Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Pittsburgh

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Pittsburgh 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.

193Reviewed

123Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

10989 Frankstown Rd #200, Pittsburgh, PA 15235
WebsiteLicense: 623930

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Engarde Financial Group​​ is a black-owned insurance broker serving Pittsburgh and the rest of western Pennsylvania. The company offers homeowners' insurance policies that cover risks like fire and windstorm damage, personal injury on the property, and vandalism. Renters' insurance policies are also available. It​​ has partnerships with Progressive, Vacant Express, Main Street America Insurance, and The Hartford. CEO Tayon Mitchell also works as a financial columnist for The Soul Pitt and has been featured on NBC, CBS, and ABC.

4501 Peoples Rd Suite 101, Pittsburgh, PA 15237
WebsiteLicense: 63901

Expertise.com Rating

Why choose this provider?

John C Lee Insurance Group LLC delivers homeowners' coverage to clients in Pittsburgh. These policies guard against loss or damage caused by acts of God and thieves. The contracts protect against liabilities to visitors for personal injuries. The firm also has products to defend rental properties and commercial interests. John C Lee is a local office that has been open for over 30 years and whose staff members have over 200 years of combined industry experience.

  • Multiple Carriers
  • Multiple Policy Types

124 Ingram Ave, Pittsburgh, PA 15205

Expertise.com Rating

Review Sources

Google
4.4 (40)
Facebook
4.7 (21)
Yelp
4.0 (5)

Why choose this provider?

Located in Pittsburgh, Pennsylvania, the Ron Dunn Agency has provided independent personal and business insurance services since 1981. It can find and tailor home insurance policies from its extensive list of carriers that provide suitable coverage for its client's homes and properties at a price within their budget. The agency prides itself on educating its customers so they understand the benefits and limitations of their policies. It can also offer home insurance discounts.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

2544 Library Rd Suite 105, Pittsburgh, PA 15234
WebsiteLicense: 427231

Expertise.com Rating

Why choose this provider?

The Fox Insurance Agency provides 24/7 service to clients in the Pittsburgh community. It offers homeowners' insurance policies with a wide range of coverage options, including the structure of the home, the client's personal belongings, liability protection, and additional living expenses. These protect policyholders from financial losses due to disasters or personal injury claims, even for those who own older homes. The agency represents multiple insurance carriers to provide tailored coverages including Allstate, Safeco, and MetLife.

  • Multiple Policy Types

2754 S Park Rd, Bethel Park, PA 15102

Expertise.com Rating

Review Sources

Google
4.8 (59)
Facebook
4.5 (17)

Why choose this provider?

Bill Flinn Insurance Agency is located in Pittsburg, Pennsylvania. It's an independent brokerage that shops a wide range of insurance providers on behalf of its customers to find the best, most affordable coverage options for their needs. It works with carriers such as Erie Insurance and Hagerty to provide homeowners insurance policies that cover personal liability, loss of use, property damage, and personal property/contents of the home. Bill Flinn Insurance Agency also offers condo, renters, and landlord insurance.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

4175 Steubenville Pike, Pittsburgh, PA 15205

Expertise.com Rating

Review Sources

Google
5.0 (147)
Facebook
5.0 (90)
Yelp
4.0 (1)

Why choose this provider?

McGroarty & Bradburn Insurance is an independent agency with over 30 years of experience assisting homeowners throughout the Pittsburgh, Pennsylvania, metro area. Agents work with a wide range of insurance carriers to find clients a policy that covers the replacement value of their home, personal assets, and medical expenses following injuries to the homeowner or guest while on the property. The company also provides coverage for condominiums, flood damage, renters, mobile homes, and landlords.

  • Multiple Policy Types
  • Homeowners

5108 Baum Blvd, Pittsburgh, PA 15224
WebsiteLicense: 415985

Expertise.com Rating

Review Sources

Google
4.9 (115)
Facebook
5.0 (13)
Yelp
5.0 (1)

Why choose this provider?

Danielle Howard is a State Farm insurance agent with more than 20 years of experience serving individuals and businesses in Pittsburgh and the neighboring communities. She offers homeowners' insurance policies that provide liability coverage for injuries and property damage, and which protects pets, jewelry, and collectibles. Danielle also deals with life, auto, and small business insurance policies. The agent's office is located near landmarks like Chatham and Carlow, the University of Pittsburgh, UPMC Hillman Cancer Center, and Carnegie Mellon University.

