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Find the best renters insurance in Allentown to ensure your belongings are protected.
Allentown is the third largest city in Pennsylvania and one of the oldest major cities in the United States. Allentown has buildings that date back to the 1700s, historical museums, an amusement park, and a lot of renters, as 55% of the city’s occupied housing units are rented rather than owned.1 If you’re a renter in Allentown, you should consider purchasing renters insurance.
Renters insurance ensures that your personal belongings are protected instances of burglary or weather-related damage. It also covers your liability if someone is injured in your home, and offers coverage for living expenses if you’re forced to live away from home in the event that the pipes burst and it becomes uninhabitable. There are countless other reasons you should consider renters insurance if you live in Allentown, from rate affordability to the mere uncertainty that comes with living in an urban area. Read on to learn more about why renters insurance makes sense for Allentown residents.
|Insurance Company||Monthly Cost - $500 Deductible||Monthly Cost - $1,000 Deductible|
Methodology: We pulled renters insurance quotes online from five of the most popular insurance companies: State Farm, Lemonade, Allstate, Travelers and Stillwater. Quotes were for policies with $500 and $1,000 deductibles for a 30-year-old female apartment renter. We deferred to the most comparable coverage amounts when identical policies were unavailable.
Renters insurance is about far more than simply protecting your personal property. If someone is accidentally injured in your home and requires legal or medical expenses on your behalf, that financial burden is lifted off your shoulders with renters insurance.
If you’re forced to move out of your apartment because of hazards like fire or water damage, your renters insurance loss-of-use coverage provides you and your family with additional expenses to cope with this misfortune. Loss-of-use coverage, also called additional living expenses coverage, may also supply funds for hotel expenses and additional car mileage if the need arises.
Here’s a rundown of the components you should look for in a policy when comparing renters insurance quotes.
We’ve got a full explainer of what renters insurance covers here.
Renters insurance is not a legal requirement in Allentown or the state of Pennsylvania, but landlords and management companies may put a clause in the lease requiring tenants purchase a policy. In fact, considering Allentown’s habit of attracting some pretty harsh weather during the winter, a renters insurance provision might not be a bad idea.
Renters insurance is among some of the most affordable insurance types to buy, and considering your most cherished personal belongings are typically stored in your residence or storage units, it should be a no-brainer in any city.
Allentown doesn’t stand out as far as property crime goes, as levels of arson, burglary and theft are about on par with the national average, according to the FBI Crime Data Explorer.2 But even in predominantly safe Allentown, renters insurance is a necessary safeguard to have, given the high theft and break-in potential of urban areas.
|--||Allentown incidents||Allentown rate*||Nationwide incidents||Nationwide rate*|
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Did you know that renters insurance covers weight of snow damage? Yes, renters insurance will cover your personal belongings if that metric ton of snow on your roof causes it to fall through, or if the cold temperatures cause your pipes to freeze and burst. This is a big deal for Allentown residents, who receive an average of almost 33 inches of snow per year.3
Allentown residents looking for more information on renters rights and resources should check out the following:
Allentown Tenant Association: Educates residents on their rights as tenants and assists with tenant-landlord disputes.
Lehigh Valley Legal Services: Tenant Rights: Legal councel for tenants facing eviction or unsuitable/unsafe rental conditions.
Security you can trust
Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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