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For agencies

Insurance agents in Pennsylvania

What the law requires, what the local market looks like, and how to find an independent agent in Pennsylvania who has been reviewed by a person and holds to published practice standards.

The local market

Insurance in Pennsylvania

Pennsylvania carries among the lowest minimum limits in the country — $5,000 property damage will not total a single vehicle. The limited tort versus full tort election is the most consequential and least understood choice on a Pennsylvania auto policy, and the premium saving on limited tort is small relative to what is given up. It belongs in every review, documented.

Exposure

What drives claims here

These shape pricing, deductible structure and carrier appetite in Pennsylvania. Several are excluded from a standard homeowners policy and have to be written separately.

  • flood
  • winter storm
  • severe thunderstorm
  • landslide

Recourse

If something goes wrong with an insurer

Complaints about a carrier or an agent go to the Pennsylvania Insurance Department . It regulates every insurer and producer licensed in the state, and filing a complaint is free.

You can also check whether an agent is properly licensed there before you buy — something worth doing regardless of where you found them.

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Coverage in Pennsylvania

Every line of coverage is regulated at the state level, so what a policy includes — and what it excludes — changes at the state line.

Pennsylvania counties

Rating territories, catastrophe exposure, fire protection class and windstorm zones are all set below the state line, which is why counties matter more than they look like they should. There are 67 in Pennsylvania.

Worth reading before you buy