Key things to keep in mind when you buy renters insurance in Pennsylvannia

Pennsylvania is one of the best states that offers residents a high-quality life – from some of the top universities to high-quality health facilities.

Whether you come from Erie, or you rent an apartment in Pittsburg, you will most likely want to get renters insurance to help insure your personal items when they are damaged.

And the good news is that you can purchase renters insurance in Pennsylvania to cover and protect both your personal items and liability claims.

That means that if your property is damaged as a result of a natural calamity, or from a break-in, or if someone files a personal injury claim against you, renters insurance will cover the expenses, depending on the type of renters insurance policy you purchase.

In Pennsylvania, renters insurance policies start from $15 to $30 every month. Below is what your renters insurance in Pennsylvania will cover:

  • Snow, or ice
  • Hails and windstorm
  • Explosions
  • Riots
  • Aircraft damage
  • Damage resulting from a vehicle, but not your car
  • Damage by smoke
  • Vandalism
  • Theft
  • Volcanic eruption
  • Fire
  • Lightning
  • Water overflow

If you want to learn more about renters insurance overall, click here!

Unique Laws

Renters insurance is not a requirement under the Pennsylvania state law; however, you’ll most likely need it.

Landlords or property managers will, in most cases, require renters insurance, even though the state of Pennsylvania doesn’t legally require you to have it.

Before you move into an apartment in Pennsylvania, you need to inquire from your landlord or property manager to know if they require you to have renters insurance.

In cases where landlords or property managers will require renters insurance, it will be used to protect your personal belongings or cover your personal injury claims.

Climate

Pennsylvania experiences a humid climate with fluctuations in temperatures and prevailing winds coming from the West. Pennsylvania is part of the Northeast and Mid-Atlantic states and features natural features, such as mountains, lakes, rivers, coastal plains, etc.

Residents in Pennsylvania should expect tornadoes from April to June. According to NOAA, Pennsylvania in 2016, was hit by at least 34 tornadoes – 15 of them happening in May. The average tornado in a year is 16 in Pennsylvania.

Pennsylvania residents are likely to experience natural disasters, such as floods, severe storms, tropical storms, winter storms, tornadoes, landslides and wildfires. According to Patch, Philadelphia, Pittsburgh, etc., are more prone to floods. Winter storms are more common in the Northwestern regions, areas close to Lake Erie.

If you live in Philadelphia, Pittsburgh, Harrisburg, Wilkes-Barre, or Williamsport, purchasing renters insurance to cover you from such natural calamities, such as tornadoes, winter storms, tropical storms, etc, can help save the out-of-pocket money you’d have spent. If your insurer doesn’t provide coverage to floods, find floods insurance policies in your area.

Crime

Someone breaking into your property is the biggest concern Pennsylvania residents have to deal with. According to a report by Safewise, 66 percent of Pennsylvania residents fear that burglars could invade their property when they were away from home. 13 percent property crime rate was recorded in some of the states considered safe.

According to a report, the top 10 most dangerous areas in Pennsylvania include McKees Rocks, Uniontown, Chester, Darby, Pottstown, Yeadon, Johnstown, Duquesne, Ambridge, and Philadelphia. In 2018, McKees Rocks recorded a total of 280 property crimes. Uniontown reported 455 property crimes, higher than that of McKees Rocks area.

According to Safewise, Luzerne Township, Scott Township, Lackawanna County

Cornwall, Adams Township, Cambria County, East Marlborough Township, Upper Yoder Township, Reading Township, Jackson Township, Luzerne County, Fox Chapel are the safest areas in Pennsylvania. Luzerne Township, Scott Township, and Cornwall have not reported any cases this year.

You’ll pay different renters insurance rates depending on the city you live in. If you come from some of the safest cities, you’d want to negotiate for a discount. However, expect to pay more premiums if you come from the most insecure cities in Pennsylvania. 

Most frequently asked question:

What’s The Difference Between Liability And Personal Property?

Renters liability coverage protects you from property damage or bodily injury. On the other hand, renters personal property in Pennsylvania covers your personal items from perils, such as theft, fire, among other calamities.

Still have questions about renters insurance in general? Click here!

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