Pittsburgh PA Split Level House
Home Insurance - Pittsburgh, PA

The Pittsburgh region has a 71.7% homeownership rate, which is higher than the national average of 65.1%. Pittsburgh homeowners know finding the best home insurance is really important. That's why we built this helpful guide for those looking to review or buy home insurance:

  1. Average cost of home insurance in Pittsburgh, PA
  2. Common home insurance claims in Pittsburgh, PA
  3. Coverage details of your home insurance policy
  4. Insurance carriers offering coverage in Pittsburgh, PA
  5. Calculator for home insurance quotes in Pittsburgh, PA


1. Average cost of home insurance in Pittsburgh, PA

Even though it is easy to find cheap home insurance in Pittsburgh, we still recommend checking out our list of home insurance discounts available to see if you can find any savings.

We search for all discounts for our customers for free. Most customers that use Young Alfred in Pittsburgh pay between $485 and $1,138 per year for their home insurance coverage.
Pittsburgh PA homeowners pay between $485 and $1138 for home insurance
The average home insurance in Pittsburgh is $780.96. This annual premium will change as the cost to rebuild your home increases. As your home goes up in value, you need more insurance coverage, which will cost more. Be happy if you can find coverage below $485/year in Pittsburgh and expect to pay an extra $122/year for every $100,000 increase in your home's value.

Home Insurance Rates in Pittsburgh, PA vs. Home Rebuild Cost
home insurance rates in Pittsburgh PA
Home insurance rates data generated from the following zip codes: 15201    15202    15204    15205    15208    15210    15203    15206    15207    15209    15211    15214    15216    15212    15213    15215    15217    15218    15219    15220    15222    15223    15224    15226    15221    15225    15227    15229    15230    15231    15233    15238    15228    15232    15234    15235    15236    15237    15239    15240    15242    15243    15253    15254    15241    15244    15250    15251    15252    15255    15257    15258    15259    15260    15261    15262    15264    15270    15272    15274    15279    15281    15289    15290    15295    15265    15267    15268    15275    15276    15277    15278    15282    15283    15286

2. Common home insurance claims in Pittsburgh, PA

Pittsburgh has a high theft risk in the inner city, as well as medium risk of wind and occasionally heavy rains. However, Pittsburgh home insurance is very affordable because so many Pittsburgh natives are far more likely to fix an issue themselves rather than file a home insurance claim! Hats off to you, DIYers. Wish more of the US was so handy in the shop. 

Pittsburgh, PA Home Risk Report
home risk report for Pittsburgh PA home
Source: Home Risk Report


3. Coverage details of your home insurance policy

Each homeowner should understand the six major coverage categories.

  1. Coverage A: Dwelling - covers your primary building structure.
  2. Coverage B: Other Structures - covers any structures on your property not attached to your primary home's structure.
  3. Coverage C: Personal Property - covers your personal belongings with special sub-limits for certain categories.
  4. Coverage D: Loss of Use - if you can't live in your home after a covered loss, this helps cover your cost of living somewhere else until repairs are completed
  5. Coverage E: Personal Liability - if someone sues you for something that happened on your property, this will kick in to defend the lawsuit and payout on damages charged in the case.
  6. Coverage F: Medical Liability - if a guest injures themselves on your property, this can cover the guest's medical expenses from that injury.

More importantly, homeowners in Pittsburgh, PA, should know the five specific coverage details of their home insurance policy:

  1. Water Damage
    Water damage represents a third of all homeowners claims. Insurance companies break up water damage into many different categories, only some of which are covered by your standard insurance policy.

    Flooding - not covered in your standard homeowners policy, but can be purchased as a separate policy from NFIP or Private Flood Companies.

    Water Damage from a Burst Pipe - usually covered in your standard homeowners policy. You are not covered if they are leaking slowly over time. 

    Water Backup Coverage - not covered in your default home insurance policy, but can be purchased as an additional add-on. 

    Storm-Related Water Damage - covered by your standard homeowners policy if the water enters from above the ground level.

    Water Seepage/Groundwater - not covered in your standard homeowners policy, can sometimes be purchased as an add-on coverage.
     
  2. Service Line Coverage
    Home insurance usually does not cover the utility lines running under your yard. If one of these lines bursts in your front yard, you may be out of luck unless you purchase the service line coverage endorsement. Usually, for around $45/year, the coverage will cover up to $10,000 in damage caused by a service line breaking and needing repair on your property, but outside of your house.
     
  3. Roof Coverage: Replacement Cost or Actual Cash Value
    An asphalt shingle roof should be replaced once every 20 years. If you have an older roof, your home insurance policy may only cover the roof at Actual Cash Value (ACV). This means you aren't getting a full reimbursement on your roof in a claims scenario.

    Example: Your roof is 19 years old, and you have a hail storm that damages the roof beyond the point of repair - you now need a new roof. The insurance company is not going to cut you a check for a brand new roof if it is covered at ACV, because you were going to have to replace the roof in the next 5 years even without the storm. They will give you a check that represents the remaining useful life of your roof. If the roof is 19 years old, has a 25-year useful life, costs $15,000 to replace, and you have a $1,000 deductible, you are only going to get a check for (25-19)/25*15,000 - $1,000 = $2,600. If your roof is covered at Replacement Cost, you are getting a check for $15,000 - $1,000 = $14,000. In this common example, the Replacement Cost Coverage on your roof was worth an extra $11,400. 

4. Insurance carriers offering coverage in Pittsburgh, PA

Many carriers are competing for your business in Pittsburgh, PA. Home insurance carriers rate on many different risk factors, so it is best to check multiple carriers to see which carrier is the best match for you. Regardless of what carrier you choose, you should at least consider the following:

  • Financial Stability Rating - AM Best or Demotech
  • Experience in the local market - how long have they been insuring Pittsburgh homes?
  • Online Reviews on claims and customer service experience

Top home insurance carriers in Pittsburgh, PA:

Insurance Company Financial Stability Experience Online Reviews
Progressive AM Best A+ Experienced 4 stars
Hippo AM Best A- New 5 stars
State Auto AM Best A- Experienced 4 stars
Erie AM Best A+ Experienced 5 stars
Travelers AM Best A+ Experienced 5 stars
Safeco (Liberty Mutual) AM Best A Experienced 4 stars
Encompass (Allstate) AM Best A+ Experienced 5 stars
Plymouth Rock AM Best A- Experienced 3 stars
The Philadelphia Contributionship AM Best A Experienced 3 stars
Stillwater AM Best A- Experienced 5 stars
Universal P&C Demotech A Experienced 3 stars
Foremost (Farmers) AM Best A Experienced 3 stars

5. Calculator for home insurance quotes in Pittsburgh, PA

A home insurance calculator requires many inputs as insurance carriers rate on hundreds of factors. Most of these rating factors usually fall into three main rating categories:

  1. Property features (location, age, heating, etc.)
  2. You and your family (credit history, claims history, pets, etc.)
  3. Coverage limits and endorsements (deductibles, water backup, replacement cost, etc.)

To get accurate quotes: fill out my custom online home insurance application. Young Alfred does not call or sell your information. We have built an advanced quoting engine that generates the top home insurance quotes in your area, customized for you:

Get Home Insurance Quotes in Pittsburgh PA

Hope that helps!

At your service,
Young Alfred