Our editorial team analyzed regional and national home insurance companies that sell policies in Pittsburgh to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
The average cost of homeowners insurance in Pittsburgh is $1,214 per year for a $300,000 policy with a $1,000 deductible, according to Insurify data. Compared to other populous Pennsylvania cities like Philadelphia, Pittsburgh has lower homeowners insurance rates.
While you may be able to enjoy lower rates depending on where you’re located, you might consider adding flood insurance to help protect your home from a range of events.
Here’s what you need to know about finding the best home insurance in Pittsburgh.
Best home insurance companies in Pittsburgh
If you’re looking for homeowners insurance in Pittsburgh, you have many solid options to choose from. The best insurance company for you will depend on what you’re looking for and whether you’re eligible for potential discounts, the average rate, and customer service scores.
To help you get started, here are some great home insurers in Pittsburgh.
Best company for new homeowners: Allstate
Best company for optional coverage: Westfield
Best company for flood insurance: Erie
Cheapest home insurance companies in Pittsburgh
The cheapest homeowners insurance in Pittsburgh comes from Cumberland Insurance Group, with average annual premiums as low as $498. Below, you can check out other home insurance companies offering affordable policies.
How much is home insurance in Pittsburgh?
The average cost of homeowners insurance in Pittsburgh is $1,214 for a $300,000 policy and a $1,000 deductible. If you choose a $500 deductible, the annual average is $1,265.
Many factors affect your insurance premiums, such as the age of your home, its building materials, location, proximity to fire and protective services, type of coverage, and your deductible.1 All these factors may elevate certain risks to your home and increase the cost of home insurance.
Cost of home insurance by dwelling coverage in Pennsylvania
Your home is a valuable asset, and your home insurance policy helps protect its structure through dwelling coverage. So, if anything happens to your home, your dwelling coverage can help pay for any covered claims. As coverage limits increase, so do average annual premiums.
The table below shows the average annual premiums in Pennsylvania by dwelling coverage amount.
Cost of homeowners insurance by deductible amount
Your home insurance helps cover the cost of repairing any home damage. But before you can access your insurance benefits, you’re responsible for a deductible. A deductible is generally a flat rate, such as $500 or $1,000, that you must pay in the event of a claim before your insurance kicks in.
A high deductible can save you money and lower your insurance premiums because you’re paying more up front. On the other hand, a lower deductible can hike up your premiums.
Here’s how your deductible affects your annual rate in Pittsburgh.
Average cost of home insurance in other cities in Pennsylvania
The average cost of homeowners insurance across Pennsylvania varies by city. It can even vary by ZIP code within the same city. Insurance companies evaluate several risk factors when calculating premiums, which can vary widely by city. For example, Philadelphia has higher crime rates, which increase home insurance costs.
What to know about owning a home in Pittsburgh
If you’re a Pittsburgh homeowner, here are some things to keep in mind:
If you’re looking for coverage as a homeowner, you can consider lowering costs by bundling insurance policies, such as auto and home or auto and renters.
Pittsburgh home insurance FAQs
If you’re searching for affordable homeowners insurance in Pittsburgh, check out answers to these common questions.
The average monthly cost of homeowners insurance in Pittsburgh is $101, or $1,214 per year, according to Insurify data. This is the average rate for a $300,000 policy with a $1,000 deductible.
Cumberland Insurance Group has the cheapest homeowners insurance in Pittsburgh, with an average annual premium of $498. But which company is the most affordable for you depends on your insurance coverage and any discounts you qualify for.
No. A standard homeowners policy doesn’t cover floods. You must purchase a separate flood insurance policy to help cover flood damage. You can find flood insurance policies through the National Flood Insurance Program.
The 80% rule in homeowners insurance states that homeowners should insure their homes for a minimum of 80% of their replacement cost. If you don’t meet this minimum, your insurance company may not pay the full claim.
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