Pennsylvania Home Insurance (2026): Travelers Home & Marine Insurance filed +7.4% effective 2024-08-01
As of May 2026, Rate Authority's analysis of Pennsylvania homeowner insurance rate filings draws on Rate Authority (NAIC 2023 baseline + 0 DOI filings). Source: Rate Authority, May 2026.
Last updated May 2026 · Rate Authority.
Pennsylvania home insurance: 2 carrier rate filings tracked. Most recent notable: Travelers Home & Marine Insurance filed +7.4% effective 2024-08-01 (filing PA-OIC-2024-HOME-01710). Median change across all 2 filings: +7.4% (range +5.1% to +7.4%). The 2023 NAIC state-average baseline is $97/mo (Rate Authority, May 2026) for reference.
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Recent Pennsylvania home rate filings
Rate Authority tracks every carrier rate filing in Pennsylvania daily. The table below shows each carrier’s most recent rate change, with a link to the source filing where the carrier published its actuarial justification.
| Carrier | Rate Change | Effective | Filing ID | Source |
|---|---|---|---|---|
| Travelers Home & Marine Insurance | +7.4% | 2024-08-01 | PA-OIC-2024-HOME-01710 | State DOI |
| State Farm Fire & Casualty Company | +5.1% | 2024-05-01 | PA-OIC-2024-HOME-01201 | State DOI |
Why rates in Pennsylvania look the way they do
Pennsylvania is one of only two states (with NJ) offering a tort election — “limited tort” can save 15-25% on premium but waives most pain-and-suffering claims unless the injury crosses the law’s threshold.
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
A few state-specific dynamics worth knowing:
- Tort election: choosing limited tort waives pain-and-suffering claims below the statutory threshold.
- Erie Insurance is a top-5 carrier statewide; rare for a regional carrier to compete at that scale.
Best Pennsylvania home insurance by driver profile
The “best” home carrier in Pennsylvania depends on your specific profile. Below is how we route the top-rated carriers based on profile signals, using 0 recent filings + the 2023 NAIC baseline.
Best for high-value homes ($750K+) in Pennsylvania: Chubb and PURE specialize in high-net-worth coverage. Standard carriers cap dwelling coverage well below the replacement cost on these properties.
Best for standard single-family homes in Pennsylvania: State Farm files among the most competitive baseline rates in the standard market.
Best for older homes / specialty risks in Pennsylvania: Travelers and Liberty Mutual will underwrite properties that more conservative carriers decline.
Pennsylvania home insurance — what affects your rate
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
Three factors drive most of the dwelling-coverage premium: home age + construction (post-2000 build to current IBC code rates significantly cheaper), distance to fire department and hydrant, and roof age (some carriers exclude or surcharge roofs over 15 years).
Frequently asked: Pennsylvania home insurance
How much does home insurance cost in Pennsylvania?
The 2023 NAIC published average is $1,166/year (about $97/mo). Recent carrier filings suggest current rates run 10-25% above this baseline; the table above shows the actual filed numbers. Your specific quote depends on your ZIP, age, vehicle, driving record, and credit (where credit-based scoring is permitted).
Why are Pennsylvania home insurance rates what they are?
Pennsylvania offers consumers a choice between full-tort and limited-tort options on auto policies; limited tort waives most pain-and-suffering claims in exchange for a lower premium.
How can I lower my Pennsylvania home insurance bill?
The single biggest lever is comparing quotes across carriers — rate differences for the same profile commonly run 30-50%. The table above shows where carriers currently file baseline rates; your actual quote may rank carriers differently. Compare quotes in 60 seconds: Compare quotes
How Rate Authority sources this data
Rate Authority aggregates three public + licensed sources, with per-record provenance. Every row above can be traced to its source filing or partner-feed quote.
- State Department of Insurance / SERFF filings — public rate filings. Filings appear within days of carrier submission.
- NAIC published averages — annual state aggregates, currently using NAIC’s 2023 data (latest publicly released).
- SEC EDGAR carrier disclosures — quarterly 10-Q and annual 10-K filings from US public personal-lines carriers.
Methodology: /methodology/rate-authority/
(Source: Rate Authority, May 2026.)
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