Pittsburgh ,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 Pittsburgh, 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 Pittsburgh, PA is $1130. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Pittsburgh, PA. VHome Insurance will help you navigate the world of homeowners insurance coverages in Pittsburgh, PA.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $452 |
| $200,000 | $768 |
| $300,000 | $949 |
| $400,000 | $1,446 |
| $500,000 | $1,819 |
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 Pittsburgh, PA, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,159 |
| $1000 Deductible | $1,036 |
| $1500 Deductible | $977 |
| $2500 Deductible | $881 |
| $5000 Deductible | $746 |
| Home Insurance Company Near Pittsburgh, PA | Homeowners Insurance Agency Near Pittsburgh, PA | Address |
|---|---|---|
| Allstate | Feras Alkhattar | 114 N Highland Ave, Pittsburgh, PA, 15206 |
| State Farm | Greg Mcdonald | 1378 Freeport Rd Ste 1B, Pittsburgh, PA, 15238-3135 |
| State Farm | Joe Sciulli | 1236 Grove Rd, Pittsburgh, PA, 15234-2311 |
| Erie | Charles M Mills Insurance Agency Inc. | 1225 S Main Street Suite 206, Greensburg, PA, 15601 |
| Travelers | Contemporary Insurance Agency | 109 Windsor Court, Monroeville, PA, 15146 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Mount Oliver borough, Pennsylvania | $85 | $113 | $169 |
| Allegheny County, Pennsylvania | $89 | $118 | $177 |
| Millvale borough, Pennsylvania | $86 | $114 | $171 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Pittsburgh, PA | 5.2% | 13.0% |
| Mount Oliver | 6.38% | 14.47% |
| Allegheny County | 4.49% | 11.75% |
| Millvale | 5.33% | 13.24% |
| 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 |
| Streets in Pittsburgh Area | Homeowners Insurance Cost |
|---|---|
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Pittsburgh | $104 to $106 |
| Mount Oliver | $101 |
| Allegheny County | $106 |
| Millvale | $102 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $2,600 |
| Yearly Pittsburgh Homeowner Insurance Premium Example | $1,000 | $800 |
| Out of Pocket Expense During Claim | $1,600 | $2,600 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,600 | $9,000 |
| Net Savings to Pittsburgh Home Owner from High Deductible Plan | $600 | |
| Scenario | Pittsburgh, PA Home Replacement Value MORE than Home Value | Pittsburgh, PA Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $109,000 | $64,500 |
| Insurance Premium based on Replacement Value | $500 | $300 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $21,500 | Risk Exposure from Under Insuring Coverage is $23,000 |
| Premium Impact | Insurance cheaper by $100/year | Insurance costlier by $100/year |
| Insurance Company | Chubb Group of Insurance | State Farm | Liberty Mutual |
| Monthly Premium | 34 | 35 | 67 |
| Year Built | 1959 | 1965 | 1947 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 1 Baths |
| Coverage Amount | $100000-$125000 | $75000-$100000 | $200000-$250000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |