If you are moving into a new rental home or apartment, you may have to show proof of your renter's insurance when you sign the lease.

It’s important to find company that will protect your home without any surprises. 

In this guide, we've laid out the top 5 renter's insurance agencies in Pennsylvania for you.

If you are in a rush, our top pick is Lemonade.

Our #1 Pick

lemonade logo large

Lemonade is our #1 pick overall for renters insurance in Pennsylvania. Their application is super fast, their site is easy to navigate, and they have some of the lowest rates.

renters insurance pa

Who Made The List of Best Renters Insurance In Pennsylvania?

Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.

renters insurance pa

Who Made The List Of Best Renters Insurance In Pennsylvania?

Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.

1. Lemonade

5.0

lemonade logo large

Lemonade is changing the way the industry does insurance. They’ve built a smart AI that, with a few answers, can build you a personalized policy that grants you the coverage you need.

Lemonade takes a small fee off the top of your insurance payment and uses the rest to pay on claims. Any funds that are left over are given to a charity of your choice at the end of the year.

Pros

  • It takes about 90 seconds to get insurance
  • They pay claims in as little as three minutes
  • Lemonade has competitive coverage costs
  • They’ll do the work of transferring your old policy for you
  • Their Giveback program benefits those in need

Cons

  • Some people cannot get Lemonade in their state

Lemonade has an A- rating from the Better Business Bureau, and while they’re not rated by AM Best, they do have an A Exceptional rating from Demotech.

Lemonade offers the best overall renter's insurance for the price.


2. Quote Wizard

4.0

quote wizard logo

QuoteWizard is an insurance market that makes insurance companies fight for your business.

They’re not affiliated with any insurance company, so all you get are competing quotes and no hard sell.

The result? You get the best possible policy for the price.

Pros

  • Insurance companies compete for your business, so you can get covered fast.
  • You can directly compare policies and prices from several insurance companies.

Cons

  • A few customers have noted that they received quotes after choosing a policy

QuoteWizard has not been rated by the Better Business Bureau or AM Best.

QuoteWizard is the best insurance company when it comes to comparing prices and policies between insurance companies.


3. Progressive

4.5

progressive logo

Everyone knows Flo. After all, she’s been trying to get us to change to Progressive for years.

Progressive is one of the largest insurance companies in the market, and they are aggressive with their discount offerings.

At last count, there were over 20 ways to save on your insurance policies with them. They also show you their competitor’s rates for the same coverage before you buy.

Pros

  • Offers a variety of tools for the tech-savvy, including their “Name Your Price” tool
  • Numerous discounts available for all walks of life
  • Lets you see if another company offers the same coverage at a lower price

Cons

  • Policies can be above average cost if you don’t qualify for a discount

Progressive has an A+ rating with the Better Business Bureau as well as with AM Best.

Progressive has the best discounts as well as highly rated customer service.


4. State Farm

4.7

state farm logo

State Farm is a leader in the insurance business and for a good reason. They offer comprehensive coverage for both your personal life as well as your business.

If you’re looking for a one-stop-shop, State Farm also provides banking and investment services.

Pros 

  • You can bundle personal and business insurance options in with your renter’s insurance
  • Highly rated mobile app helps you stay in contact with your agent while on-the-go
  • You can file and track your claims online through their website

Cons

  • Some customers have negative experiences when dealing with auto claims

State Farm has an A+ rating with the Better Business Bureau and an A++ rating with AM Best.

State Farm offers the best policies for freelancers and those who work from home.


5. Amica

4.5

amica logo

Amica is quickly proving to be one of the best in the business.

Their customer service recognition has a long history, and they are the first insurance provider to earn fifty J.D. Power Customer Satisfaction awards. 

In short, Amica offers renters insurance PA residents will surely value.

Pros

  • Nationally recognized, award-winning customer service
  • Amica receives few complaints relative to its size
  • A quality mobile app allows broad capabilities for managing your insurance
  • Offers bonuses for referring friends who purchase a policy

Cons

  • The company sometimes does not grant policies to those who will likely file more claims.

