Pittsburgh Insurance Rates:

Pittsburgh, PA home insurance is about $591 to $800, about $49-$66/month. Our exhaustive analysis reveals consumers can save as much as $278 by getting different quotes

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Pittsburgh Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $320/7 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $105,000

3 Beds, 3 Bath 1440 sqft Vacation Property Constructed In 1945 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $670/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Baths 2710 sqft Rental Property Constructed In 1963 with Stone Flooring, Membrane Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $60/1 month for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2240 sqft Seasonal Residence Constructed In 1949 with Stone Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

68 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $180/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 2230 sqft Vacation Property Constructed In 1963 with Linoleum, Membrane Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $550/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

4 Beds, 4 Bath 2390 sqft Primary Residence Constructed In 1969 with Wood Flooring, Membrane Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Swimming Pool, Fireplace, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/8 months for $25,000-$50,000 Coverage
Policy Holder Home Details :

Home Value : $45,000

3 Beds, 3 Baths 1280 sqft Rental Property Constructed In 1944 with Wood Flooring, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Pittsburgh, PA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
15207 $76,000 $700

Pittsburgh Rates & Quotes Analysis:

Pittsburgh Area Estimated House Insurance
Gatewood Dr, Parkton Pl, Schenley Dr, Chellis St, Kinmount St, Ferndale St, Breesport St, Somers Dr, Pandora Way, Reifert St$656
Gilboa Way, Mintwood St, Alsace Way, Duncan St, Coverdale St, Canada Way, Temple Way, Simona Dr, Preston St, Kilkenbeck St$698
Glenarm Ave, Rugraff St, Mountford Ave, 46th St, Lupton St, Murray Hill Pl, Puritan Way, Merritt Ave, Sherlock St, Veteran St$681
Weirton St, Rivermont Dr, Wettach St, Poinsett Way, Filson St, Dunmoyle Pl, Simonton St, Ade Way, Wampum St, Parade St$696
Luxbridge Way, Sigsbee Way, Bayridge Ave, Claim St, Zahniser St, Linnview Ave, College St, Ophelia St, Shiloh St, Seneca St$694
Denisonview St, Kent Way, Agnew Rd, Vantassel St, Wernerberg Way, Osceola St, Stilwell St, Evanston St, Diller Ave, Norman St$691
Columbus Ave, Melville Way, Monastery Pl, Glendon St, Wertz Way, Pasadena St, Yardley Way, Woodmont St, Ridenour Ave, Carrie St$683
Cabot Way, Havelock Way, Greenwood St, Kincaid Park, Milroy St, Toledo St, Arbor St, Rosewood St, Secane Ave, Avalon St$689
Hillgrove Ave, Schenley Rd, S 18th St, S Neville St, Suffolk St, Vixen St, Charlick Way, Tripoli St, Wills St, Waldeck St$678
Garwood Way, Goehring St, Delevan St, S Craig St, Gate Lodge Way, Albree Way, Norton Way, Alcock Way, Dean St, Sunset Ave$703

Insurance rates are influenced by a number of factors including:

  • Year Built: 21,194 Homes (13% of total) built between 1950 to 1959 in Pittsburgh are paying home insurance between $1,308-$1,318 and varies from Allegheny County (+$26), Reserve (+$15), Green Tree (+$47), Mount Oliver (-$32) and Millvale (-$19).
  • Bedrooms: 49,465 3 bedrooms homes (32% of total homes ) in Pittsburgh are paying about $613 and varies from Green Tree (+$15), Edgewood (+$19), Aspinwall (+$38), Mount Oliver (-$8) and Allegheny County (-$3).
  • Auto Insurance Bundling: 6,917 Households (10% of all households) in Pittsburgh have 3 or more vehicles available and when it is bundled with home insurance you can save $174. Discounts for similar bundling in close by locations such as Mount Oliver, Allegheny County, Millvale come to $169, $177, $171 respectively.
  • Senior Discounts: 34,424 seniors (more than 55 years) occupied housing units (52% of total) in Pittsburgh get discounts between $104 to $106 and differs from Mount Oliver ($101), Allegheny County ($106), Millvale ($102).
  • New Homes discounts: New homes such as the 31,234 homes built between 2000 to 2009 in Pittsburgh can save $139 and varies from Mount Oliver ($135), Allegheny County ($141), Millvale ($137).

Pittsburgh Homeowners insurance Facts

  • Pittsburgh, PA has 65,291 owner occupied houses which is 49.0% of all units whereas Mount Oliver, Allegheny County and Millvale have 45.67%, 65.76% and 44.33% respectively.
  • Pittsburgh, PA homeowners yearly insurance price at $696 is 0.79% of the typical house value of $88,500 which is in contrast with 1.37% in Mount Oliver, 0.59% at Allegheny County & 1.03% in Millvale.
  • Homeowners in Pittsburgh, PA pay 3.09% of their income ($20,000 to $24,999) in insurance whereas homeowners in Mount Oliver, Allegheny County and Millvale pay 3.02%, 3.15% and 3.04% respectively.
  • Pittsburgh, PA’s insurance is 5.2% of monthly housing costs of $1,122/month, for owners with a mortgage compared to 6.38% in Mount Oliver, 4.49% at Allegheny County & 5.33% in Millvale. But, for households without a mortgage, insurance is 13.0% of costs ($447 in Pittsburgh, PA) in contrast with 14.47% in Mount Oliver, 11.75% at Allegheny County & 13.24% in Millvale.

Pittsburgh, PA Home Values & Insurance rates

For example, insurance for 5,749 Homes (9.0% of total homes ) valued between $70,000 to $79,999 in Pittsburgh, PA is about $584. Rates in nearby areas in such as Allegheny County, Reserve, Green Tree are cheaper by $145, $99, $217 respectively while Mount Oliver and Millvale are costlier by $441 and $190 respectively for similar homes.

Pittsburgh, PA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 12,735 20.0% $194
$50,000 to $59,999 4,761 7.0% $410
$60,000 to $69,999 5,115 8.0% $508
$70,000 to $79,999 5,749 9.0% $584
$80,000 to $89,999 5,063 8.0% $668
$90,000 to $99,999 3,917 6.0% $744
$100,000 to $124,999 6,811 11.0% $863
$125,000 to $149,999 3,638 5.0% $1078
$150,000 to $174,999 3,638 5.0% $1273
$175,000 to $199,999 1,800 2.0% $1468
$200,000 to $249,999 3,149 5.0% $1767
$250,000 to $299,999 2,164 3.0% $2164
$300,000 to $399,999 2,895 4.0% $2749

Renters Insurance in Pittsburgh

  • Average Renters Insurance in Pittsburgh :  $221($18/month)

  • Median Gross Rent in Pittsburgh :  $749

  • Pittsburgh Renters Insurance to Median Rent Ratio:  2.4%

  • Renter occupied housing units in Pittsburgh :  67,901

Pittsburgh Renters Insurance as a Percentage of Rent

Pittsburgh Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 2,640 4.0% $355
$200 to $299 3,998 6.0% $805
$300 to $499 7,060 10.0% $1255
$500 to $749 19,178 29.0% $1930
$750 to $999 16,300 24.0% $2680
$1,000 to $1,499 12,333 18.0% $3805
$1,500 or more 4,035 6.0% $5455

Protective device discount in Pittsburgh Up to :  $33

Claims-free discount in Pittsburgh Up to :  $44