diff --git a/changelogs/fragments/1124-pg_hba-dictkey bugfix.yaml b/changelogs/fragments/1124-pg_hba-dictkey bugfix.yaml
new file mode 100644
index 0000000000..82fd4e256c
--- /dev/null
+++ b/changelogs/fragments/1124-pg_hba-dictkey bugfix.yaml	
@@ -0,0 +1,2 @@
+bugfixes:
+  - pg_hba - fix a crash when a new rule with an 'options' field replaces a rule without or vice versa (https://github.com/ansible-collections/community.general/pull/1124).
diff --git a/plugins/modules/database/postgresql/postgresql_pg_hba.py b/plugins/modules/database/postgresql/postgresql_pg_hba.py
index e8f52c1c44..1f484bcfea 100644
--- a/plugins/modules/database/postgresql/postgresql_pg_hba.py
+++ b/plugins/modules/database/postgresql/postgresql_pg_hba.py
@@ -335,7 +335,7 @@ class PgHba(object):
             ekeys = set(list(oldrule.keys()) + list(rule.keys()))
             ekeys.remove('line')
             for k in ekeys:
-                if oldrule[k] != rule[k]:
+                if oldrule.get(k) != rule.get(k):
                     raise PgHbaRuleChanged('{0} changes {1}'.format(rule, oldrule))
         except PgHbaRuleChanged:
             self.rules[key] = rule
diff --git a/tests/integration/targets/postgresql_pg_hba/tasks/postgresql_pg_hba_initial.yml b/tests/integration/targets/postgresql_pg_hba/tasks/postgresql_pg_hba_initial.yml
index d4801d48aa..478d893617 100644
--- a/tests/integration/targets/postgresql_pg_hba/tasks/postgresql_pg_hba_initial.yml
+++ b/tests/integration/targets/postgresql_pg_hba/tasks/postgresql_pg_hba_initial.yml
@@ -58,6 +58,20 @@
   register: pg_hba_change
   with_items: "{{pg_hba_test_ips}}"
 
+- name: Able to add options on rule without
+  postgresql_pg_hba:
+    dest: "/tmp/pg_hba.conf"
+    users: "+some"
+    order: "sud"
+    state: "present"
+    contype: "local"
+    method: "cert"
+    options: "{{ item }}"
+    address: ""
+  with_items:
+  - ""
+  - "clientcert=1"
+
 - name: Retain options even if they contain spaces
   postgresql_pg_hba:
     dest: "/tmp/pg_hba.conf"