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2024

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Best Homeowners Insurance Agencies in Philadelphia, PA

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Philadelphia Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

838Reviewed

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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

535 Marlton Pike West, Cherry Hill, NJ 80020

Expertise.com Rating

Review Sources

Google
4.9 (28)

Why choose this provider?

Prudent Insurance Agency provides home insurance services to clients seeking coverage for structural damage, personal property, injury, and liability, and it operates in and around the Philadelphia, Pennsylvania, metro area. This agency offers customer service support and maintains business relationships with over a dozen insurance providers. Prudent Insurance Agency is not a sole-focus agency, and it provides auto, business, and life insurance policies that can be bundled with its home insurance coverage for convenience.

  • Personal Property Insurance
  • Homeowners

7214 Frankford Ave, Philadelphia, PA 19135

Expertise.com Rating

Review Sources

Google
4.9 (50)

Why choose this provider?

America Insurance Agency is a business based in Philadelphia, Pennsylvania, that offers custom insurance solutions to clients in the region and those from Bucks, Montgomery, Allegheny, and Lancaster counties. As an independent insurance agency, the firm provides homeowners with a list of reliable national and regional insurance carriers from which they can find comprehensive and competitively-priced insurance policies for their property. America Insurance Agency also assists clients with auto, business, flood, renters, and umbrella insurance.

  • Personal Property Insurance
  • Homeowners

700 American Ave, Suite 302, King of Prussia, PA 19406

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (25)
Yelp
4.5 (3)

Why choose this provider?

For over 30 years, Caruso Insurance has been serving clients in Philadelphia and the surrounding communities. It offers homeowners' insurance policies to help individuals protect their residential properties and loved ones. It also helps clients apply for renters', investment property, condominium, RV, auto, and boat insurance products. In addition, the company's team caters to individuals to wish to apply for wedding, high risk, business, flood, and life insurance policies. It carries insurance products from Travelers, Progressive, Farmers, Nationwide, Safeco, State Auto, Philadelphia Contributionship, and Chubb brands.

  • Renter's Insurance

624 Haverford Rd, Haverford, PA 19041

Expertise.com Rating

Review Sources

Google
4.7 (17)
Facebook
4.3 (14)
Yelp
3.0 (2)

Why choose this provider?

Metro Insurance Services is an independent insurance agency located in the Philadelphia, Pennsylvania, metro area that also serves clients in New Jersey, Delaware, Maryland, and Virginia. Home coverage specialists work with over a dozen carriers, including American Modern, Progressive, Safeco Insurance, and The Hartford, to help homeowners get complete insurance packages for their residence and personal items at a competitive rate. Other options include condo, renter's, umbrella, rental property, and business coverage.

  • Multiple Carriers
  • Homeowners

4169 Main Street, Philadelphia, PA 19127
WebsiteLicense: 489135

Expertise.com Rating

Review Sources

Google
5.0 (147)
Facebook
4.0 (61)

Why choose this provider?

McCollum Insurance is a homeowners' insurance firm serving clients in Philadelphia. The agency offers a wide range of coverage options for homeowners, such as medical expenses, personal property, loss of use, and dwellings. Insurance for vehicles, renters, and restaurants is also available. Its team of agents is well-versed in handling the insurance needs of individuals and businesses. The firm was founded in 2002 by Brian McCollum. McCollum Insurance helps various local organizations like Mitts for Kids and Ceili For Kayleigh.

  • Personal Property Insurance

1879 Cottman Avenue, Philadelphia, PA 19111

Expertise.com Rating

Review Sources

Google
4.7 (78)
Facebook
5.0 (18)
Yelp
5.0 (4)

Why choose this provider?

Terra Insurance Services is a locally managed homeowners' insurance agency that services residents in Philadelphia and the surrounding areas. Its home insurance specialists provide information and options to homeowners who are looking to protect their homes and their families from fires, theft incidents, and personal liabilities. They also assist their clients in finding home quotes that can cover their secondary homes, cars, and other valuable properties. Terra Insurance Services also offers condo and flood insurance.

