Why Pennsylvania Homeowners Insurance Rates Are Rising in 2025 (And What You Can Do About It)
Understanding the Premium Surge
In recent years, homeowners insurance rates have climbed sharply, not just nationally, but right here in Pennsylvania. A 2025 report found that premiums in the state have jumped approximately 44% between 2021 and 2024. Such steep increases are driven by multiple compounding factors.
What’s Driving These Increases?
1. Rising Cost of Weather-Related Losses
Severe convective storms, thunderstorms with hail, wind, and tornadoes, have become more frequent and damaging. These events are leading to costly claims and pushing insurers to increase premiums.
2. Inflation & Expensive Rebuilds
The cost of building materials, repairs, and labor has surged. Supply chain disruptions and inflation have made replacing or repairing damaged homes significantly more expensive, impacting insurance prices.
3. Market Adjustments & Tariffs
Tariffs on essential construction materials such as wood, metals, and glass could further increase rebuilding costs, which insurance companies may factor into premium prices.
4. Regulatory Oversight
Good news for homeowners: The Pennsylvania Insurance Department (PID) has blocked significant rate increases in 2024 and 2025. Through active review, they saved consumers $13.7 million in homeowners insurance alone in the first half of 2025.
How Pennsylvania Compares
National Trend: Homeowners across the country faced an average premium increase of 24% over the past three years.
State Impact: Pennsylvania saw one of the steepest increases, 44%, for a typical homeowner.
Average Premium: Pennsylvania homeowners now pay about $1,440 annually, or roughly $120 per month, depending on location and coverage.
What You Can Do to Save
1. Compare Quotes Regularly
Don’t assume you’re locked in, shop around. Different insurers offer different rates and discounts.
2. Increase Your Deductible
A higher deductible can lower your premium. Just make sure you can cover it in case of a claim.
3. Bundle Your Policies
Combining homeowners and auto insurance with one provider often leads to attractive discounts.
4. Improve Home Resilience
Invest in upgrades like stronger roofing or storm-resistant windows. These can reduce the risk of severe damage, and sometimes lower premiums.
5. Ask About Discounts
Many carriers offer savings for things like home security systems, updated wiring, or paying premiums in full.
6. Work with a Trustworthy Agent
At Ebensburg Insurance, we keep you informed, help you compare options, and advocate on your behalf, especially when rates are on the rise.
Final Thoughts
Yes, rising homeowners insurance rates in Pennsylvania are real, and they're being driven by climate-related risks, inflation, and market changes. But you don’t have to accept higher premiums without exploring ways to manage them.
Want to explore your options and find savings? Contact Ebensburg Insurance today for a free homeowners policy review. We’ll help protect your home and your wallet.
