Renters Insurance in Pennsylvania

Name: Daniel Fitzsimmons Agency, Inc
Address: 715 Twining Road, Suite 101, Dresher, PA, 19025
Telephone: 215-885-0430

Just because you rent your home, apartment, or condo doesn't mean you don't need insurance. In the event of fire damage, storms, theft, or vandalism, renters’ insurance will cover you. We provide renters' insurance coverage at Daniel Fitzsimmons Agency in Dresher, PA. We want to help you find a policy that fits your lifestyle and meets your needs.

Renters Insurance Requirements

Pennsylvania does not require renters to obtain insurance. However, it is highly recommended that you purchase a policy, as your landlord's insurance coverage will not protect your belongings.

Renters Insurance Coverage

Here are the different types of coverage you can obtain to protect your rental unit and belongings:

Liability: In case you cause damage to another person's property or themselves, this will cover you if a lawsuit is filed against you. For example, if you host a party and a visitor trips and injures themselves, you'll be protected.
Additional living expenses: If your rental home, condo, or apartment is in need of some major repairs or becomes uninhabitable following a natural disaster, this will cover your meals, hotel stays, and more.
Personal property: If your personal items are stolen from your rental home, condo, or apartment, this will cover the costs of replacing them. If they become damaged, it will cover repair costs, if necessary.

Renters' insurance will cover:

Shoes and clothing
Smart devices
Beds
Tables, chairs, and other furniture
Sofas and recliners

Renters' insurance does not cover:

Pests
Riots
Earthquakes

Water damage may or may not be covered. It all depends on the actual cause of the water damage. For example, if a sink leaks or a pipe burst and causes valuable items to become damaged, your policy may cover the damages. Yet, you may not be covered if your home floods because of a natural disaster.