Renters insurance PA tenants buy covers the same three things everywhere, your belongings, your liability and your temporary housing if the unit becomes unlivable, priced for Pennsylvania's older rental stock, where the water leak from the apartment above and the January freeze are the claims. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
What the policy covers in a Pennsylvania rental
Personal property against fire, theft, vandalism and water damage from inside the building, at replacement cost if you choose it; liability if a guest is hurt or you damage the building; loss of use for a hotel or a short lease while a covered loss is repaired. The building, the roof and the landlord's appliances are the landlord's policy.
How the price is built
Contents limit and replacement cost or actual cash value, deductible, liability limit, the building's construction and age, and the territory: Philadelphia and Pittsburgh price differently from the smaller cities and the college towns. III: renters insurance sets out the coverages plainly.
The Pennsylvania claims
Water damage from other units and old plumbing, theft, fire, and freeze in older buildings without good heat. The III reports that 5.5 percent of insured homes had a claim in 2022, so most policy years end with nothing paid out and the price is paid for the year something is.
Compare filed rates
The rate pages on this site show what carriers file for renters cover in Pennsylvania at each contents limit; quote three carriers on the same limits and deductible. The filed rates on this site show how carriers price this where you live, and quotes taken on the same limits and deductible are the only fair comparison.
Questions people ask about renters insurance pa
How much is renters insurance in PA?
The national renters average is $170 a year; the filed Pennsylvania rates on this site show what carriers charge at each contents limit.
Does renters insurance PA landlords require cover the landlord's building?
No. It covers your belongings and your liability; the landlord's policy covers the structure.
Is water damage from the apartment above covered?
Yes, for your belongings, under most policies; the source unit's tenant or the landlord is responsible for the rest.