Pittsburgh Homeowners Insurance
Find the right homeowners insurance policy for you.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
With more than 300,000 residents, Pittsburgh is the second largest city in Pennsylvania. This city offers its residents much in the way of professional sports, dining, entertainment, culture, employment and higher education. Pittsburgh, PA has an abundance of affordable housing, so it is little wonder that so many people are happy to set roots here. If you are one of many homeowners in this beautiful and vibrant city, you will want to be sure to protect your investment with a suitable Pittsburgh home insurance policy.
Comparison shopping enables you to get your home insurance policy at a competitive price, and independent insurance agents in the Trusted Choice® network make it easy. These agents can gather Pittsburgh home insurance quotes from a variety of highly rated providers so that you can easily find an affordable policy that meets your coverage and budgetary needs. Find an agent near you to learn more.
- National yearly premium average: $1,034
- Pennsylvania yearly premium average: $804
- 36th most expensive premium in the U.S.
The good news for those shopping for Pittsburgh home insurance is that homeowners in Pennsylvania pay far less for their coverage than most people across the nation. This is mainly because the risk of damage caused by severe weather events is relatively low in many parts of state. Although the figures listed above may give you a general idea of what your costs might be, they are just averages. The only way to get your specific rate is to request quotes from a few competing insurance companies.
These insurers take a number of factors into consideration when they calculate your Pittsburgh home insurance rates. Costs can be influenced by such things as these:
- The ZIP code where your house is located
- The materials from which your house is made
- The value and estimated rebuilding cost of the house you are insuring
- The amount of property coverage you need
- The amount of your deductible
- Your claims history and, in some cases, your credit score
To get your coverage at the best price, it is recommended that you compare at least three Pittsburgh homeowners insurance quotes before making a selection.
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Second Home and Vacation Home Insurance
If you own more than one house, your extra properties also need to be covered by home insurance policies. With a second home or a vacation home, your coverage needs are a bit different, particularly if you rent a home to tenants while you are not using it or if you leave your property vacant for long periods of time. Be sure to discuss your coverage needs with your Trusted Choice agent, who can help you find suitable policies for these types of homes. You may even be able to save money on all your policies by bundling them together with the same insurance company.
Number of Thefts in Pennsylvania
- National number of burglaries: 37,814
- Pennsylvania number of burglaries: 52,034
The burglary rate in the state of Pennsylvania is much higher than the national average, and the rate in the city of Pittsburgh is on par with the state average. In 2013, there were 2,173 burglaries reported in this city. That is an average of 7.06 burglaries per 1,000 homes.
You can reduce your risk of loss due to property crimes by taking precautionary measures, like keeping your doors and windows locked; stopping mail delivery and using lights on timers when you are away on vacation; and keeping your entryways well-lit and visible. You can also install a burglar alarm system, which may earn you a discount on your home insurance.
If your home is burglarized, your Pittsburgh homeowners insurance company compensates you for your losses. A Trusted Choice agent can help you be sure that you have the right coverage in place for all of your valuables.
Number of Catastrophes in Pennsylvania
- Number of catastrophes in Pennsylvania: 515
- Number of tornadoes in Pennsylvania: 12
- Amount of property damage in Pennsylvania: $18,890,000
- 1 in 15 insured homes has a claim each year
Your Pittsburgh homeowners insurance policy provides you with compensation for damage to the structure of your home and contents in the event that they are damaged or destroyed by a covered catastrophe such as a fire, an electrical storm or heavy winds. It is important that you review with your Trusted Choice agent what is and is not covered by your policy so that you do not have coverage gaps that may result in large financial losses for you.
What Are the Risks in Pittsburgh, PA?
Because of the hills and mountains surrounding the Pittsburgh area, residents face very little risk of tornado damage, though these events do, on rare occasion, happen. Microbursts are another rather rare, but very real, threat to your home and property. Many residents still clearly remember the 2002 microburst that caused major damage to Kennywood Park and resulted in several injuries and a fatality.
In addition, harsh winters with heavy snow and ice accumulation can damage roofs and gutters; and severe thunderstorms can cause a great deal of property damage. In all of these cases, your Pittsburgh home insurance is likely to provide coverage for your losses, but it is important that you review any exclusions that may be included in the policies you are considering.
For example, flood insurance is specifically excluded from home insurance coverage, and flooding in Pittsburgh, with its three rivers and many streams and waterways, is quite common. Fortunately, your Trusted Choice agent can help you supplement your Pittsburgh homeowners insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).
Save on Home Insurance
Our independent agents shop around to find you the best coverage.
Compare Pittsburgh Home Insurance Quotes
The only way you can be sure that you are getting your Pittsburgh home insurance coverage at a reasonable rate is by requesting and reviewing costs and offerings from a variety of reputable insurers. Unfortunately, consumers often find comparison shopping to be time-consuming and frustrating, so they don’t bother. That is why savvy homeowners in Pittsburgh turn to agents in the Trusted Choice network for help.
Independent agents are free to work with a number of highly rated insurance companies. They can therefore quickly and easily provide you with a selection of Pittsburgh homeowners insurance quotes for policies that have been customized to meet your personal coverage needs. Find a Trusted Choice agent with an office in or near your Pittsburgh neighborhood to get started.