Welcome to our Erie, PA renters insurance guide. The first thing you should know, of course, is that there is nothing “eerie” about Erie, PA. But we commonly are asked whether ghosts, spectres, and other such phantasms of the eerie are covered on Pennsylvania Renters Insurance. While spiritual creatures from other realms are not a covered peril for personal property, we expect that if a poltergeist somehow forced you to take a specific action which resulted in bodily injury or property damage to another person, you could well have coverage under the liability section of your Erie, PA renters insurance policy. We are, however, unaware to date of any attempts to test this theory so it’s an unknown area.
Effective Coverage is the nation’s only full-service insurance provider dedicated to the insurance needs of renters. With a full staff of renters insurance experts available to help you understand the policy terms and limits and to quickly get you the right coverage for your needs and a friendly contact center based in Upstate New York just a few hours away from Erie, you’ll work with someone who understands your needs and who can get you the right policy to meet those needs.
Our New York-based contact center is one of the things we’re most proud of at Effective Coverage. In addition to ensuring accurate communication between Effective Coverage and insureds, we’re proud to be a net creator of jobs in the Capital District of NY. You’ll work with an Erie renters insurance expert who has the same sorts of concerns that you do, and who lives their life in a similar way. Our renters insurance experts are involved in the community and believe in sustainable business practices. Erie renters insurance is what we do, and we offer the coverage in a way that most benefits the communities we serve.
Take a few moments to review our guide to Erie renters insurance, and then click above or call to speak to one of our friendly insurance experts for renters. Erie, PA renters insurance doesn’t have to be confusing or difficult, Effective Coverage explains it all. Don’t forget to check out our YouTube Channel for even more renters insurance answers!
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.
Erie, PA Renters Insurance
How Much Does Erie Renters Insurance Cost?
Pennsylvania Renters Insurance, especially in northeastern PA, is incredibly inexpensive. The national average is $187 a year, or about fifteen dollars a month, and Erie renters insurance is often less expensive than even that! Effective Coverage has close relationships with major national underwriters who are able to offer broad coverage at a very reasonable price. Affordable Erie renters insurance isn’t something you have to search all over town for, it’s something you can find in just minutes by working with Effective Coverage.
Speaking of searching all over town, remember that since Effective Coverage is the insurance provider– when you get a quote with us, you’re getting a quote from us. This means you won’t have to suffer the slings and arrows of outrageous numbers of phone calls for the next six months, because we’re not selling your information to a ton of different agents. We take your privacy seriously, and we hate unwelcome phone calls, too! It’s perfectly safe to work with Effective Coverage and get an online Erie renters insurance quote, but you’re always welcome to reach out to us by phone, as well.
Does Erie, PA Renters Insurance Cover Damage From Snow?
That’s actually a two-part question – we’ll address the second part in a minute. The direct answer is that yes, Erie renters insurance covers damage to your personal property as a result of the weight of snow and ice. That peril is worded in a fairly tight fashion, but if the weight of snow, ice, or sleet causes damage to your personal property, you could have coverage under the policy.
The coverage is actually more broad than it sounds. If the weight of snow and ice damage the roof of the home you’re renting, and water gets in through that damaged section that causes a personal property loss, coverage could be available. In that instance, the weight of snow and ice would be the proximate cause of the loss, affording coverage. If there’s a basement window below your roof, and the ice was to slip off the roof, break the window, and cause damage to your personal property, coverage could be afforded for that loss, as well, likely under the weight of snow and ice peril rather than the falling objects peril.
Does Renters Insurance In Erie, PA Cover Someone Slipping On My Icy Sidewalk?
This is the second part of the Erie renters insurance during the winter series. Incidents like this are precisely why you have renters insurance. Ultimately, it doesn’t matter whether your lease says that you are responsible for clearing sidewalks, or the landlord is responsible for it. Either way, you both knew or should have known that it needed to be done and failure to take the necessary action created an immediate hazard with the potential to result in serious bodily injury to another. An insurance policy considers this to be negligence on both of your parts.
