Landlord Insurance in Pennsylvania: Cost & Coverage

Pennsylvania has about 1,617,882 renter-occupied homes, 31% of all occupied housing. The median owner-occupied home is valued at $254,500 and median gross rent is $1,209 a month (ACS 2020–2024). This page covers what landlord insurance costs in Pennsylvania, what moves a quote, and local pages for the largest rental markets.

What landlord insurance costs in Pennsylvania

The NAIC's average dwelling-fire premium in Pennsylvania was $539 in 2023, which ranks 9 of the ten states we serve (highest first). The Pennsylvania HO-3 homeowners average was $1,217. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.

Amount of dwelling insurance	Pennsylvania average dwelling-fire premium (2023)
Under $150,000	$430
$150,000–$199,999	$545
$200,000–$224,999	$575
$225,000–$249,999	$528
$250,000–$274,999	$575
$275,000–$299,999	$551
$300,000–$324,999	$639
$325,000–$349,999	$635
$350,000–$399,999	$613
$400,000–$449,999	$690
$450,000–$499,999	$794
$500,000–$599,999	$793
$600,000–$699,999	$928
$700,000–$999,999	$1,028
$1,000,000 and over	$772
All amounts (state average)	$539

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Pennsylvania Insurance Department.

What moves your landlord quote in Pennsylvania

Weather exposure: frozen and burst pipes in older housing; winter storms and heavy snow load; basement water and sewer backup, usually excluded unless added; wind damage from summer thunderstorms and remnant tropical systems.
Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
Building age and systems: the median Pennsylvania home was built in 1965; roof, wiring, plumbing, and heating updates matter.
Building type: 8% of Pennsylvania homes are in 2–4 unit buildings and 75% are single-family.
Occupancy: long-term, short-term, student, or vacant.
Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
Claims history on the property and for the owner.

Largest Pennsylvania rental markets

Coverage guides for Pennsylvania landlords

Other Pennsylvania communities we serve

We accept quote requests for rentals anywhere in Pennsylvania, including these communities, grouped by county.

Adams County: Abbottstown, Arendtsville, Bendersville, Biglerville, Bonneauville, Carroll Valley, East Berlin, Fairfield, Gettysburg, Littlestown, McSherrystown, New Oxford, York Springs

Allegheny County: Aspinwall, Avalon, Bell Acres, Bellevue, Ben Avon, Ben Avon Heights, Blawnox, Brackenridge, Braddock, Braddock Hills, Bradford Woods, Brentwood, Bridgeville, Carnegie, Castle Shannon, Chalfant, Cheswick, Churchill, Clairton, Coraopolis, Crafton, Dormont, Dravosburg, Duquesne, East McKeesport, East Pittsburgh, Edgewood, Edgeworth, Elizabeth, Emsworth, Etna, Forest Hills, Fox Chapel, Franklin Park, Glassport, Glen Osborne, Glenfield, Green Tree, Haysville, Heidelberg, Homestead, Ingram, Jefferson Hills, Leetsdale, Liberty, Lincoln, McKees Rocks, McKeesport, Millvale, Mount Oliver, Munhall, North Braddock, Oakdale, Oakmont, Pennsbury Village, Pitcairn, Pleasant Hills, Port Vue, Rankin, Rosslyn Farms, Sewickley, Sewickley Heights, Sewickley Hills, Sharpsburg, Springdale, Swissvale, Tarentum, Thornburg, Turtle Creek, Verona, Versailles, Wall, West Elizabeth, West Homestead, West Mifflin, West View, Whitaker, White Oak, Whitehall, Wilkinsburg, Wilmerding

Armstrong County: Apollo, Applewold, Atwood, Dayton, Elderton, Ford City, Ford Cliff, Freeport, Kittanning, Leechburg, Manorville, North Apollo, Parker, Rural Valley, South Bethlehem, West Kittanning, Worthington

Beaver County: Aliquippa, Ambridge, Baden, Beaver, Beaver Falls, Big Beaver, Bridgewater, Conway, Darlington, East Rochester, Eastvale, Economy, Fallston, Frankfort Springs, Freedom, Georgetown, Glasgow, Homewood, Hookstown, Industry, Koppel, Midland, Monaca, New Brighton, New Galilee, Ohioville, Patterson Heights, Rochester, Shippingport, South Heights, West Mayfield

Bedford County: Bedford, Everett, Hopewell, Hyndman, Manns Choice, New Paris, Rainsburg, Saxton, Schellsburg, St. Clairsville, Woodbury

