Homeowners in Pennsylvania are fortunate that the annual premiums for their insurance is an average of $913 per year in comparison to the $1,173 that is the national average, according to the National Association of Insurance Commissioners.

However, due to the Quaker State’s increasingly severe weather and climate change, those rates are likely to be going up. How much you pay depends on the size of your home, the amounts of the coverages, the address, and your assets.

The following summaries may help you decide what the best insurance is for you.

Erie Insurance

Although Erie Insurance is the state’s second-largest provider, it is at the top of this list because its standard policy includes coverages for which other insurers charge extra. Some insurers pay only part of what it costs to rebuild a house, but Erie offers a 100 percent guaranteed replacement cost coverage and includes coverage for valuables.

Erie has an A+ rating from A.M. Best, which means that it is financially stable to pay its claims, received a rare four out of five points from J.D. Power on its claims process and overall consumer experience, and Consumer Reports gave it a rating of “Excellent” for both timely claims and its claims process.

State Farm

The state’s largest provider, it has the highest financial stability rating, A++, from A.M. Best, a four out of five for overall consumer experience and a three out of five for its claims process from J.D. Power, and Consumer Reports gave it a “Very Good” for both timely payments and its claims process. You have to pay extra for valuables coverage, and it has fewer discounts than Erie.

Allstate

A.M. Best gave Allstate an A+ financial stability rating, J.D. Power gave three out of five points in claims process and overall experience, and Consumer Reports rated its payment speed and claims process as “Very Good.” Allstate has a basic policy, and additional coverage for valuables, protection from sewer and water damage, identity theft, and for electronic data recovery. There are discounts for maintaining a smoke-free home and auto paying your premiums.

Liberty Mutual

Their A rating reflects a solid level of financial stability. It earned three out of five points from J.D. Power for its claim process and overall experience, and ratings of “Very Good” on payment speed and claims process from Consumer Reports. The basic policy includes dwelling and personal property coverage, and coverage for valuables is additional. There are discounts for insuring the home to 100 percent of its value, getting multi-line policies, having fire and burglar alarms, sprinklers, making renovations, and others.