The Best Cheap Renters Insurance in Pennsylvania (2024)
Lemonade offers the cheapest renters insurance in Pennsylvania, with an average rate of $12 per month for $30,000 of coverage.
Compare Renters Insurance Quotes in Pennsylvania
Best Cheap Renters Insurance in PA
ValuePenguin's experts considered cost, customer satisfaction, coverage options and discounts when picking the best companies in PA.
Average rates were compiled by collecting 200 quotes from seven large renters insurance companies across 24 of the largest cities in Pennsylvania.
Cheapest renters insurance companies in Pennsylvania
The cheapest renters insurance company in Pennsylvania is Lemonade, which sells policies for an average of $12 per month. That's 14% less than the next-most affordable option.
The average cost of renters insurance in Pennsylvania is $21 per month for $30,000 of coverage to replace the items in your home. This is cheaper than the average cost of renters coverage in the U.S., which is $23 per month.
Compare Renters Insurance Quotes in Pennsylvania
State Farm is another cheap option at $13 per month. It also has good customer service and local agents who can help you through the claims process.
Cheapest renters insurance companies in Pennsylvania
Company | Monthly cost | ||
|---|---|---|---|
| Lemonade | $12 | |
| State Farm | $13 | |
| Progressive | $18 | |
| Amica | $19 | |
| Allstate | $21 | |
Best renters insurance in Pennsylvania for most people: State Farm
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Editor's rating
- Cost: $13/mo
State Farm has the cheapest renters insurance rates in Pennsylvania.
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Low rates
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Well-rated customer service
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Good discount for bundling with auto
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Many local agents
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Few options for discounts
State Farm has the best combination of low rates and good customer service for renters in Pennsylvania.
The company's average rate of $13 per month for $30,000 of personal property coverage is 37% cheaper than the state average.
State Farm also rates highly in customer satisfaction. It receives complaints at a lower rate than many of its top competitors, according to the National Association of Insurance Commissioners (NAIC). . It also scored well on a J.D. Power survey that measured customer satisfaction for renters insurance customers. Well-rated companies tend to deliver a better experience when you have to make a claim, which is important during a stressful time.
You can also add extra coverage for valuables like jewelry, artwork or firearms.
One downside of State Farm is the company doesn’t offer many discounts. However, you can get a break on rates for bundling your renters policy with car insurance. You may also get one for having a smoke detector, fire or burglar alarm.
Cheapest renters insurance in PA: Lemonade
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Editor's rating
- Cost: $12/mo
Lemonade offers the absolute cheapest renters insurance in Pennsylvania.
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Cheap quotes
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Good online experience
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Mixed customer service reputation
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Limited options to add to your policy
If you want the absolute cheapest renters insurance, Lemonade is your best option in Pennsylvania. The company offers a basic policy with a smooth online experience. Lemonade is a digital-only company, which means you can get quotes and file claims quickly.
Lemonade’s average rate is $12 per month for $30,000 of personal property coverage. That’s about half the state average rate in the Keystone State.
The biggest drawback with Lemonade is that there are no local agents to help walk you through the quote or claims process. It can also be difficult to reach a customer service agent on the phone, so you’ll usually be working with online support..
Lemonade is one of the best-rated companies in J.D. Power’s annual study of renters insurance. But the company also gets more than three times the complaints of an average company its size, according to the National Association of Insurance Commissioners (NAIC).
Lemonade doesn’t offer certain common additional coverages, such as identity theft coverage or flood insurance. However, you can still get helpful add-ons to your renters policy like mold protection or coverage for damage your pets might cause.
Best PA renters insurance for extra coverage: Progressive
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Editor's rating
- Cost: $18/mo
Progressive has a wide range of ways you can add to your renters coverage.
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Wide range off extra coverage options
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Good set of discounts
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Poor customer service
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Not the cheapest option
If you want to add to the protection offered by your standard renters policy, Progressive is a good option in Pennsylvania. The company has one of the best sets of coverage add-ons, and rates that are cheaper than average.