Berks County: Bally, Bechtelsville, Bernville, Birdsboro, Boyertown, Centerport, Fleetwood, Hamburg, Kenhorst, Kutztown, Laureldale, Leesport, Lenhartsville, Lyons, Mohnton, Mount Penn, New Morgan, Robesonia, Shillington, Shoemakersville, Sinking Spring, St. Lawrence, Topton, Wernersville, West Reading, Womelsdorf, Wyomissing

Blair County: Bellwood, Duncansville, Hollidaysburg, Martinsburg, Newry, Roaring Spring, Tyrone, Williamsburg

Bradford County: Alba, Athens, Burlington, Canton, LeRaysville, Monroe, New Albany, Rome, Sayre, South Waverly, Sylvania, Towanda, Troy, Wyalusing

Bucks County: Bristol, Chalfont, Doylestown, Dublin, Hulmeville, Ivyland, Langhorne, Langhorne Manor, Morrisville, New Britain, New Hope, Newtown, Penndel, Perkasie, Quakertown, Richlandtown, Riegelsville, Sellersville, Silverdale, Trumbauersville, Tullytown, Yardley

Butler County: Bruin, Butler, Callery, Cherry Valley, Chicora, Connoquenessing, East Butler, Eau Claire, Evans City, Fairview, Harmony, Harrisville, Karns City, Mars, Petrolia, Portersville, Prospect, Saxonburg, Seven Fields, Slippery Rock, Valencia, West Liberty, West Sunbury, Zelienople

Cambria County: Ashville, Brownstown, Carrolltown, Cassandra, Chest Springs, Cresson, Daisytown, Dale, East Conemaugh, Ebensburg, Ehrenfeld, Ferndale, Gallitzin, Geistown, Hastings, Johnstown, Lilly, Lorain, Loretto, Nanty-Glo, Northern Cambria, Patton, Portage, Sankertown, Scalp Level, South Fork, Southmont, Summerhill, Tunnelhill, Vintondale, Westmont, Wilmore

Cameron County: Driftwood, Emporium

Carbon County: Beaver Meadows, Bowmanstown, East Side, Jim Thorpe, Lansford, Lehighton, Nesquehoning, Palmerton, Parryville, Summit Hill, Weatherly, Weissport

Centre County: Bellefonte, Centre Hall, Howard, Milesburg, Millheim, Philipsburg, Port Matilda, Snow Shoe, Unionville

Chester County: Atglen, Avondale, Coatesville, Downingtown, Elverson, Honey Brook, Kennett Square, Malvern, Modena, Oxford, Parkesburg, South Coatesville, Spring City, West Grove

Clarion County: Callensburg, Clarion, East Brady, Foxburg, Hawthorn, Knox, New Bethlehem, Rimersburg, Shippenville, Sligo, St. Petersburg, Strattanville

Clearfield County: Brisbin, Burnside, Chester Hill, Clearfield, Coalport, Curwensville, DuBois, Glen Hope, Grampian, Houtzdale, Irvona, Mahaffey, New Washington, Osceola Mills, Ramey, Troutville, Wallaceton, Westover

Clinton County: Avis, Beech Creek, Flemington, Lock Haven, Loganton, Mill Hall, Renovo, South Renovo

Columbia County: Benton, Berwick, Bloomsburg, Briar Creek, Catawissa, Centralia, Millville, Orangeville, Stillwater

Crawford County: Blooming Valley, Cambridge Springs, Cochranton, Conneaut Lake, Conneautville, Hydetown, Linesville, Meadville, Saegertown, Spartansburg, Springboro, Titusville, Townville, Venango, Woodcock

Cumberland County: Camp Hill, Lemoyne, Mechanicsburg, Mount Holly Springs, New Cumberland, Newburg, Newville, Shippensburg, Shiremanstown, Wormleysburg

Dauphin County: Berrysburg, Dauphin, Elizabethville, Gratz, Halifax, Highspire, Hummelstown, Lykens, Middletown, Millersburg, Paxtang, Penbrook, Pillow, Royalton, Steelton, Williamstown

Delaware County: Aldan, Brookhaven, Chester Heights, Clifton Heights, Collingdale, Colwyn, Darby, East Lansdowne, Eddystone, Folcroft, Glenolden, Lansdowne, Marcus Hook, Media, Millbourne, Morton, Norwood, Parkside, Prospect Park, Ridley Park, Rose Valley, Rutledge, Sharon Hill, Swarthmore, Trainer, Upland, Yeadon

Elk County: Johnsonburg, Ridgway, St. Marys

Erie County: Albion, Corry, Cranesville, Edinboro, Elgin, Girard, Lake City, McKean, Mill Village, North East, Platea, Union City, Waterford, Wattsburg, Wesleyville