  • Multiple Policy Types

2707 Kirkbride St, Philadelphia, PA 19137

Expertise.com Rating

Review Sources

Google
4.6 (20)
Facebook
5.0 (4)

Why choose this provider?

Burg Insurance Agency is a family-owned business serving Philadelphia and nearby locations. It offers risk management solutions, helping individuals and families obtain homeowners' insurance. The company assists policyholders in filing claims to secure reimbursements for property damage and physical injuries caused by unexpected events like fire, hail, theft, and vandalism. Its specialists also write policies for automobiles, motorcycles, boats, and RVs. Additionally, they provide notary services. Burg Insurance Agency has been operating for nearly 20 years.

  • Multiple Carriers

853 North Providence Rd., Media, PA 19063
WebsiteLicense: 340970

Expertise.com Rating

Why choose this provider?

First Financial Guarantee helps individuals protect their assets and secure their future by providing long-term, comprehensive advisory services and various insurance products. Serving Philadelphia residents, it offers homeowners' insurance to cover liabilities and damage to properties in unforeseen circumstances, like fire. Other policies offered include life, disability, auto, and business. The firm also assists with financial, estate, tax, and retirement planning. Branch manager Anthony Leonetti has been part of the financial service industry since 1978.

  • Renter's Insurance

7102 Frankford Avenue, Philadelphia, PA 19135
WebsiteLicense: 356327

Expertise.com Rating

Review Sources

Google
4.8 (11)

Why choose this provider?

Estate Brokerage Services, Inc., helps clients in the Philadelphia metro apply for homeowners insurance products. It also offers other personal insurance policies, including renters, dwellings, motorcycles, boats, and cars. It guides clients who wish to apply for commercial insurance plans involving professional liability and BOP. Its team handles pet insurance policies to help clients prepare for the future medical needs and expenses of their pets. This company has been serving the local community for over three decades.

  • Multiple Policy Types

42 E Lancaster Ave Ste 101, Paoli, PA 19301
WebsiteLicense: 61152

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Fanelli, Harley, Harper & Associates, Ltd. is an independent insurance agency serving families and businesses in Philadelphia. It offers homeowners' insurance plans that include a selection of limits and deductibles, including dwelling insurance, medical liability for guests, personal belongings coverage, and personal liability for family living in the home. It also provides earthquake, flood, and vacant dwelling risk management policies. Additionally, it has life, health, and business insurance options. The company has been in the industry since 1968.

  • Renter's Insurance
  • Multiple Policy Types

1631 East Passyunk Avenue, Philadelphia, PA 19148
WebsiteLicense: 344859

Expertise.com Rating

Review Sources

Facebook
5.0 (31)
Google
4.0 (25)
Yelp
3.5 (3)

Why choose this provider?

Jeffrey Gottesman is an insurance agent who is affiliated with State Farm. He has been providing his services to clients in Philadelphia and the surrounding areas since 1997. He offers homeowners' insurance which protects the property from smoke, theft, or fire. The homeowners' insurance also provides coverage for items such as jewelry and pictures. It also covers the liability of the client in case of an accident at their home or damages to the property.

  • Renter's Insurance
  • Homeowners
Gannon Risk Group logo

Gannon Risk Group

2040 County Line Rd., Huntingdon Valley, PA 19006
Website

Expertise.com Rating

Review Sources

Google
4.2 (26)
Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

Gannon Risk Group is an independent insurance agency serving Philadelphia. It offers homeowners' insurance policies covering the interiors and exteriors of damaged residential properties, personal liability, and loss or theft of possessions. The coverage levels include actual cash values, replacement costs, and extended replacement costs or values. Its team of professionals also presents insurance plans for renters, landlords, and condos. The agency supports various community organizations, such as Red Cross and The Block Gives Back.

