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Tax reductions, credits, and payment plans available for homeowners. Homeowners insurance protects your home and your personal property. It may also protect you against lawsuits if someone gets hurt on your property. What Are the Different Types of Coverage?. Jan 9, 2026 · If you’re a Pennsylvania homeowner, use this guide to learn about the state’s top homeowners insurance options, how much a policy costs on average, and more. What does a homeowners insurance policy cover? 1 Of course, the ability to repair or replace your home is foremost in homeowners coverage. But homeowners insurance may include even more, like the. Get a free Pennsylvania homeowners insurance quote today. Nationwide offers a variety of home insurance coverage options to protect your home and property.