  • Multiple Policy Types

611 Mount Royal Blvd, Pittsburgh, PA 15223

Expertise.com Rating

Review Sources

Google
4.5 (43)
Facebook
4.7 (21)
Yelp
3.5 (3)

Why choose this provider?

Casper Insurance Agency offers home insurance in the Pittsburgh, Pennsylvania, area. Founded in 1950, it offers homeowners insurance to protect the homes and apartments of buyers and renters. The insurance policies replace personal property that is destroyed in a disaster and cover a lawsuit from someone injured in a policyholder's home. Casper Insurance provides both a named-perils and an all-risk policy to ensure that each customer has their own personal needs covered.

  • Renter's Insurance
  • Flood
  • Homeowners

5624 Brownsville Rd, Pittsburgh, PA 15236

Expertise.com Rating

Review Sources

Google
4.9 (73)
Facebook
4.8 (50)

Why choose this provider?

The McElhinny Insurance Agency is an independent, third-generation, family-run insurance company located in Pittsburgh, Pennsylvania. Founded in 1960, coverage specialists work with American Collectors Insurance, Erie Insurance, Foremost Insurance Group, Hagerty, and Progressive, to help clients get home protection policies at competitive rates. The agency provides homeowners, condominium, and mobile and manufactured policies that cover only named risks and comprehensive, all-risk policies that cover all perils. Other types of coverage include rental property, valuable items, and personal umbrella insurance.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

1910 Cochran Rd. Manor Oak One Suite 330, Pittsburgh, PA 15220

Expertise.com Rating

Review Sources

Facebook
5.0 (32)

Why choose this provider?

Element Risk Management is a Pittsburgh-based independent insurance agency serving clients from offices throughout Pennsylvania, Maryland, and Virginia. Home insurance is included amongst its risk management solutions for personal and business clients, including coverage for condos, renters, second homes, and landlords. Its tailored policies gleaned from a wide range of carriers can include coverage for structural repairs, theft or damage to possessions, and liability if a visitor is injured. Optional coverage can include off-premises theft and medical expenses.

  • Multiple Policy Types
  • Homeowners

651 Holiday Drive Foster Plaza V, Pittsburgh, PA 15220
WebsiteLicense: 971346

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Rodgers Insurance Group is a locally owned independent agency serving clients in Pittsburgh. It offers homeowners' insurance to protect the properties and personal liabilities of its clients, providing different types of coverage, such as primary home, condo, and vacation home. The agency also helps clients find personal auto, life, and health insurance. In addition, it offers business insurance products, such as property, general liability, and workers' compensation. It has over five decades of experience, serving more than 5,000 clients.

  • Renter's Insurance

1150 Thorn Run Rd Ste 106, Moon Township, PA 15108

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Located in Moon Township, Pennsylvania, The Polesky Insurance Agency is an independent agency serving personal and business clients in the Pittsburgh area. Founded in 1954, it provides tailored home insurance policies that are designed to fit the needs and budget of its clients. The agency represents many insurance carriers, which provides it with the flexibility to find the right coverage for homeowners. It also offers renters insurance and tailored solutions for condominiums.

  • Renter's Insurance
  • Flood
  • Personal Property Insurance

1000 Main Street, Pittsburgh, PA 15215

Expertise.com Rating

Review Sources

Google
4.9 (44)

Why choose this provider?

Jacoby & Associates Agency LLC is an independent firm that serves homeowners in Pittsburgh. It offers home insurance covering property damage, medical expenses, personal injury, and off-premises theft. It also provides excess liability and miscellaneous coverage. The locally owned business offers dealership, life, auto, 401k, and disability insurance. It also conducts vehicle title transfer and tags and notary public services. The firm, which represents over 60 insurance companies, extends its services to clients in New Jersey, Maryland, and West Virginia.

  • Multiple Policy Types

100 Wilhaven Rd Ste 200, McMurray, PA 15317

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (12)

Why choose this provider?

