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Homeowners in Pittsburgh, Pennsylvania, pay an average home insurance rate of $856. This is significantly lower than the national average premium of $1,438. Pittsburgh homeowners can make use of discounts offered by home insurance companies to further reduce their home insurance rates. Below is the list of discounts offered to Pittsburgh homeowners.


Home insurance companies provide discounts to Pittsburgh homeowners based on the construction materials used to build the house. Pittsburgh homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Pittsburgh homes constructed using fire-resistive materials and superior materials get discounts of $111 and $77, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $43, while homes that have a hail resistant roof get a $17 discount. Newly constructed Pittsburgh homes receive discounts of $206 on home insurance rates.

Home insurance companies provide special discounts to Pittsburgh homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Pittsburgh can avail of discounts of up to $120 on homeowners insurance. Home insurance companies provide discounts to homeowners depending on their claims history. Home insurance rates in Pittsburgh can increase by up to $120 based on the type and number of claims. Pittsburgh homeowners with a claims-free history can avail of discounts of up to $103 on home insurance.

The property crime rate in Pittsburgh is 31.04 per 1,000 residents. Specifically, the burglary rate in Pittsburgh is 4.47 per 1,000 residents. Homes equipped with safety devices are less prone to burglaries. Home insurance companies encourage Pittsburgh homeowners to enhance the safety features of their homes by offering attractive discounts as incentives. For instance, Pittsburgh homes with deadbolts and fire extinguishers can avail of discounts of $94 and $86, respectively, on homeowners insurance. Homes installed with burglar alarms and smoke detectors receive a discount of $77 and $60, respectively, on homeowners insurance.

Additionally, home insurance companies offer discounts to homeowners based on their lifestyle choices. Pittsburgh homeowners can earn considerable amounts of discounts if all the household members are non-smokers. Households without pets and swimming pools can also avail of discounts on home insurance.