When you rent a house or apartment, your property owner typically has insurance to cover the exterior of the building. But what happens if someone trips and falls into your apartment? The landlord's policy will not cover that. You need renter's insurance for those claims.
Renters insurance coverage can help protect your property from unexpected damage by providing you with low-cost coverage. There are many renter's 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.
Key takeaways
- Pennsylvania residents pay an average of $20 monthly for standard renters insurance policy.
- With a J.D.Power score of 886 out of 1,000, USAA is the best renters insurance company based on the Insurance.com research. The average rate of the policy is $210 per year.
- The average annual rate of the most expensive ZIP code in Pennsylvania is $155 more than the state average for a renters insurance policy.
- At $100 per year, Erie Insurance offers the cheapest renters insurance in Pennsylvania.
- Best renters insurance companies in Pennsylvania
- Compare best renters insurance companies in Pennsylvania
- How much is renters insurance in Pennsylvania
- 10 Most expensive zip codes in Pennsylvania for renters insurance
- 10 Least expensive zip codes in Pennsylvania for renters insurance
- Cheap renters insurance in Pennsylvania by carrier
- Methodology
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:
| Company | Average rating(out of 5) |
|---|---|
| USAA | 4.5 |
| Erie Insurance | 4 |
| State Farm | 4 |
| Nationwide | 4 |
| Allstate | 3.5 |
| Farmers Insurance | 3 |
| Travelers | 2.5 |
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 $210 and earned the highest J.D. Power score (886) among the carriers surveyed.
Apart from USAA, you can get Pennsylvania renters insurance from carriers like Erie Insurance, State Farm. All these companies provide cheap insurance rates and they have also 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.
| Company | J.D. Power Score | Average Annual Premium | AM Best Ratings |
|---|---|---|---|
| Allstate | 837 | $195 | A+ |
| Erie Insurance | 851 | $100 | A+ |
| Farmers Insurance | 831 | $226 | A |
| Nationwide | 859 | $262 | A+ |
| State Farm | 836 | $195 | A++ |
| Travelers | 801 | $534 | A++ |
| USAA | 886 | $210 | A++ |
How much is renters insurance in Pennsylvania
The average annual premium cost for renters insurance in Pennsylvania is $241 or $20 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.
| Average Annual Premium | Average Monthly Premium |
|---|---|
| $241 | $20 |
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 19110, its average annual rate is $396--- $155 more than the state average ($241).
Below is a list of the 10 most expensive zip codes in Pennsylvania for renters insurance.
| ZIP code | Average Annual Rate |
|---|---|
| 19110 | $396 |
| 19190 | $392 |
| 19109 | $391 |
| 19142 | $376 |
| 19133 | $374 |
| 19140 | $372 |
| 19144 | $371 |
| 19121 | $370 |
| 19141 | $370 |
| 19134 | $369 |
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 17022, its average rate is $205 annually.
Here are the least expensive zip codes for renters insurance in Pennsylvania.
| ZIP code | Average Annual Rate |
|---|---|
| 17022 | $205 |
| 17013 | $205 |
| 17015 | $206 |
| 17065 | $206 |
| 17241 | $206 |
| 17007 | $206 |
| 17201 | $206 |
| 17257 | $207 |
| 17050 | $207 |
| 17078 | $207 |
Cheap renters insurance in Pennsylvania by carrier
Erie Insurance is the cheapest renters insurance company in Pennsylvania that provides renters insurance policies at an average of $100 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.
| Company Name | Average Annual Premium |
|---|---|
| Erie Insurance | $100 |
| Donegal | $161 |
| Allstate | $195 |
| State Farm | $195 |
| USAA | $210 |
| Farmers | $226 |
| Nationwide | $262 |
| Travelers | $534 |
Methodology
Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1000 deductible and $100,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $40,000, liability coverage of $100,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.
