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Home Insurance in Scranton, Pennsylvania
Average home insurance in Scranton runs about $1,180 per year. Compare carriers and get a free, no-obligation quote.
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Top coverage options
Liberty Mutual
Estimated premium
$142/mo
Review quoteState Farm
Estimated premium
$158/mo
Review quoteAllstate
Estimated premium
$171/mo
Review quote
Illustration only — real quotes vary by profile and location.
Home Insurance Landscape in Scranton
Scranton anchors Northeast Pennsylvania (NEPA) with an economy built around healthcare (Geisinger Community Medical, Moses Taylor), higher education (University of Scranton, Marywood), legacy coal-country real estate, and growing I-81 logistics. The 2011 Tropical Storm Lee Susquehanna flood remains the reference event for regional flood risk.
Scranton insurance work centers on Susquehanna and Lackawanna river flood coordination, winter-storm and ice-dam exposure across older housing stock, PA's limited-vs-full-tort election, and NEPA logistics/healthcare commercial lines. VKOVR advisors help Scranton households place flood coverage against the 2011 flood-of-record benchmark, evaluate ice-dam endorsements, and make informed tort elections.
What Your Home Insurance Covers in Scranton
- Dwelling — rebuild the structure after covered damage
- Personal property — furniture, electronics, clothing, and valuables
- Personal liability — medical and legal costs if someone is injured on your property
- Loss of use — temporary housing if your home becomes uninhabitable
- Add-on flood insurance for properties inside or near FEMA flood zones
- Optional extended replacement cost for higher-value homes
Why VKOVR for Home Insurance in Scranton, Pennsylvania
- Local risk analysis — hail, wind, wildfire, flood, theft, and named-peril exposure
- Carrier comparison to keep premium and deductible structure balanced
- Bundling with auto for multi-policy discount
- Coverage guidance for high-value homes, historic properties, and vacation homes
- Claims support — a licensed advisor helps you navigate the claim process
What drives home insurance rates here in Scranton
Average annual homeowners premium
$1,180per year
Approximate figure for Scranton, Pennsylvania based on public NAIC data. Your rate will vary with personal factors and carrier selection.
Statewide average
$1,200
For comparison across Pennsylvania
Local rate factors
- Catastrophe exposure — wind, hail, hurricane, wildfire, earthquake, or flood
- Distance to the nearest fire station and fire hydrant density
- Age and construction of the home (roof age is a major factor)
- Local crime and burglary rate
- Replacement cost — labor and materials in your metro
- Claims history of your home and the surrounding neighborhood
How VKOVR helps you save
- Right-size dwelling and personal property limits
- Identify wind/hail deductibles that balance premium and out-of-pocket risk
- Bundle home + auto for multi-policy savings
- Review every three years — home values and rebuild costs shift over time
Local Risks Scranton Drivers and Homeowners Watch For
Susquehanna and Lackawanna river flooding — 2011 Tropical Storm Lee as reference event; NFIP or private flood essential.
Older NEPA housing stock and legacy coal-country terrain drive subsidence, foundation, and sewer-backup claim exposure.
Winter-storm and ice-dam damage on historic Scranton housing stock; service-line endorsements recommended.
PA limited-vs-full-tort election affects every Scranton auto policy.
Other insurance options in Scranton
Most households in Scranton bundle two or more policies for a multi-policy discount. Compare coverage and local context across every product line we offer.
Home Insurance in Other Pennsylvania Cities
Explore home insurance coverage, rates, and local context in nearby Pennsylvania cities.
Home Insurance in Scranton — FAQ
Standard homeowners insurance (HO-3) covers your dwelling (structure), other structures on the property (fences, detached garages), personal property, liability for injuries that occur on your property, and additional living expenses if your home is uninhabitable after a covered loss. It does not automatically cover floods or earthquakes — those require separate policies.
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Great experience from start to finish. I bundled my home and auto and saved significantly.
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