Welcome to our Allentown, PA renters insurance guide. In Allentown, at the Crossroads of The Lehigh Valley, you’ll find plenty to do and plenty of reasons to love living here. But you’ll also find plenty of reasons to need Pennsylvania Renters Insurance. The problem is, many people aren’t aware of all the reasons it’s important to be covered, which leads to fifty-six percent of Americans being uninsured. At Effective Coverage, we believe in education as one of our core values which is why we create these city and state renters insurance guides. As a general rule, most people get coverage once they realize the risks they face by not having renters insurance in Allentown.
Allentown, PA renters insurance isn’t expensive – on average, it costs about $187 a year, or roughly fifteen dollars a month, to get solid coverage from a reputable provider that will be there when you need it. Did you know you need to ask about replacement cost coverage on your personal property? Some providers will try to sell actual cash value policies and then expect you to pay more than the original quote if you want replacement cost. That’s the sort of thing you need to be aware of, and one of the reasons we work so hard to make renters insurance understandable. There’s quite a bit of jargon in the insurance field, which can be off-putting to people, but it doesn’t have to be complicated.
Work with the Allentown renters insurance experts at Effective Coverage to get the best coverage for your individual needs at a fair price, and protect your family today.
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
Allentown, PA Renters Insurance
Do I Need Renters Insurance In Allentown, PA?
There’s a simple one-question test to find out if you need renters insurance in Allentown.
Do you rent your home?
If the answer is yes, then you need renters insurance. Period. See, for example, our answer to “Do I Need Renters Insurance?” for more details.
How Does Renters Insurance Protect Me From Liability Risk?
Allentown, PA renters insurance will protect you if (when, more like it) someone manages to find a reason to sue you, for starters. Not only will it pay the judgement or claim if it gets to that point, but it will also pay for defending a liability claim.
Why does the insurer pay for a defense? The insurer has a “duty to defend” as part of your Pennsylvania Renters Insurance policy. That duty stems from the duty to indemnify, of course, but it’s not just you that they are indemnifying. Your renters insurance carrier has a duty to defend you because in so doing, they defend themselves and their stake holders. They’re 100% willing to pay a legitimate claim – that’s what they contracted to do, of course – but your insurer wants to make sure they pay only legitimate claims, in the interest of the company and of all the other policyholders of that company.
How does the duty to defend affect other policyholders? If your renters insurance in Allentown paid every frivolous claim from every Tom, Dick, and Harry, the rampant fraud and abuse would quickly run out of control and deplete claims reserves, which impacts the amount of money available to pay legitimate claims of other policyholders. Quite frankly, that’s exactly the sort of scenario that keeps actuaries awake at night.
By defending you, they ensure that only legitimate claims are paid. That ensures that the actuarial numbers remain accurate, that fraudulent claims aren’t paid, and that the insurance carrier remains solid for all of their policyholders.
How Does Allentown, PA Renters Insurance Protect My Personal Property?
If your personal property suffers a loss from any of the named perils described in the policy, such as fire, theft, vandalism, smoke, or any of the others, you file a claim and get paid the amount of money you need to go replace the item with a new one of like kind and quality. Renters insurance in Allentown generally includes replacement cost coverage, which means depreciation is not factored in.
Yes, it’s that simple.
Consider this scenario: Your neighbor is angry at the landlord and intentionally starts a fire because, somewhere in his delusional mind, he considers that an appropriate action to take in his anger. You lose everything in your apartment as a result. How long would it take you to replace that fifteen, twenty, or fifty thousand dollars of property in your apartment? Months? Years? Perhaps even longer?
Your neighbor’s liability won’t cover your damages because his actions are intentional and criminal, and in no way stem from negligence on the part of their insured. That leaves you with recourse to your own policy, and only your own policy. Fortunately, you have renters insurance in Allentown. You make a claim, and you’re made whole. Going after the person responsible for the fire is no longer your problem, because your rights of recovery against him transfer to your insurance company when they pay the claim. That makes recovery, if feasible, their problem rather than your problem.
Does Allentown, PA Renters Insurance Cover My Dog?
Whether or not Allentown, PA renters insurance covers your dog is dependent upon two important factors. The first is the breed and history of the dog. Different underwriters have different requirements for what types of dog may or may not be acceptable. If the dog has a history of biting, that’s going to be problematic for most underwriters.
The second factor is whether you were honest. Did you reveal the dog, and accurately communicate the breed and history of the dog to the insurance company? If you flat out lied about the presence, breed, or history of the dog, there is likely to be no coverage and you’re also likely to find your policy cancelled for material misrepresentation of the risk. Honesty is part of the contract with your insurer – they’re honest about their financial condition, which speaks to your risk, so you need to be honest about the risk they’re taking on.
On the other hand, if you have a breed acceptable to the underwriter, and there is no exclusion for animal liability, and you were honest about the presence of the dog in the home, Allentown renters insurance is likely to cover that loss. It all comes down to the fact that if you do the right thing when applying for insurance, and ask the right questions, you can count on your insurance company doing the right thing when it comes time to make a claim.
How Can I Get Allentown Renters Insurance?
One call or a few clicks can get you covered. Effective Coverage has insurance experts who are familiar with Allentown and Lehigh County, as well as being familiar with the general insurance needs of renters collectively. This familiarity enables them to ask the right questions to help you determine your needs, and to get you covered quickly and efficiently. It only takes a few minutes on the phone with your Allentown renters insurance expert to get covered.
If you prefer doing things yourself online, that’s an option, as well – just click and you can get online Allentown, PA renters insurance quotes and bind coverage in just minutes, as well. Whichever option you choose, it’s backed by the safety and stability of the nation’s top underwriters and the service of Effective Coverage, all at a fair price. Protect your family today!
Renting In Allentown, PA
Allentown is a city in northeastern Pennsylvania not far from the New Jersey border. Served by I-78, US 22, and US 222, its excellent transportation infrastructure and low cost of living make it a popular city both for those who work here and those who commute into New Jersey or New York for work. Its population of almost 120,000 is up eleven percent since 2000, and the median age of residents is substantially lower than the statewide average, at just 32 years old. Allentown is served by area codes 610 and 484, and by zip codes 18052, 18101, 18102, 18103, 18104, 18105, and 18109.
The median household income in Allentown is $36,000, a slight increase from 2000, but that’s more than sufficient to live comfortably in a city where homes average just $129,000 and rent averages just $854 a month. The low cost of living and easy access combined to play a large part in the growth of the city. As the biggest city in the Lehigh Valley, Allentown is also commuted to by many who live in outlying areas.
Manufacturing used to play a significant role in the economy of Allentown, but those jobs have long since left for less expensive pastures, like most of the rust belt. Service is becoming a more important part of the economy, but there are still a few large companies remaining doing industrial work. Air Products Corp and PP&L are two major employers, as is the Lehigh Valley Hospital, which employs over 7,800 people on its own. Mack Trucks used to have their corporate headquarters here, but relocated to Greensboro, NC in 2009. Manufacturing of Mack Trucks continues just outside of Allentown, in Lower Macungie Township. Roughly 600 jobs were lost in that transition.
Allentown is one of the only cities in America that is served by two cable TV companies. Service Electric has provided cable for a very long time in Allentown, but RCN built a network called an “overbuild.” Rare indeed is the ability to choose between two cable companies for the same household. The city of Allentown also boasts an amazing system of parks. Many of those parks are the direct work of early capitalist Harry Clay Trexler, for whom both a road and a nearby town are named.
Allentown is a safe, modern city with much to offer. Once you’re settled into your new home, make sure you protect it with your Allentown, PA renters insurance from Effective Coverage.