Fayette County: Belle Vernon, Brownsville, Connellsville, Dawson, Dunbar, Everson, Fairchance, Fayette City, Markleysburg, Masontown, Newell, Ohiopyle, Perryopolis, Point Marion, Smithfield, South Connellsville, Uniontown, Vanderbilt

Forest County: Tionesta

Franklin County: Greencastle, Mercersburg, Mont Alto, Orrstown, Waynesboro

Fulton County: McConnellsburg, Valley-Hi

Greene County: Carmichaels, Clarksville, Greensboro, Rices Landing, Waynesburg

Huntingdon County: Alexandria, Birmingham, Broad Top City, Cassville, Coalmont, Dudley, Huntingdon, Mapleton, Marklesburg, Mill Creek, Mount Union, Orbisonia, Petersburg, Rockhill, Saltillo, Shade Gap, Shirleysburg, Three Springs

Indiana County: Armagh, Blairsville, Cherry Tree, Clymer, Creekside, Ernest, Glen Campbell, Homer City, Indiana, Marion Center, Plumville, Saltsburg, Shelocta, Smicksburg

Jefferson County: Big Run, Brockway, Brookville, Corsica, Falls Creek, Punxsutawney, Reynoldsville, Summerville, Sykesville, Timblin, Worthville

Juniata County: Mifflin, Mifflintown, Port Royal, Thompsontown

Lackawanna County: Archbald, Blakely, Carbondale, Clarks Green, Clarks Summit, Dalton, Dickson City, Dunmore, Jermyn, Jessup, Mayfield, Moosic, Moscow, Old Forge, Olyphant, Taylor, Throop, Vandling

Lancaster County: Adamstown, Akron, Christiana, Columbia, Denver, East Petersburg, Elizabethtown, Ephrata, Lititz, Manheim, Marietta, Millersville, Mount Joy, Mountville, New Holland, Quarryville, Strasburg, Terre Hill

Lawrence County: Bessemer, Ellport, Ellwood City, Enon Valley, New Beaver, New Wilmington, S.N.P.J., South New Castle, Volant, Wampum

Lebanon County: Cleona, Cornwall, Jonestown, Mount Gretna, Myerstown, Palmyra, Richland

Lehigh County: Alburtis, Catasauqua, Coopersburg, Coplay, Emmaus, Fountain Hill, Macungie, Slatington

Luzerne County: Ashley, Avoca, Bear Creek Village, Conyngham, Courtdale, Dallas, Dupont, Duryea, Edwardsville, Exeter, Forty Fort, Freeland, Harveys Lake, Hughestown, Jeddo, Kingston, Laflin, Larksville, Laurel Run, Luzerne, Nanticoke, Nescopeck, New Columbus, Nuangola, Penn Lake Park, Pittston, Plymouth, Pringle, Shickshinny, Sugar Notch, Swoyersville, Warrior Run, West Hazleton, West Pittston, West Wyoming, White Haven, Wyoming, Yatesville

Lycoming County: Duboistown, Hughesville, Jersey Shore, Montgomery, Montoursville, Muncy, Picture Rocks, Salladasburg, South Williamsport

Mckean County: Bradford, Eldred, Kane, Lewis Run, Mount Jewett, Port Allegany, Smethport

Mercer County: Clark, Farrell, Fredonia, Greenville, Grove City, Hermitage, Jackson Center, Jamestown, Mercer, New Lebanon, Sandy Lake, Sharon, Sharpsville, Sheakleyville, Stoneboro, West Middlesex, Wheatland

Mifflin County: Burnham, Juniata Terrace, Kistler, Lewistown, McVeytown, Newton Hamilton

Monroe County: Delaware Water Gap, East Stroudsburg, Mount Pocono, Stroudsburg

Montgomery County: Ambler, Bridgeport, Bryn Athyn, Collegeville, Conshohocken, East Greenville, Green Lane, Hatboro, Hatfield, Jenkintown, Lansdale, Narberth, North Wales, Pennsburg, Red Hill, Rockledge, Royersford, Schwenksville, Souderton, Telford, Trappe, West Conshohocken

Montour County: Danville, Washingtonville

Northampton County: Bangor, Bath, Chapman, East Bangor, Freemansburg, Glendon, Hellertown, Nazareth, North Catasauqua, Northampton, Pen Argyl, Portland, Roseto, Stockertown, Tatamy, Walnutport, West Easton, Wilson, Wind Gap

Northumberland County: Herndon, Kulpmont, Marion Heights, McEwensville, Milton, Mount Carmel, Northumberland, Riverside, Shamokin, Snydertown, Sunbury, Turbotville, Watsontown

