Philadelphia Insurance Rates:

Philadelphia ,PA Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Philadelphia, PA homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Philadelphia, PA is $1151. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Home Insurance Companies in Philadelphia, PA: Customer-Reviewed Options


Philadelphia, PA Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Philadelphia, PA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Philadelphia, PA.

Coverage Level Average Annual Premium
$100,000 $460
$200,000 $783
$300,000 $967
$400,000 $1,473
$500,000 $1,853


Philadelphia, PA Homeowners Insurance Rates by ZIP Code

Home insurance costs in Philadelphia can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
019104 $1,101
19120 $1,052
19124 $1,051
19141 $1,051
19142 $1,037
19121 $1,083
19143 $1,052
19139 $1,041
19134 $1,042
19140 $1,031
19133 $1,025
19132 $1,023
19106 $1,288
19118 $1,292
19103 $1,275
19130 $1,225
19107 $1,218
19147 $1,237
19102 $1,241
19123 $1,237
19116 $1,139
19115 $1,139
19128 $1,138
19119 $1,149
19113 $1,081
19127 $1,142
19129 $1,134
19154 $1,113
19152 $1,112
19114 $1,113
19146 $1,211
19111 $1,099
19148 $1,123
19125 $1,153
19145 $1,116
19136 $1,081
19150 $1,091
19153 $1,076
19149 $1,072
19137 $1,083
19126 $1,079
19151 $1,071
19135 $1,067
19144 $1,080
19122 $1,135
19138 $1,064
19131 $1,063


Philadelphia, PA Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Philadelphia, PA, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,180
$1000 Deductible $1,055
$1500 Deductible $996
$2500 Deductible $898
$5000 Deductible $760



Top Home Insurance Agents Near Philadelphia, PA

Home Insurance Company Near Philadelphia, PA Homeowners Insurance Agency Near Philadelphia, PA Address
Travelers First Choice Insurance Group 701 CROSS RD, LEDERACH, PA, 19450
State Farm Jim Mckenna 3425 Garrett Rd, Drexel Hill, PA, 19026-2320
Nationwide Raymond L Maniscalco Clu 5700 Kirkwood Hwy STE 103, Wilmington, DE, 19808
State Farm Vincent Gerbasio 1649 Hausman Rd, Allentown, PA, 18104-9257

Philadelphia, PA Home Insurance Agents for Top Companies


Philadelphia, PA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Philadelphia County, Pennsylvania $107 $143 $215
Cheltenham township, Montgomery County, Pennsylvania $117 $156 $234
Pennsauken township, Camden County, New Jersey $122 $162 $243


Philadelphia, PA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Philadelphia, PA4.8%14.0%

Philadelphia Renters Insurance as a Percentage of Rent

Philadelphia Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 7,574 2.0% $343
$200 to $299 10,256 4.0% $793
$300 to $499 17,694 6.0% $1243
$500 to $749 52,367 20.0% $1918
$750 to $999 76,586 30.0% $2668
$1,000 to $1,499 65,674 25.0% $3793
$1,500 or more 24,290 9.0% $5443

Cost Of Homeowners Insurance By Street Near Philadelphia, PA

Streets in Philadelphia Area Homeowners Insurance Cost
Inwood Ln, Brush Rd, E Juniata St, Kingsfield Rd, Modena Ter, Hoff St, Casimir St, Greymont St, Widener Pl, Wagner Ave$760
W Seybert St, Chestnut Ln, Saint Albans St, Nicholas St, Walter St, Edison Ave, S 41st St, Marlton Ave, Mallory St, W Berkley St$713
N 37th St, E Salaignac St, Old Townsend Rd, Rubicam St, Cresco Ave, N 68th St, Murdoch Rd, Delaware Expy, W Indiana St, Dorel St$714
Loxley Ct, Scotchbrook Dr, Wendle Ct, Winter St, S 72nd St, Dyre St, Magdalena St, Blaine St, S Bambrey Ter, N 62nd St$717
Lefevre St, S Paxon St, W Roberts Ave, Concordia Pl, E Wister St, W Washington Sq, E Armstrong St, E Columbia Ave, Emerald St, Dondill Pl$827
Kern St, Matthews St, Station Ln, Newland St, Stewart St, Prospect Ave, Megargee St, S Independence Ml E, Evergreen Ave, Cranston Rd$741
N Mole St, Cotton St, S Harmony St, Calpine Rd, 3rd St E, Beverly Rd, Cardiff St, Bartram Ave, Stearly St, E Meade St$714
Pilgrim Ln, W Allens Ln, W Stafford St, Andale St, Authority Ter, Cargill Ln, Oak Lane Ave, Belgreen Ter, Evergreen Pl, Dupont St$727
Gifford St, Bloomfield Ave, Farrell Ct, Deer Run Pl, Maiden St, Cliveden St, Delaware Ave, Hedgerow Ln, W Winona St, Merion Ave$None
Gransback St, Bailey Ter, Centennial Sq E, North St, Erie Ave, Golf Rd, Thomas Ave, Essex Ln, Crabtree St, Forest Pl$762

Philadelphia, PA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Philadelphia$107 to $109
Philadelphia County$107

Philadelphia, PA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Philadelphia Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,400$5,800
Net Savings to Philadelphia Home Owner from High Deductible Plan $600


Philadelphia, PA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Philadelphia, PA Home Replacement Value MORE than Home Value Philadelphia, PA Home Replacement Value LESS than Home Value
Replacement Value $285,500 $192,000
Insurance Premium based on Replacement Value $1,450 $975
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,000 Risk Exposure from Under Insuring Coverage is $62,500
Premium Impact Insurance cheaper by $325/year Insurance costlier by $150/year


Example Philadelphia Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualFarmers InsuranceChubb Group of Insurance
Monthly Premium 326868
Year Built 194019601951
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$150000-$175000$150000-$175000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$500- $1000 Deductible