Customized and affordable home insurance

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Get the right Pennsylvania home insurance for you with discounts and coverages tailored to your needs.

Common Pennsylvania homeowners insurance questions

No, the state of Pennsylvania does not require homeowners, condo or renters insurance. However, your mortgage company, Homeowners’ Association or landlord may require insurance as a condition of your loan, association standing or lease.

Landlords are not required to have homeowners insurance. However, having coverage is an important way to protect a rental property investment.

The average cost of homeowners insurance will vary by the amount of coverage needed and characteristics of your home, such as the age of the building or if it has custom construction or elaborate design.


Grange partners with independent agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain coverages that you need. Find an agent to get started.

Typically, a homeowners policy will cover personal property belonging to the “insured” (you), which would not include your significant other’s belongings.

In Pennsylvania, you can obtain insurance through an independent insurance agent or directly through an insurance company. Grange partners with independent agents to ensure you get the right coverage to fit your budget.

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Many ways to save

Save money with a variety of discounts.

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A custom policy made for you

Learn about coverages most important to you.

See all coverages


Read reviews from customers in Pennsylvania

We are committed to using feedback to improve our customer service. Here’s what Pennsylvania homeowners insurance customers have to say about Grange.

Five star rating

Elizabeth A. 

Grange Insurance has been a "best buy."

Shyam D. 

Customer service is knowledgeable and friendly. I got answers in a timely manner.

Holly U. 

Very easy to submit a claim! Wonderful customer service.

Aliaksei S. 

Customer representative did exactly what was promised and processed my claim within 12 hours.

Why independent agents?

An insurance agent speaks with a client in a virtual meeting.

They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent insurance agents consider your needs and any unique home features to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for home insurance online, working with an independent agent makes it easy to compare homeowners policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Pennsylvania.