  • Renter's Insurance

77 Makefield Rd, Yardley, PA 19067

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Insurance Solutions Concept Inc., located in Yardley, Pennsylvania, is an independent agency that has been serving the Philadelphia metro area for over a decade. Offering coverage in both Pennsylvania and New Jersey, the agency's homeowners policy protects from storms, fires, and theft, with optional flood insurance. The team of multilingual agents at Insurance Solutions Concept can assist with renters or vacant property policies in English, Spanish, Russian, and Polish. Financing option programs are also available.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

106 Central Avenue, Cheltenham, PA 19012

Expertise.com Rating

Review Sources

Google
5.0 (142)
Facebook
4.8 (10)

Why choose this provider?

Premier Group Insurance, LLC, is a Cheltenham-based agency that helps homeowners in determining suitable coverage options for their properties. Serving the Philadelphia area, the agency assists in tailoring insurance packages to ensure financial security for homes and valuables that are vulnerable to events such as fire or theft. Premier Group Insurance also offers support in securing coverage for medical expenses, liabilities, and additional living arrangements for owners of traditional homes as well as beach homes and high-value properties.

  • Flood
  • Homeowners

650 Sentry Parkway Suite 1, Blue Bell, PA 19422
WebsiteLicense: 569832

Expertise.com Rating

Review Sources

Google
4.8 (12)
Facebook
4.7 (9)
Yelp
4.0 (4)

Why choose this provider?

Pennsylvania Insurance Network is an independent agency that has been serving Philadelphia since 2005. It helps individuals and families protect themselves from financial losses due to risks to their homes caused by sinkholes, wind damage, or sewer or septic backups. Its team of professionals tailors insurance policies for different residential properties, such as condos, townhouses, mobile homes, and rental places. Pennsylvania Insurance Network also provides vacant home insurance plans. It represents a variety of providers, including Grange, Foremost, and Travelers.

  • Multiple Policy Types

255 W. Uwchlan Avenue, Downingtown, PA 19335

Expertise.com Rating

Why choose this provider?

Miller’s Insurance Agency carries policies that financially protect homeowners in Philadelphia from personal injury and damage to their properties. Its covered risks include fires, floods, off-premises theft, and water backups. Its home insurance options extend to collectible cars, fine arts, jewelry, wine collections, and secondary homes. The independent firm, which has been in the industry for over 45 years, reviews and revises insurance plans to meet the needs of its clients. Miller’s Insurance Agency represents several companies, including Erie Insurance, Grange, Progressive, Safeco, Travelers, and Westfield.

  • Renter's Insurance

193 W. City Avenue, Bala Cynwyd, PA 19004

Expertise.com Rating

Why choose this provider?

The Imperial Agency caters to homeowners from Philadelphia and the nearby areas who need non-life insurance coverage. The team offers same-day services that protect residential properties. In addition to real estate, the firm delivers personal automobile and commercial vehicle policies. The Imperial Agency is an independent agency that offers contracts across various providers, such as Progressive, Foremost, and Universal Property and Casualty, instead of favoring any specific company. It also offers notary services.

  • Renter's Insurance

5223 Germantown Ave, Philadelphia, PA 19144

Expertise.com Rating

Review Sources

Facebook
4.8 (19)
Google
4.9 (17)

Why choose this provider?

Eley Insurance Agency serves clients in Philadelphia. The agency provides insurance products and services for different needs, including, home, auto, life, disability, and business insurance. It offers homeowners' insurance policies that cover the dwelling itself, personal property inside the dwelling, and other structures around the dwelling. Its agents helps clients throughout the process, from understanding their policy to filing a claim. The agency is affiliated with multiple carriers, such as Foremost, MetLife, and SafeCo Insurance. It also offers pet insurance from Fetch.

  • Personal Property Insurance

2653 South 8th Street, Philadelphia, PA 19148

Expertise.com Rating

Why choose this provider?

Oregon Auto Tags and Insurance Inc. has been operating in Philadelphia since 1991. It offers homeowners' insurance policies through partnerships with various providers, including Progressive, Infinity, and American Independent Insurance. Its team of professionals also presents insurance plans for automobiles and businesses. The agency works with PennDOT to assist clients in paperwork involving auto tags, plate replacement, vehicle registration, title transfers, same-day registration renewals, and license plate surrenders. Notary services are available.

