Who regulates homeowners insurance in Pennsylvania?

The Pennsylvania Insurance Department (insurance.pa.gov) licenses carriers and agents and handles consumer complaints.

Is flood insurance separate in Pennsylvania?

Yes — flood damage is excluded from standard HO-3 policies. Pennsylvania river-corridor homeowners should purchase NFIP coverage at floodsmart.gov.

Is nor'easter wind damage covered in Pennsylvania?

Yes — wind damage from nor'easters is covered under standard HO-3 policies. Review your deductible and dwelling coverage limits annually.

Does Pennsylvania require homeowners insurance?

Pennsylvania law does not mandate homeowners insurance, but lenders require it as a mortgage condition.

How do I file a homeowners insurance complaint in Pennsylvania?

File a complaint with the Pennsylvania Insurance Department at insurance.pa.gov.

Homeowners Insurance in Pennsylvania

Pennsylvania's home-insurance risks include severe thunderstorms and hail in summer, nor'easter wind and ice storms in winter, flooding along the Susquehanna and Delaware Rivers, and occasional tornado activity in the western and central portions of the state.

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