7 carriers raised and 2 carriers cut Pennsylvania homeowners rates in 2026. Homeowners rate hikes hit at renewal — the fastest way to stop overpaying is to compare carriers for your ZIP.
The filed average is not your rate. A single statewide filing can move different ZIPs by wildly different amounts. Here, the biggest single-territory increase we found was +121.4% (Progressive, on a +0.9% filed average). Nationwide’s filing was +0% overall yet ranged from +11.7% to -12.3% depending on the ZIP. The “By ZIP” column shows each filing’s range — check your ZIP to see where you land.
Carriers that raised Pennsylvania home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Erie Erie Insurance Exchange | +1.0% | +26% to −30.1% ▲ wide | — | SERFF #ERPP-134623801 ↗ |
| Progressive American Strategic Ins. (Progressive/ASI) | +0.9% wanted +3.2% | +121.4% to −26.6% ▲ wide | Oct 22, 2025 | SERFF #AMSI-134401367 ↗ |
| State Farm State Farm Fire and Casualty Company | +6.3% | — | Nov 1, 2025 | SERFF #SFMA-134511098 ↗ |
| Grange Grange PinPoint Homeowners | +3.3% | — | Dec 11, 2025 | SERFF #GRAN-134639913 ↗ |
| Selective Selective Ins. Co. of the Southeast | +8.5% | — | Feb 28, 2026 | SERFF #SELC-134697411 ↗ |
| Cincinnati Insurance Cincinnati Casualty (2 entities +3.6/+4.0) | +3.8% | — | Jun 15, 2026 | SERFF #CNNB-134791320 ↗ |
| USAA USAA + USAA Casualty (filing-level) | +6.2% | +7.3% to ±0% | Jul 13, 2026 | SERFF #USAA-134883881 ↗ |
Carriers that cut Pennsylvania home rates in 2026
| Carrier | Filed avg | By ZIP | Effective | Source |
|---|---|---|---|---|
| Acuity Acuity, A Mutual Insurance Company | −1.0% | +4.5% to −7.3% | — | SERFF #ACUT-134901103 ↗ |
| Farmers Farmers Insurance Exchange (FLEX Home) | −10.0% wanted −32.7% | +13.79% to −25.07% ▲ wide | Jul 10, 2026 | SERFF #FARM-134993574 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and they reach your policy at renewal. A cut often reaches new buyers first; a hike lands on your next renewal notice. Re-shopping is the only way to know you’re on the best current price for your home.
Figures are filed/approved statewide-average changes from each state’s Department of Insurance (CA via CDI, TX via data.texas.gov, others via SERFF). Individual rates vary by home, roof age, and risk. Each filing links to its source. Not a quote.