Homeowners insurance in Pennsylvania: premium by ZIP code
Pennsylvania's median ZIP code paid $1,015 per policy in 2022, the lowest of any state, across 1,524 ZIP codes.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Pennsylvania (median ZIP code)
$1,015
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,352.
| Change from 2018 to 2022, after inflation | +2.9% |
| Premium per policy in 2018 | $986 |
| Premium per policy in 2022 | $1,015 |
| 2022 premium carried to September 2026 (BLS index) | $1,352 |
| Policies not renewed by the insurer, 2022 | 0.42% |
| Claims paid per 100 policies, yearly average | 3.6 |
| Average claim paid, 2018 to 2022 (adjusted) | $11,664 |
| Cancelled for nonpayment, 2022 | 0.93% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 1,524 ZIP codes in 67 counties of Pennsylvania in the Treasury file · not a quote
Pennsylvania had the lowest median homeowners premium of any state in the Treasury file: $1,015 per policy in 2022, against $1,551 nationally, across 1,524 ZIP codes. It barely moved after inflation from 2018, +2.6%. The reasons are in the claims: insurers paid 3.6 claims per 100 policies a year, at $11,664 on average, ranked 49 of 51 for size, and the paid loss ratio never passed 34%. Allegheny County, Pittsburgh, paid $990 and Westmoreland $923, both below the state median. The southeast pays more: Montgomery County $1,422, and its ZIP 19035 on the Main Line $5,490. Nonrenewals were among the lowest, 0.42%. The Insurance Placement Facility of Pennsylvania covers homes declined elsewhere. The data stop in 2022, and the national price index rose fast after.
Western Pennsylvania
Allegheny County had 94 ZIP codes in the file, the most of any county in the state, and a median of $990 in 2022. Westmoreland County paid $923 and Washington County $967. Older houses on hilly lots are common around Pittsburgh, and the cost to rebuild them can exceed what they would sell for, which makes the dwelling limit worth checking. Coal mining under parts of the region causes subsidence, which homeowners policies exclude; the state runs a separate mine subsidence insurance program.
Philadelphia's suburbs
Montgomery County paid $1,422, after a rise of +2.0%. The dearest ZIP codes in the state were 19035, Gladwyne, at $5,490 and 19041 in Delaware County, at $4,762: large houses with high limits. The cheapest were 18056 in Berks County at $712 and 17850 in Northumberland County at $723. The state's dearest tenth of ZIP codes paid over $1,476, but the cheapest tenth paid under $859.
A Pennsylvania premium carried to today
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The 2022 premium at September 2026 homeowners insurance prices
$1,352
| Same premium carried with general inflation (CPI-U) instead | $1,169 |
| Index rise 2018 to 2022, for comparison | 6.9% |
| Consumer prices 2018 to 2022 | 16.5% |
Why losses stayed low
Paid claims per 100 policies went 4.1, 4.1, 3.2, 3.4, 3.3 from 2018 to 2022, and the paid loss ratio 34%, 34%, 30%, 31%, 32%. Pennsylvania has little hail compared with the Plains, no hurricane coast, and few wildfires. Its claims are mostly winter water damage, wind and fire. The remnants of Ida in 2021 flooded parts of the southeast, but flood from rising water is not covered by homeowners policies and does not appear in these figures. With small claims, a repair close to the deductible is often better paid directly; the claim calculator compares the two.
Renewals and the placement facility
The median nonrenewal rate stayed low, 0.42% in 2022, ranked 46 of 51, as did cancellations for nonpayment, 0.93%. The Insurance Placement Facility of Pennsylvania is the state's FAIR plan, writing basic and broad dwelling fire policies for homes that cannot find a private insurer. The Pennsylvania Insurance Department reviews rates and complaints.
Pennsylvania, year by year
| Year | Pennsylvania median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $986 | $1,445 | 0.49% | 4.1 | 34% |
| 2019 | $989 | $1,469 | 0.16% | 4.1 | 34% |
| 2020 | $991 | $1,491 | 0.24% | 3.2 | 30% |
| 2021 | $1,001 | $1,521 | 0.43% | 3.4 | 31% |
| 2022 | $1,015 | $1,551 | 0.42% | 3.3 | 32% |
The Pennsylvania counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Allegheny County | 94 | $961 | $990 | +2.4% | 0.47% | $9,770 |
| Westmoreland County | 63 | $899 | $923 | +2.3% | 0.49% | $9,045 |
| Montgomery County | 55 | $1,398 | $1,422 | +2.0% | 0.38% | $14,210 |
| Washington County | 49 | $960 | $967 | +2.9% | 0.53% | $11,731 |
| Schuylkill County | 47 | $970 | $1,022 | +4.9% | 0.41% | $10,516 |
| Bucks County | 45 | $1,643 | $1,687 | +2.8% | 0.33% | $15,788 |
| Lancaster County | 45 | $941 | $994 | +5.2% | 0.33% | $11,184 |
| Philadelphia County | 45 | $1,584 | $1,711 | +5.5% | 0.52% | $14,098 |
Highest and lowest premiums per policy, Pennsylvania ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 19035 | Montgomery County | $5,490 | +1.2% | 0.42% |
| 19041 | Delaware County | $4,762 | +2.0% | 0.56% |
| 19437 | Montgomery County | $4,622 | +12.1% | 0.00% |
| 19085 | Delaware County | $4,562 | +5.0% | 0.50% |
| 19490 | Montgomery County | $4,434 | +22.8% | 0.00% |
| 18056 | Berks County | $712 | -9.4% | 0.00% |
| 17850 | Northumberland County | $723 | -1.7% | 0.00% |
| 17729 | Potter County | $725 | -8.3% | 0.79% |
| 16228 | Armstrong County | $738 | +7.2% | 0.00% |
| 15827 | Elk County | $739 | -0.5% | 0.00% |