Do I Need Philadelphia, PA Renters Insurance?
Yes! Everyone who lives in PA should have Pennsylvania Renters Insurance. Why? Because it just makes sense. PA overall is a very safe state. Philly is a fairly safe city. But you’ve got quite a few exposures. There’s the casual criminal who will steal your stuff if they have the opportunity. There’s the weight of snow and ice, and the water damage that can come from it. There are power outages that can spoil the food in your fridge if they go on long enough. The list goes on and on! You need Philadelphia, PA renters insurance to protect you and your family from those risks.
Philadelphia, PA Renters Insurance Is Often Mandatory
Many landlords in the Cheesesteak City require Philadelphia, PA renters insurance. There’s two reasons for that. One, they want to know that if you negligently cause a fire that damages their building, that you’ll be able to make them whole. Two, they want to make sure you understand that the landlord is not responsible for your personal property.
Because you have renters insurance in Philadelphia, you’re assured of having your property replaced if there’s a loss from a covered peril. With that in mind, you won’t expect your landlord to do something he can’t and won’t do, namely insure or pay for your property. He doesn’t own it, so he can’t insure it, plain and simple.
Not Everyone In Philadelphia Is As Responsible As You!
You might never have an apartment fire, and you might never let someone into your locked building who shouldn’t be there. You’re conscientious and aware of your surroundings. Are you 100% certain that all your neighbors fall into that same category? Probably not. That means you need Philadelphia, PA renters insurance. You need to hedge against the risk that someone else will act negligently in a way that affects you, such as letting an unsavory person into the building.
Think of how many people you interact with in a day. Now make a list of all the things they could potentially do to cause you bodily injury or property damage. Many of the same things apply to you, no matter how responsible you are. Accidents do happen, and negligence certainly happens. That’s why you need to protect yourself with Philadelphia, PA renters insurance. You’ve worked hard for what you have, you deserve an appropriate level of protection.
Effective Coverage can help you determine what that appropriate level of protection is, get you the right policy, and make sure that you understand what you’re buying. Those aren’t extra add-ons, that’s just how we work at Effective Coverage. One phone call or one click can get you covered in just five minutes!
Renting In Philadelphia, PA
Philadelphia is the largest city in the Commonwealth of Pennsylvania, and one of the first capitals of the United States. The Liberty Bell still hangs here, in all its cracked glory, and there’s a great deal more history to be found here just by walking around the city. You don’t even have to spend any money to enjoy most of it, unless you want dinner from Geno’s afterwards.
As the fifth most populous city in the US and part of the sixth largest metropolitan statistical area in the country, Philly does a great job of controlling crime and risk to its residents. But safe though it may be, Philadelphia is not Utopia, so you still need to protect yourself with Philadelphia, PA renters insurance.
Philadelphia is located at the meeting of the Delaware and Schuylkill Rivers, which were a large part of the city’s original economic growth in the early years of the colonies. The Delaware Valley, which extends for miles around the area, has its economy centered in Philadelphia which is the only consolidated city-county in PA. Over 1.5 million people call the city home.
Philadelphia is known for arts, culture, and history, but perhaps known more strongly for its food. The Philly Cheesesteak is unmistakable, and where else are you going to find people putting vinegar or mayonnaise on fries, or mustard on the iconic soft pretzel, and thinking nothing of it?
There are more outdoor sculptures and murals here than in any other city in America, and Fairmount Park is the largest urban park in the world. The city has progressively improved areas that used to be questionable, and now the population is growing again as is the quality of life.
There is plenty of economic opportunity here. The City of Philadelphia alone has a gross domestic product of $388 billion annually. That’s somewhere north of the GDP of Austria and just under that of Thailand, according to the United Nations, and this production is just from one city.
Don’t forget that Comcast is headquartered here. Some days you might be able to meet Mr. Roberts going out for a sandwich, some days you might be able to meet protesters. Philadelphia is always an interesting city! It’s also home to the Philadelphia Stock Exchange, whose two hundred plus years of history shows that not everything exciting happens in New York City. Colonial Penn insurance, CIGNA insurance, Sunoco, and many other companies claim this as their home as well.
Philadelphia is a booming, vibrant, safe place to live with great culture and great food. That doesn’t mean that you don’t need to protect yourself with Philadelphia, PA renters insurance, however. For just a few dollars a month, you can be sure you’re protected with the insurance experts for renters!