McMenamin Insurance Group is an independent insurance agency based in the Pittsburgh, Pennsylvania, metro area. Home coverage specialists have access to multiple companies and a wide range of policy options to provide clients unbiased and objective advice, claims assistance, and advocacy. Coverage choices include home repairs or replacement costs, and replacing the items inside the house, medical expenses for guests injured on the property, loss of use to pay for living expenses during repairs.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

700 River Avenue, Suite 433, Pittsburgh, PA 15212

Expertise.com Rating

Why choose this provider?

Holman & James is an insurance firm that serves clients in Pittsburgh. The agency represents various carriers and assists homeowners in obtaining policies to cover replacement costs in case of property damage. It provides other personal lines such as auto, boat, and health plans. It has options for businesses like employment practices liability and workers’ compensation. The firm also offers specialty insurance products for entertainment and production companies and non-profit organizations. Holman & James was established in 1957.

  • Multiple Policy Types

33 N Main St, Washington, PA 15301

Expertise.com Rating

Why choose this provider?

Chambers Insurance Agency, located in Washington, Pennsylvania, is an independent agency offering a full suite of home and personal insurance solutions since 1953. The agency's six licensed insurance advisors represent 14 different major insurance companies, giving customers a variety of options and prices to choose from. Chambers Insurance Agency offers homeowner policies that protect in case of burglary, fire, water damage, and storm and supplementary coverage for valuables inside the home, such as jewelry, collector cars, and wine collections.

  • Personal Property Insurance
  • Homeowners

340 Siebert Rd, Pittsburgh, PA 15237

Expertise.com Rating

Review Sources

Google
3.7 (13)
Facebook
5.0 (6)

Why choose this provider?

In business for over 60 years, George A. Reed Agency Inc. is a family-owned and operated independent insurance agency offering home insurance services to clients in the Pittsburgh, Pennsylvania, metro area. The agency frequently works with companies such as Safeco and Progressive to offer clients policies protecting their home itself, their belongings, and their finances in case of lawsuits related to the premises. Auto and life insurance policies are also available.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Policy Types

453 Davidson Rd Ste A5, Pittsburgh, PA 15239

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

LM Insurance Agency is a locally owned and independent insurance agency that sells home insurance in the Pittsburgh, Pennsylvania, metro area. Founded in 2007, LM Insurance provides coverage for homes for damage or destruction of the main dwelling and personal possessions due to fire, vandalism, and other covered events, including specific options for farms and tenants. The agency also offers auto, life, and business policies through over a dozen reputable insurance carriers.

  • Renter's Insurance
  • Condos
  • Fire

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.
  • Does your credit score affect your homeowners insurance rates in Pittsburgh?

    Your credit score may affect your homeowners insurance rates because insurance companies in Pittsburgh will consider you less of a risk if you have a better credit score. Then, they'd decide how much to charge. As of 2023, homeowners insurance may cost over $995 if you have strong credit and more than $2,910 if you have poor credit, which is nearly 193% more.

  • What is the purpose of homeowners association insurance in Pittsburgh?

    Homeowners living within a community managed by a homeowners association in Pittsburgh are obligated to pay dues in return for access to various amenities and protections, such as HOA insurance. Coverage under this insurance extends to property damage and liability claims from personal injuries within the HOA's common areas. It does not, however, cover the resident's personal property.

  • Are homeowners insurance mandatory in Pittsburgh?

    Although state law does not mandate it, most mortgage lenders in Pittsburgh will require you to carry sufficient homeowners insurance at the amount it would cost to help you recover in the event of significant damage or loss. Your lender may suggest a policy provider, but you are not obligated to choose them.

  • Is damage caused by flooding covered by homeowners insurance in Pittsburgh?

    Unfortunately, Pittsburgh homeowners insurance policies do not cover flood damage. You will have to purchase a separate, stand-alone policy for flood insurance. Your mortgage lender mandates this protection if you reside in flood-risk zones. If you don't have a mortgage or don't live in a high-risk area, you may forego acquiring flood insurance.

  • Does having a dog affect your homeowners insurance policy in Pittsburgh?

    Liability coverage on your homeowners insurance policy covers injuries and property damage your dog may cause in Pittsburgh, but if your dog has been classified as dangerous, you will be required to have liability insurance or post a surety bond in the amount of $50,000. The law classifies a dog as "dangerous" if it has attacked a person or domestic animal without provocation, or if it has been employed in the commission of a crime.

  • 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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