If someone were to fall on that walk and injure themselves, they would likely name both you and the landlord in the claim or suit because you both were negligent in not ensuring that the walkway was clear. In so doing, you both then have to mount a defense. Renters insurance in Erie, PA will take care of that defense for you, as well as pay whatever portion of the claim you’re found to be liable for. This could be tens of thousands of dollars or more in defense costs, as well as tens of thousands of dollars in injuries. By having renters insurance, you know that you’d be able to make that person whole. Without renters insurance, your failure to clear the sidewalk ruined your life.
How Do I Get Renters Insurance In Erie, PA?
The most efficient way to get Erie renters insurance is to call Effective Coverage or click above. Either way, you’re working with the renters insurance experts and you’ll get fast, affordable coverage that gives your family broad protection. Think about the last time you ordered dinner in. Did it cost more than fifteen dollars? More than likely it did. You can barely even order a pizza for fifteen bucks anymore, but you can protect your family and your assets for around fifteen dollars a month. That’s about fifty cents a day. Anyone can budget Erie renters insurance, and everyone should.
Renting In Erie, PA
Erie is a city in northwestern Pennsylvania. As the state’s fourth-largest city, more than 102,000 people live here. The city is the seat of government for Erie County and has its own Metropolitan Statistical Area containing about 280,000 people. The area was first occupied by Eriez Indians, and the lake, the city, and the county were named for them. French missionaries settled in 1615, but for reasons unknown, it took them until 1753 to build Fort Presque Isle. A mere ten years later, the fort was occupied by the British and burned to the ground with the help of the Seneca Indian Tribe.
The word Erie actually means raccoon, but you won’t find dark patches under the eyes of this bustling city! It was officially named a settlement in 1795, rose to the status of a city in 1851, and has been growing ever since. The city grows constantly not just in population or popularity, but in culture and earth-friendly use of greenery in and around the city. Presque Isle State Park is located on the waterfront of Erie, overlooking Lake Erie and Presque Isle. With its beautiful lifeguard-secured beaches and great views, you’re guaranteed to be astonished by looking out over the lake from any of quite a few breathtaking spots. There are many paths available if you want to take a stroll or a jog, or ride a bike through the park. Interior hiking paths are also well-maintained, and offer a great opportunity to enjoy nature up close. The city also offers Waldameer Park & Water World for those who want clean, inexpensive, and fun entertainment. The park is also quite child-friendly and welcomes families.
If you’re looking for a sophisticated night out, “All An Act Theatre” offers the most entertaining comedy shows in the area. This beautiful and inexpensive theater offers plays in combination with dinner at one of many local restaurants, and will certainly impress your date. Erie Maritime Museum is a well-respected museum of nautical history, which is central to the history of the city. In addition to visiting the museum, they offer fundraisers such as a beer tasting event with beers from local breweries, so there’s something for everyone. New businesses open frequently in downtown Erie, allowing the city to constantly grow and add not only to its economy, but also to its culture and diversity.
The economy is largely driven by the top three employers, General Electric, Erie Indemnity, and UPMC Hamot, the local hospital. Unemployment is low in Erie, and it’s a very affordable place to live. The estimated median home value is about $85,000 and the median gross rent is only around $600 a month. That’s incredibly affordable and leads many people to continue renting because it’s so inexpensive. Renting also brings with it the fact that dealing with snow on the roof is someone else’s problem, and that has value in and of itself.
Erie has much to offer. In the hot summers, the whole family can have fun at Splash Lagoon Indoor Water Park, or take a stroll through the well maintained Asbury Woods Nature Center. There are always events in town, and several festivals throughout the year. The city of Erie is an amazing, safe, growing city that’s welcoming to all. All the right amenities are here, apartments and jobs are plentiful, and it’s a great place to raise a family. Make sure you protect that family and your lifestyle with Erie, PA renters insurance from Effective Coverage.