Pennsylvania Renters Insurance

Learn more about renters insurance in Pennsylvania.

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How to get affordable renters insurance in Pennsylvania

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters insurance policy protects household items in the event of fire, smoke damage, a wind event, theft, vandalism and a collection of other events.

Unlike auto insurance, renters insurance isn't controlled by state legislation. That said, there are substantial gaps in the cost of renters insurance from state to state. Renters insurance prices in a given state may vary depending on the number and cost renters policy claims submitted in the state, and depend on the price of the belongings you're insuring.

Pennsylvania renters insurance is less expensive than the national average. The typical annual renters insurance rate in Pennsylvania is $124, $60 less expensive than the average across the nation.

The best way to find a cheap renters insurance policy in Pennsylvania is to get quotes from as many insurance companies as you can. Learn renters insurance costs in Pennsylvania by reviewing the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.

 
Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

 

Renters insurance prices in Pennsylvania by company

Rates for renters insurance in Pennsylvania will vary depending on the insurer you select. Penn National Insurance offers the most affordable renters insurance in Pennsylvania — just $69 per year. This beats the state mean rate of $124, providing a 45% price cut on average statewide renters insurance costs.

Begin your search for cheap renters insurance by viewing average rates from top Pennsylvania carriers, listed below.

 
AFFORDABLE RENTERS INSURANCE COMPANIES IN PENNSYLVANIA
CompanyAverage Yearly Rate in Pennsylvania
Penn National Insurance$69
Encompass$80
USAA$107
Donegal Mutual Insurance Company$111
Great Northern$137
 

Pennsylvania renters insurance costs by city

Renters insurance rates in Pennsylvania vary depending on the city. Policy pricing depends on city-specific variables, including the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance rates in Pennsylvania are available in Lebanon. The average renters insurance policy in Lebanon costs $107 per year — $17 less than the statewide average. Reference the below table to see the cheapest cities in Pennsylvania for renters insurance.

 
CHEAPEST CITIES FOR RENTERS INSURANCE IN PENNSYLVANIA
CityAverage Yearly Renters Insurance Rate
Lebanon$107
Lancaster$107
Harrisburg$108
York$109
Reading$114
 
 

Looking for information about renters insurance for a specific city? Have a look at our listof major metropolitan areas in Pennsylvania.

  1. Philadelphia
  2. Pittsburgh

 

Renters insurance in PA by coverage tier

Your renters insurance rates will vary depending on the amount of coverage you purchase. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Pennsylvania, the annual cost differential between these options is approximately $56. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.

Coverage LevelAverage Annual Renters Insurance Rate in Pennsylvania
$25K Property$96
$50K Property$152
 

Tip: bundle auto and renters insurance in Pennsylvania

If you want to save on insurance, consider purchasing your renters and auto policies from the same insurance company. A renters and car insurance bundle in Pennsylvania can lead to substantial savings on your auto insurance bill. In fact, bundling policies in Pennsylvania may generate a yearly discount of $91.

 
CAR AND RENTERS BUNDLING DISCOUNTS IN PENNSYLVANIA
Avg. Annual Rate (No Bundle)Avg. Annual Rate (w/ Bundle)Annual Savings ($)Annual Savings (%)
$1,390$1,299$917%
 

Pennsylvania renters insurance FAQs

 

Is renters insurance required in Pennsylvania?

While there is no law in Pennsylvania requiring tenants to carry renters insurance, a landlord can make this a requirement in your lease.

What does Pennsylvania renters insurance cover?

Renters insurance in Pennsylvania provides coverage for your home's contents, liability coverage, medical payments to others, as well as additional living expenses. These options may vary depending on which company you choose.



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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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