Best Homeowners Insurance In Pennsylvania 2024

Despite Nationwide’s A+ (Superior) financial strength rating from AM Best, its customer satisfaction leaves much to be desired, based on various negative online reviews. However, it maintains a strong presence in Pennsylvania with numerous agents and offices.

Homeowners with Nationwide’s standard policy enjoy rare protections, such as credit card fraud coverage and ordinance or law coverage for rebuilding to meet modern code standards, benefits that many other insurers don’t provide.

You have the opportunity to improve your coverage by opting for Better Roof Replacement, which will pay for superior roofing materials should a qualifying event necessitate replacement.

Brand New Belongings provides replacement cost coverage for your belongings. If they’re damaged or destroyed, Nationwide will reimburse you for the depreciated value, and you can submit receipts for new items to recover the cost difference.

State Farm ranked first due to its extensive agent network in Pennsylvania, strong customer satisfaction, and affordable pricing. Its excellent J.D. Power ratings for service are particularly important, especially given the availability of agents, claims adjusters, and offices in Pennsylvania after severe storms like tornadoes.

State Farm allows you to choose a basic homeowners policy and personalize it with additional coverage options. These might include rebuilding coverage to meet new legal codes, identity theft protection, and coverage for valuables such as jewelry and collectibles. State Farm has an A++ rating from AM Best, showing its outstanding financial strength.

You can begin a quote with State Farm online, but completing the purchase will require assistance from a local agent. Policyholders can access their accounts through the website or mobile app, where they can also file claims and sign up for paperless billing. Additionally, the website offers a resource library to explore insurance topics.

In Pennsylvania, Chubb is known for its affordable home insurance rates, catering specifically to high-value homes. Their competitive premiums include extended replacement cost coverage, which means your belongings can be repaired or replaced, regardless of depreciation. Chubb also has a reputation for excellent financial strength and customer service.

With 11 home insurance discounts, Allstate surpasses the industry norm of seven. My analysis highlights some of these discounts as being quite unique.

At Allstate, you can take advantage of these discounts:

• Bundle: Receive a discount of up to 25% when you bundle your home and auto insurance.
• Automatic Payment: You’ll get 5% off by choosing automatic payment for your policy.
• Loyalty: Stay covered with Allstate and get up to 10% off.
• Home Buyer: Allstate provides a discount for people who’ve recently purchased a home.
• New Home: Insure a new build and receive a discount.
• Claims Forgiveness: Keeps your rates steady and avoids increases even after filing a claim.
• Claims-Free: Enjoy 5% back on your renewal every year that you remain claims-free.
• Deductible Reward: Receive an instant $100 deduction on your deductible as a sign-up bonus.
• Responsible Payment: Enjoy extra savings for demonstrating a strong payment record.
• Early Payment: You can earn up to 10% off by purchasing your next policy a week before your current one ends.
• Protective Device: You can save on your premium by installing devices like fire alarms or burglar alarms.

With nine optional coverage types available, Allstate’s homeowners insurance almost doubles the industry average of five. In addition to standard choices like identity theft protection and scheduled personal property, they also feature a distinctive yard and garden coverage that enhances limits for replacing landscaping and lawn equipment, such as riding mowers.

Farmers ranks at the top not only for the benefits it offers but also for its outstanding “online experience,” which communicates these perks and discounts efficiently to both potential and existing customers. The perks include:

• Guaranteed Replacement Cost: Regardless of the final price, Farmers will pay the full cost to restore your home.
• Claim Forgiveness: If you go five years without a claim, Farmers won’t increase your premiums when you file a claim.
• Multi-Policy Savings: Bundling multiple policies with Farmers can help you save up to 34% on your home insurance.
• Declining Deductible: Earn $50 annually towards reducing your deductible as long as your policy remains active.
• Claim-Free Discount: After maintaining three years without claims, you can get a discount on your home insurance.

Farmers’ score of 9.3/10 incorporates its lower customer satisfaction ratings in policyholder service according to J.D. Power.