Home insurance quotes Philadelphia homeowners get are quotes on a rowhouse or a twin more often than not, and carriers price the shared walls, the flat roof and the age of the systems before they price anything else. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What a quote in Philadelphia is priced on
Rebuild cost sets the dwelling limit, and a Philadelphia rowhouse is priced on its roof type and age, its wiring and plumbing, and the fire separation from the neighbours. City rating territories differ block by block in carriers' experience, and a four-point inspection is common on older houses.
The local perils and deductibles
Water damage from aging plumbing and flat roofs, theft, and winter freeze are the claims carriers see; wind and hail deductibles are less common here than on the coast. Flood along the rivers and in low-lying neighbourhoods is a separate policy. FEMA's FloodSmart notes that almost one-third of NFIP flood claims come from outside high-risk flood areas, and a standard homeowners or renters policy does not cover flood at all.
How to compare the quotes
Quote three carriers on the same dwelling limit and deductible, ask how each treats the roof and any prior water claims, and compare against the filed Pennsylvania rates on this site. The filed rates on this site show how carriers price this where you live, and quotes taken on the same limits and deductible are the only fair comparison.
Questions people ask about home insurance quotes philadelphia
How do I get home insurance quotes in Philadelphia?
Set the dwelling limit at rebuild cost and the deductibles once, then quote three carriers on the same inputs; the filed rates for the state on this site show the range first.
Why are home insurance quotes in Philadelphia higher than the national average?
The local perils, the age of the housing stock and each carrier's experience in the territory; the national average of $1,411 is only the scale.
Does the quote include flood?
No. Flood is a separate policy, and FEMA notes that almost one-third of NFIP flood claims come from outside high-risk areas.