Philadelphia has 1,579,706 residents in 679,428 households. We list 21 agencies for life insurance in Philadelphia. Here is what the local numbers say about the cover people here need.

Philadelphia at a glance

21life insurance agencies listed
48.2%of households rentRenters insurance
$243,100median home valueHome insurance
1949median year homes were builtRebuild cost calculator
27.9%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Philadelphia County

FEMA rates the overall natural hazard risk in Philadelphia County, where most Philadelphia agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Winter weatherVery High
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Philadelphia
EarthquakeRelatively High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Strong windRelatively High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Philadelphia

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Pennsylvania

Pennsylvania requires drivers to carry at least $15,000 of bodily injury liability per person, $30,000 per accident and $5,000 of property damage liability, often written 15/30/5. A combined single limit of $35,000 is accepted instead. It also requires medical benefits coverage ($5,000). Pennsylvania is a choice state: drivers choose between no-fault and traditional at-fault cover.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Philadelphia How much liability cover do you need?

Source: pa.gov. Checked 2026-10-24.

Insurance companies Philadelphia agencies work with

Of the 21 Philadelphia agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Aetna6 agencies
Nationwide6 agencies
UnitedHealthcare6 agencies
Corebridge (AIG Life)5 agencies
HealthSpring Life & Health Insurance Company,5 agencies
Medicare Advantage5 agencies
Transamerica5 agencies
Ameritas Life Insurance4 agencies
Centene4 agencies
Foremost4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Philadelphia agencies are

Philadelphia agencies we list sit in 11 ZIP codes, mostly in Philadelphia County.

191036 agencies
191464 agencies
191062 agencies
191482 agencies
191071 agency
191161 agency
191271 agency
191281 agency
191451 agency
191471 agency
191501 agency

Questions

Life insurance in Philadelphia

All insurance agencies in Philadelphia · Life insurance across Pennsylvania

Where can I find life insurance in Philadelphia?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does life insurance cover?

Pays a lump sum to the people who depend on your income.

Which insurance companies do Philadelphia agencies work with?

Among the 21 Philadelphia agencies whose appointments we hold, the companies they are most often appointed with are Aetna (6), Nationwide (6), UnitedHealthcare (6), Corebridge (AIG Life) (5), HealthSpring Life & Health Insurance Company, (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Philadelphia?

FEMA's National Risk Index rates inland flooding risk in Philadelphia County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Life insurance near Philadelphia

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