Cost & Coverage
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Find the most affordable renters insurance rates in Pittsburgh so you and your belongings are covered.
Life is good in the Steel City, but if your belongings get damaged, destroyed or stolen, your landlord’s insurance won’t help you — only renters insurance will. Renters insurance helps you cover the cost of replacing your stuff, and finding the best renters insurance company in Pittsburgh can help you do it for about the cost of a french-fry-laden burger (or two).
|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 male apartment renter. We deferred to the most comparable coverage amounts when identical policies were unavailable.
|Medical payments to others||$1,000||$1,000||$1,000||$2,000||$1,000|
Renters insurance policies offer you three kinds of coverage, each with its own coverage limits. The basic renters insurance policy coverage types are:
Read more about what renters insurance covers.
There is no ordinance in the city of Pittsburgh or the state of Pennsylvania that requires a renter to purchase renters insurance. In fact, there is no city or state in the U.S. that requires it. So no, you are not legally required to purchase renters insurance. However, your landlord can require you purchase renters insurance as a condition of your lease, and that requirement is perfectly legal.
But even if your landlord doesn’t require purchasing renters insurance, it makes sense to buy it anyway. It’s easy to buy and affordable insurance that protects the things you own! Nothing could make more sense.
Renters insurance provides peace of mind and protection from some of life’s worst-case scenarios — including break-ins and fires.
In 2016, Pittsburgh experienced nearly 2,000 burglaries and over 7,000 thefts, according to data provided by the Pittsburgh Bureau of Police and compiled by the FBI’s Crime Data Explorer.2 The property crime rates in Pittsburgh exceed national rates, which make it especially prudent for Pittsburgh residents to protect themselves.
Pittsburgh epic weather is another good reason to buy renters insurance. The average low temperature in Pittsburgh in January is just 20 degrees, and the city averages over nine inches of snow in January.3 Heavy snowfall, frigid weather, and high winds can all cause damage to your stuff. (Think frozen pipes exploding.) And although your landlord’s insurance will cover damage to the building itself, you’ll be responsible for any damage to your possessions, and for the cost of staying in a hotel if a burst pipe makes your apartment uninhabitable until it gets repaired.
Pennsylvania is also one of the areas in the U.S. that is prone to sinkholes, so if you’re worried about that, you can add an extra rider, or addendum, to your renters insurance policy to cover you in case of big holes in the ground.
Pittsburg tenants looking for more resources on renting, renters insurance, and their rights should visit the following:
The Average Cost of Renters Insurance Find out what factors determine your renters insurance price — and how that price is calculated.
Pittsburgh Fair Housing Partnership: Read the Pennsylvania Landlord Tenant Act.
Housing Equality Center of Pennsylvania: Learn all about your rights as a tenant in Pittsburgh.
Allegheny County Bar Association: Questions and answers about renters rights.
Neighborhood Legal Services Association: More information about housing rights and regulations in Alleghaney County.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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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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