We appreciate you taking a few minutes to review our Lancaster, PA renters insurance guide. There are many areas surrounding Lancaster that are technically part of York County or Dauphin County, so you might want to look at our York, PA Renters Insurance guide, or our Harrisburg, PA Renters Insurance guide, as well. Many people think that south-central PA is a quiet, safe place to live where they don’t really need Pennsylvania Renters Insurance because nothing bad ever happens here. Those people are half right, and half wrong. Yes, Lancaster County is a great place with live, with quiet towns like Ephrata, Manheim, Elizabethtown, Quarryville, and Mount Joy, and very few bad things happen here. But even living in a safe place like Lancaster, PA, you still need to be aware of the risks you can’t control, such as an accidental fire, and make sure you protect your family against them.
There are a ton of companies you can get Lancaster renters insurance from. We understand that, and we’re happy you’ve chosen our resources. Effective Coverage is the only national full-service insurance provider focused on the insurance needs of renters, and it shows in our policies. We carefully construct each of our policies to reflect the needs of the renter and the risks they face, while making sure that you have the coverage you need and aren’t paying for things you don’t need. Because renters insurance is what we do, you won’t find yourself being asked fifteen times if you need an upsell like insurance for an RV you don’t have. What you will find is a fast, easy, and surprisingly affordable process that can be completed online or over the phone, with proof sent to your property manager if they require it.
At the moment, less than half of American renters have coverage – as a matter of fact, the number is only forty-four percent. We belive that’s due in part to people overestimating the cost of Pennsylvania Renters Insurance, as well as not understanding how broad the coverage is and how well it protects them. That’s why our core values include education. We’re on a mission to get every renter insured sooner rather than later, and we’d like you to join in and help us to protect America. More people would have Lancaster, PA renters insurance if they knew how cheap and easy it was!
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.
What Does Lancaster, PA Renters Insurance Cover?
You’d be surprised how broad the coverage is on Pennsylvania Renters Insurance! Not only is your personal property protected against things like fire, theft, and vandalism, but also against less common perils like wind and many kinds of water damage. There’s usually a small deductible, and then the policy picks up the rest of the cost of the loss up to the policy limit. Fifteen thousand dollars of personal property coverage for a few dollars a month sounds like a great deal, doesn’t it? We’d agree. In fact, you’d have to have a policy for roughly the next century without a single claim before you paid in as much as the policy would pay out! Those are pretty good odds in your favor!
There’s also liability coverage, generally starting at $100,000. That will protect you whether you’re responsible for an accidental fire, or even just happen to bump into someone on the street and cause them injury. One of the best parts about it is that if someone sues you for bodily injury or property damage due to your negligence, the policy will even pay for a defense against the claim or suit. That alone makes it worthwhile – do you know what Lancaster personal injury defense lawyers make? In an hour, they’d likely make more than the cost of an entire year’s worth of coverage. Another bonus is that in that situation, you don’t have to find representation – the insurance company generally takes care of that, as well, so you can focus on living your life rather than all the nuances of defending against a claim like that.
On top of that, your renters insurance in Lancaster, PA also includes a coverage called loss of use. This means that if there’s a covered loss such as a fire, the policy actually pays for you to stay elsewhere while you’re unable to use the apartment because of the loss! Oftentimes, insurance companies have agreements with hotel chains, so you don’t even have to front the money and get reimbursed in many cases. This makes a tragic, difficult time a little bit easier and helps you get back on your feet faster. It also removes one of the major worries from the process of recovering from a loss.
Don’t forget about medical payments to others coverage, either! This coverage pays for minor injuries sustained by someone on your premises, without regard to who happens to be at fault. It’s a small coverage, usually anywhere from $1,000 to $5,000, and it’s designed to make minor injury claims go away as efficiently as possible. If your child has a friend over, and they twist their ankle on your steps, the coverage would take care of the injury and potentially prevent a liability claim.