  • Renter's Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Prudent Insurance Agency
535 Marlton Pike West, Cherry Hill, NJ 80020
America Insurance Agency
7214 Frankford Ave, Philadelphia, PA 19135
Caruso Insurance
700 American Ave, Suite 302, King of Prussia, PA 19406
Metro Insurance Services
624 Haverford Rd, Haverford, PA 19041
McCollum Insurance
4169 Main Street, Philadelphia, PA 19127
Terra Insurance Services -Philadelphia
1879 Cottman Avenue, Philadelphia, PA 19111
Burg Insurance Agency
2707 Kirkbride St, Philadelphia, PA 19137
First Financial Guarantee
853 North Providence Rd., Media, PA 19063
Estate Brokerage Services, Inc.
7102 Frankford Avenue, Philadelphia, PA 19135
Fanelli, Harley, Harper & Associates, Ltd.
42 E Lancaster Ave Ste 101, Paoli, PA 19301
Jeffrey Gottesman
1631 East Passyunk Avenue, Philadelphia, PA 19148
Gannon Risk Group
2040 County Line Rd., Huntingdon Valley, PA 19006
Insurance Solutions Concept. Inc.
77 Makefield Rd, Yardley, PA 19067
Premier Group Insurance, LLC
106 Central Avenue, Cheltenham, PA 19012
Pennsylvania Insurance Network
650 Sentry Parkway Suite 1, Blue Bell, PA 19422
Miller’s Insurance Agency
255 W. Uwchlan Avenue, Downingtown, PA 19335
The Imperial Agency
193 W. City Avenue, Bala Cynwyd, PA 19004
Eley Insurance Agency
5223 Germantown Ave, Philadelphia, PA 19144
Oregon Auto Tags & Insurance Inc
2653 South 8th Street, Philadelphia, PA 19148

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Are there any dog breed restrictions in homeowners' insurance policies in Philadelphia?

    In Philadelphia, insurers are allowed to take into account the breed of a homeowner's dog when determining eligibility for homeowners or rental insurance. However, Pennsylvania law mandates that owners of dogs that are considered dangerous must carry liability insurance with a minimum coverage of $50,000. Additionally, insurance policies in Pennsylvania cannot exclude coverage based on a specific dog breed.

  • Does homeowners' insurance in Philadelphia cover damage from natural disasters?

    Yes, homeowners' insurance in Philadelphia offers coverage for specific natural disasters. These include floods, landslides, power outages, tropical and winter storms, wildfires, and tornados, which are among the calamities commonly encountered in Pennsylvania. It's important to note that standard homeowners' policies do not generally cover damages resulting from floods and severe storms.

  • Are home office damages covered by homeowners' insurance in Philadelphia?

    In general, homeowners' insurance policies in Philadelphia provide restricted coverage, usually up to approximately $2,500 for damage to business property. Additionally, these policies do not cover situations such as customer injuries, income loss caused by home damage, or the theft of client data. To ensure comprehensive coverage for your business, you can opt to obtain supplementary coverage.

  • What should you do if your homeowners' insurance claim is denied in Philadelphia?

    If your homeowners' insurance claim is denied in Philadelphia, your options will vary based on the type of claim. For first-party claims without clear misconduct, initiating an appeal with the insurer may be necessary. In cases of potential unfair denials, legal action for bad faith rejection could be considered. Alternatively, for third-party insurance claims that are denied, you have the option to file a lawsuit against the insurance company.

  • Is homeowners' insurance legally required in Philadelphia?

    The law in Philadelphia does not mandate homeowners to have insurance for their properties. However, if you have a mortgage, the bank or lender might require you to obtain insurance coverage that is at least equivalent to the value of your mortgage. It is highly recommended to compare the coverage options and costs from various insurance companies to ensure you are getting the best deal that meets your needs.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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