Best renters insurance in Pennsylvania

When you rent a house or apartment, your property owner typically has insurance to cover the structure. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renters insurance for those claims.

Renters insurance can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renters insurance companies in Pennsylvania, but not all of them are worth your time. We’ve compared the best renters insurance companies based on their average premium cost and customer service rating to make your job easier.

Best renters insurance companies in Pennsylvania

When it comes to choosing the best renters insurance company in Pennsylvania, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in Pennsylvania. Below is the list of best renters insurance companies in Pennsylvania:

• USAA
• State Farm
• Nationwide
• Allstate
• Travelers

Compare best renters insurance companies in Pennsylvania

USAA is our top pick for the best renters insurance company in Pennsylvania. Its average rate for Pennsylvania residents is $278 and earned the highest J.D. Power score (893) among the carriers surveyed.

However, USAA is only available to people serving in the military, veterans, and their family members. Apart from USSA, you can get Pennsylvania renters insurance from carriers like State Farm, Nationwide, and Allstate. All these companies provide the most affordable renters insurance policies and they have earned good scores from J.D. Power.

There are a lot of different options for renters insurance in Pennsylvania. How do you know which one is the best for you? Compare the average rate and J.D. Power score of the insurance providers mentioned below to find the best renters insurance company for your rented home or apartment.

How much is renters insurance in Pennsylvania

The average annual premium cost for renters insurance in Pennsylvania is $261 or $22 a month. The recommended coverage level for renters insurance is $100,000 for liability protection, $40,000 of personal property coverage, with a $1,000 deductible, based on a rate analysis by Insurance.com.

Although prices differ depending on your location within the state, coverage limits, and value of your belongings. Make sure you compare price quotes from all the major insurance companies to get a standard renters insurance policy.

10 Most expensive zip codes in Pennsylvania for renters insurance

The cost of renters insurance in Pennsylvania can vary depending on where you live. There are certain areas that are more prone to theft and higher crime rates that lead to higher renters insurance premiums. The most expensive zip code for renters insurance in Pennsylvania is 19133, its average annual rate is $437---$176 more than the state average ($261).

Below is a list of the 10 most expensive zip codes in Pennsylvania for renters insurance.

10 Least expensive zip codes in Pennsylvania for renters insurance

We have gathered quotes from major insurance carriers across all the zip codes and found that the least expensive zip code for renters insurance is 17201, its average rate is $224 annually.

Here are the least expensive zip codes for renters insurance in Pennsylvania.

Cheap renters insurance in Pennsylvania by carrier

Erie is the cheapest renters insurance company in Pennsylvania that provides renters insurance policy at an average of $144 a year, based on Insurance.com's rate analysis.

There are many carriers in Pennsylvania that offer cheap renters insurance policies. Some of the best deals can be found by shopping around and comparing rates. The table below shows some of the cheapest renters insurance providers in the state.