Renters Insurance in Pennsylvania

Renters in PA can get insurance for $13 to $22 a month.

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Renters Insurance in Pennsylvania

The average Pennsylvania renters insurance policy costs $16 per month, which is lower than the national average of $18 per month. With the right renters insurance company and policy, you could protect your home and possessions from disaster for as low as $13 per month.

In this article, we'll cover:

Cheapest renters insurance companies in Pennsylvania

Based on our research, we found that Nationwide offers the cheapest rates in Pennsylvania. Renters insurance rates vary between companies. We reviewed renters insurance quotes from five companies in Pennsylvania. Listed below are rates from some of the state's biggest renters insurance companies.

Company Average annual premium

Allstate

$180

Farmers

$262

Travelers

$177

Nationwide

$161

Amica

$195

Note: Average rates are based on online quotes from provider websites. Your rates may vary.

Besides buying affordable coverage, you can increase your deductible or bundle your renters insurance with another type of insurance to save money on your policy.

Although cost is important, you should also take into account additional factors when choosing your policy. For example, is it important to you to have a dedicated agent? Do you want to be able to visit a brick-and-mortar office? Does the company have agents available via phone at all times in case disaster strikes? You should also look into these factors when checking out quotes.

How to compare renters insurance companies in Pennsylvania

If you're deciding between multiple renters insurance companies, compare their customer service and satisfaction ratings. You can get the most value out of your policy by choosing a company with a good customer service reputation.

We used two different scores to evaluate customer service: the J.D. Power satisfaction index and the NAIC Complaint Index. Here's a snapshot of the best renters insurance companies in Pennsylvania:

Company 2021 J.D. Power overall satisfaction (out of 1,000) 2020 NAIC Complaint Index (lower is better)

Lemonade

870

1.85

State Farm

866

1.46

American Family

838

1.19

Nationwide

834

1.31

Allstate

833

1.47

Farmers

831

1.64

Travelers

815

0.27

Amica

-

1.96

Note: Complaint Index is based on 2020 data from the National Association of Insurance Commissioners. J.D. Power ratings are based on the 2021 US home insurance study.

According to our analysis, American Family has good scores on both the J.D. Power study and the NAIC Complaint Index. State Farm is also a good option for most people, with a high satisfaction score and relatively low Complaint Index.

Best for discounts: Amica

If you're looking for an insurer that offers a variety of discounts, we recommend Amica for your renters insurance coverage. With Amica, you can save up to 15% if you bundle your renters and car insurance coverages. You can also get a discount if you sign up to receive policy information and bills electronically. Amica offers a loyalty discount and a discount if you haven't had a claim in the past three years, too.

Best for coverage: Nationwide

All renters insurance companies offer personal property coverage and liability protection. However, other coverages may vary between companies. Nationwide offers the most coverages of the companies we surveyed, as well as a variety of optional coverages. Nationwide also offers coverages that many other insurance companies don't include in their standard coverages, such as credit card coverage.

Best overall: Nationwide

Nationwide offers the most affordable renters insurance rates, as well as the most diverse coverages of the companies we researched. Nationwide has an average annual premium of $161. Like most insurers, Nationwide offers a bundling discount and a claims-free discount. Although Nationwide has an average score of 834 on J.D. Power's 2021 Renters Insurance Study, its cheap rates and extensive coverage make it our top choice.

Cost of renters insurance in Pennsylvania by city

Renters insurance rates vary from city to city in Pennsylvania. Philadelphia, which is the most populous city in the state, has an average rate of $290 a year. Below are average annual rates for some of the biggest cities in Pennsylvania.

City Average annual premium

Philadelphia

$290

Pittsburgh

$278

Erie

$191

Reading

$183

Scranton

$188

Lancaster

$179

Harrisburg

$185

Altoona

$179

State College

$179

Note: Average rates are based on online quotes from provider websites. Your rates may vary.

Renters insurance quotes in Pennsylvania

We highly suggest getting renters insurance quotes from several companies. Luckily, QuoteWizard makes it easy to do this in one simple step. However, before getting a quote it is good to know exactly what you are looking for in one. The most important part of recognizing whether a quote is right for you is knowing how much renters insurance you need. Many insurers allow you to customize your policy by adding riders, which can increase coverage limits or give you coverage for more scenarios.

If you own valuable items such as art, jewelry or antiques, we recommend adding extra coverage to protect them.

Pennsylvania renters insurance laws

Similar to most other states, Pennsylvania doesn't require tenants to have renters insurance. However, there is no law that says your landlord can't require you to have it. Thus, it is best to communicate with your landlord before signing your lease about their policies regarding renters insurance.

Keep in mind that he or she may reply that they have renters insurance, but that does not necessarily mean you and your possessions are covered. Your landlord may have a policy that protects the building and its appliances, but there's a good chance you remain completely uncovered. Most of the time, you will need your own policy apart from your landlord's.

In instances where your landlord requires renters insurance, they are considered an “interested party” and will be notified of your coverage and any changes to it. If you live with roommates, you may be able to share a renters insurance policy. However, it's generally not a good idea to share renters insurance with a roommate. Everyone will likely need their own renters insurance policy, unless they are family members.

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