Amica has an A+ rating from the Better Business Bureau and AM Best.

Amica has the best customer service overall.


Is Renter's Insurance Required in Pennsylvania?

No. Commonwealth law does not require you to carry renter's insurance in PA.

However, landlords and property managers may require proof of renter's insurance when you sign your lease.

Some may even require a certain level of coverage for your policy.

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Does Pennsylvania Renters Insurance Cover Floods?

No. Pennsylvania gets a ton of rain, so water damage is a concern if you live on a low plain.

Renters Insurance policies do not typically cover flood damage.

They do include water damage from a leaky roof or burst pipe.

You have the option of purchasing flood insurance as a separate policy, however.

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

What Does Pennsylvania Renters Insurance Cover In 2020?

Most renter's insurance policies in Pennsylvania offer the same types of coverage, no matter how basic or comprehensive your policy.

Personal Property

The personal property policy covers the cost of replacing or repairing your personal belongings in the case of some types of damage or theft.

Covered perils will be specifically named in your policy.

Personal Liability

Personal liability coverage will pay for any damage or injury you might accidentally cause to someone else's property or person.

This part of your insurance policy can include limited coverage of medical costs if a guest is injured while on your property.

Loss of Use

If you cannot live in your rented home or apartment due to a covered incident, your loss of use rider will help cover temporary living quarters and possibly even your groceries.

INSURANCE WHERE YOU LIVE

Renters insurance by state.

What is the Average Renter's Insurance Premium in Pennsylvania?

The average cost of renter's insurance in Pennsylvania is approximately $14 a month, although we've seen some policies as low as $11.

Remember, the lowest priced policy may not automatically be the best. Make sure to compare the coverage levels you’re getting for that price.

Will Renters Insurance Cover My Roommate?

No. Unless you add your roommate to your policy, they are not covered.

They should purchase a renters insurance policy of their own.

How Can I Buy Pennsylvania Renters Insurance?

To buy Pennsylvania renters insurance you should follow the below steps.

View Your Instant Quote

First, you want to click here or any of the above buttons to start the quote process, you won't need any personal information other than the address to get your quotes fast. Once you have your quotes and pick the coverage option that works best for you, it's time to get covered.

Get Your Personal Information Together

You will need your name, address, and Social Security number. The online forms guide you through several questions to learn more about the rental you will be living in and what coverage you need. 

Start Your Online Application

Once you have all of your personal information together, your next step will be to start the application. This will be easy by just following the prompts after you complete your quote. 

Know The Safety Features Of Your Rental 

The application might ask about smoke detectors, sprinkler systems, and deadbolts. The best renters insurance will offer discounts for those features.

Sometimes, the intake form may also ask if you have pets, especially certain dog breeds. Overall the process can take less than five minutes. 

Answer Your Questions Honestly

Be sure to answer every question, truthfully. If you do not, and something happens, the company may deny your claim. Even if they do not deny your claim, you still may be committing fraud. 

Add Any Additional Interest

Some landlords may require you to add them as an additional interest; this will let them know if the policy has lapsed or when you have renewed your policy. Most companies can add this during the application process or immediately afterward.

Print Your Proof Of Insurance

Once your policy has been approved and paid for, simply print out your proof of insurance, and you're covered.

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

Take Action 

If you need renter’s insurance in Pennsylvania, Lemonade is our top choice because it provides value and simplicity.

If you have a unique situation, like being in college, other options on our list may be better for you.

Don't waste any time thinking about this, if you need renters insurance, we’ve done the hard work for you. Get your free renters insurance quote today.


Aten-Re El

About the author

Aten-Re El is a Co-Founder and Chief Operating Officer of Simply Insurance as well as a licensed life & health insurance agent with over 11 years of experience. Aten-Re is responsible for the daily operations of Simply Insurance and building and procuring strong client relationships with our insurance partners.

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