Welcome to Chocolate Town, USA, and the Effective Coverage Hershey, PA Renters Insurance Guide! We know you want to get straight to the chocolate, but there are a few things we should tell you about living in Hershey, first. The first, and most obvious, is to avoid 322 as if your life depended on it. But if you’ve spent more than five minutes in Hershey, you already know that and sometimes it’s just not possible anyway. During the summer, getting the few miles over to Harrisburg is often faster if you just bite the bullet and go all the way up PA 39 AKA Hershey Park Drive to I-81, and then the 20 miles or so back down to 581. If you’re new to Hershey, you’ll learn quickly.
Living in Hershey can be a challenge, with the traffic and the tourists, but it’s worth it. There are some great apartments here, and south-central PA is actually surprisingly affordable in terms of cost of living. Pennsylvania Renters Insurance is also surprisingly affordable, and that is, after all, the topic of our Hershey Renters Insurance Guide.
So what do you really need to know about renters insurance in Hershey? First and foremost, please consider yourself to be on notice that a river of chocolate is not a covered peril! That would probably be considered “water-borne material”traveling along the ground, and therefore would actually be a flood of chocolate. Whether or not flood insurance would consider that to be a water-borne material flowing along the ground is an entirely separate question, and one that we’re not aware of any precedent on.
Take a few moments to review our Hershey, PA renters insurance guide. Look around, make yourself at home, and learn how important and how inexpensive renters insurance really is. Then, make the call to Effective Coverage to get the best coverage at the best price. It takes just minutes, and your family will thank you.
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Hershey, PA Renters Insurance
Why Is Effective Coverage The Hershey, PA Renters Insurance Experts?
Effective Coverage has been offering Hershey, PA renters insurance for years. Are there other people in Hershey who can offer renters insurance? Probably, but Effective Coverage is the only national full-service insurance provider focused exclusively on the needs of renters. The vast majority of agents and insurance providers in south-central PA are focused on large policies, like homeowners and auto. Many of those agents even view a standalone renters insurance policy as a nuisance. Effective Coverage views renters insurance as a mission, in line with our core values. Only forty-four percent of Americans have renters insurance, and Effective Coverage believes that number should be closer to 100%.
Because we have a focus on the insurance needs of renters, we know the coverage, the forms, and the underwriting guidelines intimately. That enables us to get the perfect policy for you at the right price, and to get you covered quickly. Most insurance providers put their employees on heavily commission-based pay plans, which incentivizes them to get you off the phone and to move on to the next policy. Effective Coverage doesn’t do that, in order to incentivize our insurance experts to make sure all your questions and concerns are properly addressed, and that the policy provides the coverage you expect it to.
Why Do I Need Renters Insurance In Hershey?
Hershey, PA renters insurance will protect you in a number of ways, but the first reason you need the coverage is that your landlord likely requires it. This ties back to the first way that Hershey renters insurance protects you, namely from liability. If you were to accidentally start a fire that damaged the building, you’d be responsible for those significant costs. Even cleanup from a small fire can be quite costly, not to mention the smoke and water damage throughout the rest of the building for which you’re responsible. Liability coverage also protects you if you cause bodily injury to another person, whether through the aforementioned accidental fire or just by bumping into someone on the street. Either situation could be covered, because liability on a Pennsylvania Renters Insurance policy follows you as an individual. It also protects your family and their assets, as well – the named insured includes you, your resident spouse, and your resident relatives, broadly speaking.
In addition, your personal property is protected from risks such as fire, theft, broken pipes, and explosion. These may sound like small risks, but there’s a theft of property every few seconds in this country. That means you’re more vulnerable than you think you are. Hershey, PA renters insurance also covers items that are stolen from your vehicle, which is an even more common risk. All of this coverage is generally at replacement cost, meaning you get the amount of money you need to go buy a new item of like kind and quality. Large personal property losses often take years for a family to recover fully from, so you want to make sure you have the protection in place and can get your life back on track quickly.
Renters insurance in Hershey, PA also includes coverage for additional living expenses after a covered loss. This could mean a stay in a hotel while they’re cleaning the smoke smell out of your apartment, for example. There’s also a small coverage called medical payments to others. Medical payments takes care of small injuries that others suffer on your premises, meaning that it can be dealt with quickly and without giving rise to a potentially complicated liability claim.
All of this coverage comes at a price around fifteen dollars a month, so it’s very inexpensive to purchase Hershey renters insurance. It’s an amazing value for the coverage you get, and it’s something everyone should have and that most property managers require. Effective Coverage can have a policy set up for you in just minutes, and can even instantly transmit proof of that policy to your leasing office if they require it.
Will Hershey Renters Insurance Cover Removing The Pervasive Chocolate Smell From My Clothes?
Why would you want to? The smell of chocolate which permeates everything in Hershey – including your body, eventually – is one of the unique and lovable aspects of the city! But if you still want to remove it, your Hershey, PA renters insurance won’t pay for a dry cleaner in this situation – industrial smoke and soot are not covered perils, although smoke from a fire would be. But the vast majority of residents embrace their involuntary chocolatey perfume.
Renting In Hershey, PA
Hershey, PA is a city of just $14,000 in south-central PA. Located just outside of Harrisburg and not much farther north of York and Lancaster, it’s ideally placed with easy access to I-283, I-81, I-83, US 322, PA 581, and PA 39. Covering zip codes 17033 and 17036, it’s a small city with a younger population than the average, at 35 for Hershey and 40 as the statewide median age. The estimated household income is $53,000, and with a home selling for just $243,000 and rent averaging a mere $868 monthly, it’s easy to see why the cost of living in Hershey is so low.
Now that we’ve gotten the important, yet rather dry and boring facts out of the way, let’s address the real reason you’re reading about renting in Hershey: You want to live within walking distance of Hershey Park and be able to take the tour and get the free chocolate every day on your way to work.
At some time or other, all of us have wondered what it might be like to live in the shadow of the greatest chocolate maker on Earth. Often times, reality doesn’t live up to such fantasies, but in this case, it absolutely does. While regrettably there are essentially no apartments available within walking distance to the gates of Hershey Park, the rest is all true. Hershey is a great place to live, and the chocolate smell is a drastic improvement over some other towns. Sure, it’s a little cheaper to live in Spring Grove, PA, but not so much cheaper that it’s worth smelling the paper plant when you can live in a cloud of chocolate instead!
Derry Township and Dauphin County aren’t technically Hershey, but close enough to be able to enjoy the summertime fun. Come winter, there’s a display of lights throughout Hershey Park that people come from miles around to see. Easy access to Harrisburg International Airport (MDT) and Amtrak’s Keystone Line make getting where you want to go a cinch. The Derry Township public schools are well-respected, and if you prefer a different sort of education for your child there are several private and a few religious schools nearby. Don’t forget the events and concerts at the Hershey Park Stadium and the four world-class golf courses.
Hershey is a great place to live, and a great place to raise a family, consistently ranked quite highly in that regard on a national level. Once you find the perfect apartment here, make sure to protect it with Hershey, PA Renters insurance from Effective Coverage.