Progressive extra coverage options
- Replacement cost coverage: Pays more to replace your stuff
- Identity theft protection: Helps pay various costs if your identity is stolen
- Equipment breakdown coverage: Helps pay for damage to household equipment such as washers and dryers after an event like an electrical surge
- Earthquake coverage: Extends your policy to cover damage from an earthquake
- Extended liability: Offers more protection if you’re sued for events like someone getting hurt in your rented home
A Progressive policy in Pennsylvania costs an average of $18 per month for $30,000 in personal property coverage. That’s cheaper than the state average, but you can get even lower rates from Lemonde or State Farm.
The biggest downside with Progressive is it has a poor customer service reputation. The company gets 43% more complaints than an average company its size, according to the NAIC. It’s also at the bottom of J.D. Power’s customer satisfaction survey for renters insurance. [/border]
Pennsylvania renters insurance rates: City by city
Among Pennsylvania's largest cities, Lancaster has the lowest average renters insurance rate, at $18 per month.
The most expensive renters insurance in the state is found in the state's largest city, Philadelphia. The average cost of renters insurance there is $28 per month for $30,000 of coverage.
City | Monthly rate | % from average |
|---|---|---|
| Abington | $21 | 2% |
| Allentown | $24 | 13% |
| Altoona | $19 | -11% |
| Bensalem | $21 | 0% |
| Bethlehem | $22 | 6% |
Tips for getting cheap renters insurance in Pennsylvania
The best way to save on renters insurance in Pennsylvania is to get and compare quotes from multiple companies and then take advantage of discounts.
Comparing quotes could save you $318 per year. That’s the difference in average rates between Lemonade, the cheapest in the state, and Farmers, the most expensive.
Most companies offer a wide range of ways to get discounts.
Commonly available renters insurance discounts
- Bundling discount
- Pay in full and automatic payment discounts
- Loyalty discount
- Claims free discount
- Switch discount
Common renters insurance risks in PA
Pennsylvania renters may face risks of snow and flooding.
Snow
Snow storms are common in Pennsylvania, and some parts of the state can see more than 100 inches per year.
Standard renters insurance will protect your property from damage related to snow. However, if something in your home is damaged because of negligence, you will likely not be covered. For example, if you accidentally leave a window open and snow blows in, damaging your TV, you likely won’t get a payout to replace it.
Flooding
Pennsylvania is particularly prone to flooding, especially in areas and cities built near rivers, including Philadelphia, Scranton and Pittsburgh.
Regular renters insurance won't pay for flood damage. This could be an issue as flooding could destroy your furniture and personal property. You can purchase a renters flood policy that will cover the contents of your home either from a private insurance company or the National Flood Insurance Program. Flood insurance for renters is much cheaper than homeowners flood coverage.
You can find how at-risk your rented home with the flood map tool available on the Federal Emergency Management Agency (FEMA) website.
Frequently asked questions
How much is renters insurance in PA?
Renters insurance in Pennsylvania costs, on average, $21 per month for $30,000 in personal property damage. That's $2 less per month than the average cost of renters insurance nationally.
Who has the best renters insurance in PA?
State Farm has the best renters insurance for most people in Pennsylvania. It offers some of the cheapest quotes in the state, at an average of $13 per month, and it has good customer service.
Does PA require renters insurance?
The state of Pennsylvania doesn't require renters to have insurance. Your landlord or property management company may require you to buy a policy as a part of your lease agreement, though.
How much is renters insurance in Pittsburgh?
Renters insurance in Pennsylvania's second-largest city, Pittsburgh, is an average of $21 per month for $30,000 of personal property coverage. That's 2% more than the state average. In comparison, people living in the largest city in the state, Philadelphia, pay $28 per month for the same coverage.
Methodology
ValuePenguin collected more than 150 quotes from across the 25 largest cities in PA for an unmarried 30-year-old woman with no claims history. Coverage limits include:
- $30,000 of personal property coverage
- $9,000 for loss of use
- $500 deductible
- $100,000 of personal liability
- $1,000 of medical payments to guests
Customer service star ratings are based on complaint information from the National Association of Insurance Commissioners (NAIC), J.D. Power's 2023 renters insurance customer satisfaction study rankings and ValuePenguin’s own company ratings.
These rates should be used for comparative purposes only. Your quotes will likely differ.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.