Independent Insurance Broker in Pittsburgh, PA

Pennsylvania requires minimum liability coverage of 15/30/5: $15,000 bodily injury per person, $30,000 per accident, and $5,000 property damage, plus $5,000 in First Party Benefits. PA is a choice no-fault state, meaning drivers choose between limited tort and full tort coverage. We recommend reviewing your limits annually, especially if your income or assets have changed.

Pittsburgh is nicknamed the City of Bridges, and the City of Pittsburgh's Department of Mobility and Infrastructure maintains about 144 bridges spanning the city's three rivers and steep valleys. The terrain is genuinely hilly. Beechview's Canton Avenue has a 37 percent grade and is one of the steepest streets in the country, and the region sees real winter weather. None of this changes Pennsylvania's minimum coverage requirements, but it is a good reason to carry adequate liability and collision limits rather than the state minimum alone. We can review what makes sense for your commute.

It can. Pittsburgh has the second-oldest housing stock of any major US city, behind only Buffalo, and the median home sold in Pittsburgh in 2024 was 68 years old, according to Axios Pittsburgh. Older homes often have original wiring, plumbing, or roofing that some carriers underwrite differently, and true replacement cost can run higher than a home's market value suggests. We compare carriers that are comfortable insuring older Pittsburgh homes and help you choose coverage that reflects real rebuild cost.

Most Pittsburgh small businesses need at minimum a General Liability policy. Many benefit from a Business Owner's Policy (BOP), which bundles general liability and commercial property at a lower combined cost. If you have employees, Workers Compensation is required by Pennsylvania law from your very first employee. We help you identify the right combination for your industry.

Dragon Insurance is licensed to sell insurance throughout Pennsylvania, including Pittsburgh and Allegheny County, from our office in Camp Hill, near Harrisburg. We do not have a physical branch in Pittsburgh. We serve Pittsburgh clients entirely by phone and online, so you get the same 30+ carrier comparison and service whether you're down the street from our office or across the state.

Call 717-229-5115 or submit the online quote form. We compare rates from 30+ carriers and typically deliver quotes within one hour. Having your current policy and vehicle VIN ready speeds up the process.