What’s The Average Cost Of Lancaster Renters Insurance?
On average, Lancaster renters insurance costs about fifteen dollars a month. Depending on the coverage levels you choose, it might increase to a whopping twenty dollars a month on average for significantly more coverage. Lancaster renters insurance is not expensive, and it’s certainly less costly than an uninsured loss. Many people prefer to pay for their coverage on an annual basis, and the cost of PA Renters Insurance annually averages right around $180 for the year. You can buy a year’s worth of renters insurance for less than the cost of one week of childcare, according to Child Care Aware. One dinner out for two couples could more than eclipse the cost of a year’s worth of Lancaster renters insurance. Any way you look at it, and regardless of what you compare it against, the policy is a fantastic value.
Renting In Lancaster, PA
Lancaster, PA is a small, sleepy city just west of York, PA and south-east of Harrisburg, PA. Bordered by major cities, and also within easy commuting distance of Baltimore, MD, Lancaster is a popular place to live, even for people who work elsewhere. Allentown, PA and Reading, PA are an easy drive north on US-222, now a four lane highway, and if you head south on the same road you’re just a quick trip from Harford County, MD and US Route 1, US Route 40, and I-95. From there, you can get to absolutely anywhere you want to be. Major airports include Harrisburg International and Baltimore-Washington International. Lancaster doesn’t have commercial service of its own, but a quick trip up I-283/PA-283 gets you to MDT and BWI is an easy trip south. US Highway 30 takes you west to York, Gettysburg, and beyond, or east to Philadelphia.
The population of Lancaster is just 60,000 people, and that’s after a five percent increase from the year 2000. The small town mentality of Lancaster, PA and its surroundings contributes significantly to its appeal to residents. You can find things you need on a day-to-day basis – the Park City Center Mall is just off Route 30, and it’s the largest enclosed shopping space in south-central PA – but without the worries that come with living in a larger city. If there’s something you need in a larger city, they’re easy to get to, but far enough away to shield you from the issues that come with city life. Even traffic is easier to deal with in Lancaster than in most other cities. There’s even a local baseball team, the Lancaster Barnstormers, who usually play their home opener against the York Revolution, who hails from just down the road.
The median income in the city of Lancaster is about $33,000, which is lower than the PA statewide median, but certainly enough to live comfortably in the area. The median home value is right around $100,000, and the median rent is just $733.00 monthly. You can reasonably live on that median income, because the rule is roughly 30% should be spent on rent and utilities. Annual median rent is just $8,796, which is only twenty-six percent of income. Lancaster is much less expensive to live in than other parts of PA, which is why there are so many commuters and so much housing development here. That’s a positive thing when you’re looking for an apartment, because it means there are more options available for you.
The original Pennsylvania Dutch (“Dutch” as in Deutsch, not as in Holland) word for Lancaster was Lengeschder. It’s one of the oldest cities in PA, and the eight largest in population. Lancaster has the dubious honor of the most outdoor cameras to monitor its citizens, on a per capita basis. This has long been controversial. Surrounding areas such as Millersville, East Petersburg, and Lititz do not share such issues.
Lancaster is served by several phone companies, though generally speaking there’s only one local exchange carrier in a given part of the county. This can be problematic, because smaller carriers are reluctant to allow porting out of numbers to Comcast, who offers phone over cable in the area. Much of Lancaster County’s electricity is provided by the nearby Peach Bottom nuclear power station. Lancaster is, interestingly enough, situated just short of halfway between two nuclear power plants, the other being the infamous Three Mile Island. This makes Lancaster a leader in clean energy.
Lancaster is a wonderful place to live, with plenty to do and great jobs. Make sure you get your Pennsylvania Renters Insurance before you settle into your new home. Moving is also a great time to take a home inventory and make sure you know what you’d have to claim if there were to be a loss. Your Lancaster renters insurance will be there when you need it most, and so will Effective Coverage.