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Pennsylvania Renters Insurance

Pennsylvania has been hit hard by these economic times. Because of this, the residents in this state are renting property at an increasing rate. It is important to know what your rights are as a renter of someone's property. It is important to know that your landlord’s homeowners insurance does not cover the contents of the rental property. Having a renters insurance policy will ensure your possessions are covered in the event of a burglary, fire or weather related disaster.

Pennsylvania renters insurance allows renters to protect their belongings with a policy similar to homeowner’s. Pennsylvania is a state that has all four seasons and a variety of weather conditions. With these severe conditions, it is only prudent to have coverage for your belongings. Combining a apartment insurance with auto and other policies will provide significant discounts.

Pennsylvania renters insurance is categorized by three different policies, which allows you to tailor fit the coverage to fit you and your family’s needs. You have the choice to cover as much or as little as you would like. A basic policy will cover your possessions against fire, theft and liabilities while a comprehensive plan will cover things like expensive jewelry and floods. This is how renters insurance is divided, and any agent can explain in more detail. These plans cost between $10 and $30 on average. Below is a more detailed breakdown.

  • Basic: fire, theft, ice, snow, wind, tornadoes, water damage and natural disasters
  • Intermediate: adds flood insurance to this coverage
  • Comprehensive: adds individual high-cost items like jewelry and antiques

Now that you have some knowledge about Pennsylvania renters insurance, you can see how it provides a unique plan and at an affordable cost. After you take an inventory of your possessions, you will be prepared to obtain a quote and compare companies. With an average premium of a dollar a day, it is well worth the investment to prevent yourself from going through a disaster with no support. Nobody likes to think of the disasters that could happen, but with rental insurance you will be protecting your belongings 365 days a year.