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If a visitor hurts themselves in your apartment, a fire breaks out downstairs, or wind and water wreak havoc on your belongings, renters insurance may save you. That’s because renters insurance is designed to protect you and most of your belongings from things outside of your control and provide financial assistance to replace items or pay for medical and legal costs. If you are a renter in Oregon–looking for renters insurance–the guide below was designed for you.

The Price For Pennsylvania Renters Insurance

Do you know the going rate for renters insurance in Pennsylvania? It might surprise you. Annually, renters insurance only costs $156 on average — 17% below the national average. And since renters insurance covers thousands of dollars of property and tens of thousands of medical and legal expenses, it’s worth the cost. If you think about how much it would cost to replace a stolen TV, your premium would pay for itself in just one claim.

Coverage When It Counts

In 2012, there were 276,023 burglaries in Pennsylvania. Protecting yourself with the best renters insurance can ensure financial protection if your belongings are stolen and need to be replaced. Pennsylvania renters insurance can also protect against fire, smoke damage, water damage (not flood), and wind. We hope you never have to file a claim due to a misfortune, but you may have to.  Protect yourself now–before you find yourself needing renters insurance.

Discounts for Pennsylvania Renters

Your renters insurance premium is based on factors that insurance companies use to measure how much risk is tied to writing you a policy.  These factors include, your address, claims history, current policies, and more. You may be able to pay less if you qualify for the following discounts:

  • Multi-Policy: Bundle auto or another insurance plan with renters insurance and save.
  • No Prior Claims: Save on your insurance bill if you have a clean claims record.
  • Safety Devices: Installing safety systems like smoke alarms and security systems can result in premium discounts.
  • Higher Deductibles: If you opt into a plan with a higher deductible, you’ll have a lower payment amount every month. Watch out for this though. Your deductible is something you’re responsible for paying if you file a claim.

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In Pennsylvania, 30% of residents rent properties.  Since the average policy is only $156 and a two-bedroom apartment’s rent is on average $914, it’s a relatively cheap protection plan for all that it offers.   If you work a minimum wage job for $7.25 in Pennsylvania, it would only take you 22 hours to pay your annual premium. In the long run, that small investment can save you if you ever have to file a claim.

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