Perry County: Blain, Bloomfield, Duncannon, Landisburg, Liverpool, Marysville, Millerstown, New Buffalo, Newport

Pike County: Matamoras, Milford

Potter County: Austin, Coudersport, Galeton, Oswayo, Shinglehouse, Ulysses

Schuylkill County: Ashland, Auburn, Coaldale, Cressona, Deer Lake, Frackville, Gilberton, Girardville, Gordon, Landingville, Mahanoy City, McAdoo, Mechanicsville, Middleport, Minersville, Mount Carbon, New Philadelphia, New Ringgold, Orwigsburg, Palo Alto, Pine Grove, Port Carbon, Port Clinton, Pottsville, Ringtown, Schuylkill Haven, Shenandoah, St. Clair, Tamaqua, Tower City, Tremont

Snyder County: Beavertown, Freeburg, McClure, Middleburg, Selinsgrove, Shamokin Dam

Somerset County: Addison, Benson, Berlin, Boswell, Callimont, Casselman, Central City, Confluence, Garrett, Hooversville, Indian Lake, Jennerstown, Meyersdale, New Baltimore, New Centerville, Paint, Rockwood, Salisbury, Seven Springs, Shanksville, Somerset, Stoystown, Ursina, Wellersburg, Windber

Sullivan County: Dushore, Eagles Mere, Forksville, Laporte

Susquehanna County: Forest City, Friendsville, Great Bend, Hallstead, Hop Bottom, Lanesboro, Little Meadows, Montrose, New Milford, Oakland, Susquehanna Depot, Thompson, Union Dale

Tioga County: Blossburg, Elkland, Knoxville, Lawrenceville, Mansfield, Roseville, Tioga, Wellsboro, Westfield

Union County: Hartleton, Lewisburg, Mifflinburg, New Berlin

Venango County: Barkeyville, Clintonville, Cooperstown, Emlenton, Franklin, Oil City, Pleasantville, Polk, Rouseville, Sugarcreek, Utica

Warren County: Bear Lake, Clarendon, Sugar Grove, Tidioute, Warren, Youngsville

Washington County: Allenport, Beallsville, Bentleyville, Burgettstown, Canonsburg, Centerville, Charleroi, Claysville, Coal Center, Cokeburg, Deemston, Donora, Dunlevy, East Washington, Elco, Ellsworth, Finleyville, Green Hills, Houston, Long Branch, Marianna, McDonald, Midway, Monongahela, New Eagle, North Charleroi, Roscoe, Speers, Stockdale, Twilight, Washington, West Brownsville, West Middletown

Wayne County: Bethany, Hawley, Honesdale, Prompton, Starrucca, Waymart

Westmoreland County: Adamsburg, Arnold, Arona, Avonmore, Bolivar, Delmont, Derry, Donegal, East Vandergrift, Export, Greensburg, Hunker, Hyde Park, Irwin, Jeannette, Latrobe, Laurel Mountain, Ligonier, Lower Burrell, Madison, Manor, Monessen, Mount Pleasant, New Alexandria, New Florence, New Kensington, New Stanton, North Belle Vernon, North Irwin, Oklahoma, Penn, Scottdale, Seward, Smithton, South Greensburg, Southwest Greensburg, Sutersville, Trafford, Vandergrift, West Leechburg, West Newton, Youngstown, Youngwood

Wyoming County: Factoryville, Laceyville, Meshoppen, Nicholson, Tunkhannock

York County: Cross Roads, Dallastown, Delta, Dillsburg, Dover, East Prospect, Fawn Grove, Felton, Franklintown, Glen Rock, Goldsboro, Hallam, Hanover, Jacobus, Jefferson, Lewisberry, Loganville, Manchester, Mount Wolf, New Freedom, New Salem, North York, Railroad, Red Lion, Seven Valleys, Shrewsbury, Spring Grove, Stewartstown, Wellsville, West York, Windsor, Winterstown, Wrightsville, Yoe, York Haven, Yorkana

Pennsylvania landlord insurance FAQ

Is landlord insurance required in Pennsylvania?

No Pennsylvania statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.

What does landlord insurance cost in Pennsylvania?

The NAIC reported a 2023 Pennsylvania average dwelling-fire premium of $539, compared with $1,217 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.

Who regulates insurance in Pennsylvania?

The Pennsylvania Insurance Department licenses insurers and agents and publishes consumer guides and complaint tools.

Does a Pennsylvania landlord policy cover flood?

No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.

Sources

NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
U.S. Census Bureau, Vintage 2024 population estimates
FEMA National Risk Index
Pennsylvania Insurance Department

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Last updated October 15, 2026. Sources and method: how we research.

Landlord insurance in Pennsylvania