the minimum coverage you need to drive legally. Ensure your policy choices meet these limits.
- Determine additional coverage requirements. If your vehicle is financed, you probably need to buy full coverage to satisfy your loan requirements.
- Compare quotes from several companies at once, including policy limits, deductibles, rates and discounts.
- Revisit your auto insurance each year. You may be able to save money based on new information or because your needs change. Don’t forget to bundle home and auto insurance to save even more!
Do you need car insurance in Pennsylvania?
Pennsylvania requires all drivers—including teenage drivers—to carry some form of liability insurance. This helps show you are able to pay for damages you may cause in the event of an auto accident that is your fault.
Do you need renters insurance in Pennsylvania?
Renters insurance is often required by landlords and apartment complexes, but it may not be legally required. Affordable renters insurance is pretty easy to find and you can even save money by bundling it with your auto insurance policy.
Is Pennsylvania a no-fault auto insurance state?
Insurance is both a fault and no-fault auto insurance state. You are allowed to choose between limited injury or full injury coverage.
What this means for you is that regardless of who is found to be at fault in an accident, your own insurance policy will provide payment for medical treatments or other out-of-pocket losses by anyone covered by the policy. There are certain quirks that allow you to opt out of the no-fault protection.
SelectQuote Can Shop Home or Auto Insurance to Help Save You Time and Money
For customers who are brand new to buying home and auto insurance or those customers who simply want to switch and save, SelectQuote offers unbiased recommendations based on your unique needs. We can help you purchase insurance for your home or car with a full lineup of quotes. Get started on your insurance journey today.
Sources
- https://www.iii.org
- https://www.americangeosciences.org
- https://www.statista.com
- https://www.penndot.pa.gov
- https://www.dmv.pa.gov
*Average customer who bundles savings based on an average of new SelectQuote Auto & Home Insurance policyholders between 1/9/2020 and 1/10/2021. Individual savings may vary, and are not guaranteed. Coverages and discounts subject to state availability and individual eligibility.
**Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports (which include Best’s Credit Ratings™), visit the A.M. Best website at http://www.ambest.com. See Guide to Best’s Credit Ratings™ for explanation of use and charges.” “Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of SelectQuote or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.” A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at http://www.ambest.com/ratings/notice
***Average rates calculated based on the total number of SelectQuote home insurance customers in . Rates will vary based on location, age and condition of home and other factors.
****Average rate is taken from all drivers who have purchased their auto insurance policy from SelectQuote. Rates will vary based on the level of coverage you purchase, your ZIP code, and other factors.
