Pennsylvania renters insurance

Whether you're looking for renters insurance in Philadelphia, Pittsburgh, Lancaster, or anywhere else across the Keystone State, you can find reliable coverage for less than $1/day through Progressive. See renters insurance requirements, coverages, discounts, and cost information.

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Pennsylvania renters insurance coverages

Check out the four standard coverages on nearly all Pennsylvania renters insurance policies:

Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Pennsylvania is always a policy with customized coverage. Here are some extra options for when you need more protection:

Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Pennsylvania?

Renters insurance in Pennsylvania isn't required by law, but your landlord or rental company may require you to have a policy before you can move in. Even if it's not required, renters insurance may provide dependable protection for tenants renting apartments, homes, or condos throughout Pennsylvania.

Pro tip:

Want to make sure your belongings are covered while moving? Learn how renters insurance works when your stuff is in transit.

Is renters insurance worth it in Pennsylvania?

A renters insurance policy offers affordable protection in various circumstances:

Some household items are stolen from your external storage unit at your apartment complex. Personal property coverage may pay to replace the times, up to your coverage limit.
A water leak in your apartment causes extensive damage, and you must move out while repairs are being made. Loss of use coverage may pay for lodging costs while you are out of your home, up to your coverage limit.
A friend is injured at a party in your home. Medical payments coverage may pay their medical bills, up to your coverage limit.

How much is renters insurance in Pennsylvania?

Progressive renters policies in Pennsylvania had an average monthly price of $15.88, or $190.72 an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by many components, including your location, type of residence, and claims history.

Coverage limits may also affect your renters insurance premium. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Pennsylvania?

Take advantage of renters insurance discounts to help lower your rate. You can save with Progressive by bundling policies, quoting in advance, paying in full, and living in a secured or gated community.

BUNDLE YOUR PENNSYLVANIA RENTERS WITH AUTO INSURANCE AND SAVE!

You may be able to bundle your renters and auto policies to earn a discount. Learn more about bundling insurance at Progressive.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or contact a local agent to help ensure you're getting all applicable discounts.