Should I Have Pittsburgh, PA Renters Insurance?
Of course you should have Pennsylvania Renters Insurance! What if the Steelers lose the Super Bowl and fans go crazy in the streets of the city? How would you protect your personal property from fire, theft, vandalism, and malicious mischief? We jest, of course, about the Steelers fans.
They’re not the sort to do that kind of thing. But the point is, life is unpredictable and has a way of damaging the things that mean the most to you, or the things you’ve worked the hardest for. A Pittsburgh, PA renters insurance policy is the only way to make sure your property and lifestyle are protected!
Should I Just Get The Bare Minimum?
Nope. There is a company selling Pittsburgh, PA renters insurance who will offer $5,000 of personal property coverage, on an actual cash value basis. That’s pocket change compared to the money you’d spend to replace it at replacement cost! You need enough coverage that you feel confident a total loss would still allow you to replace everything you own. For some, that’s $15,0000. For some, that’s $30,000. For some people, an appropriate number is even more.
You need to make sure you have enough coverage that there’s no question you’d be covered in the event of a loss. Remember that apartment fires can take everything from you in the dead of night with no warning at all. Even if your apartment isn’t affected, you’ll still have smoke and water losses most likely, and still need a place to stay for a few days during the cleanup.
What Makes A Good Pittsburgh, PA Renters Insurance Policy?
First of all, be sure it’s printed in black and yellow, since we know you’re a Steelers fan. That aside, it should be issued by a writing company that is highly rated. It should be sold and explained to you by an insurance expert. It should have replacement cost coverage on your personal property. It should have at least $100,000 of liability. With any lower liability limit than that, you might as well not even have the policy if there’s a bodily injury loss, for example.
How Can I Buy Renters Insurance In Pittsburgh, PA?
Call Effective Coverage, or click above! It’s that easy, and it only takes about five minutes. Because we’ve spent years understanding the insurance needs of renters, we can get you into the right policy with the right coverage at the right price for you and continue to meet your needs years after year.
Renting In Pittsburgh, PA
The economy has started to recover in Pittsburgh, so there’s a bit more demand for housing, but it’s still a very inexpensive city to live in which benefits you. The median home price is only about $90,000, but that’s a huge step up from 2000 when it was $61,000. This increase in housing prices back to their natural level hasn’t resulted in an immediate increase in rent, but if you’re renting in Pittsburgh you probably want to sign or re-sign your lease now to lock in the low rent you’re paying currently.
For a large city, Pittsburgh has a fairly small population, just 306,211. That’s a slight decrease since 2000, but Pittsburgh is back on the upswing. The median gross rent is just $755, so it’s a great city to live in and gives you some great chances to save money and build your emergency fund. Just remember that even a good sized emergency fund doesn’t mean you don’t need Pittsburgh, PA renters insurance. There are some things, like liability claims, that an emergency fund just isn’t designed to handle.
Allegheny County plays host to this second largest city in Pennsylvania. Even with the small population, Pittsburgh has a metropolitan population of over two million. As you probably know, Pittsburgh has always been know as the “Steel City,” with more than 300 steel related businesses. It’s also known as the “City of Bridges,” as you would expect with three rivers converging there.
It wasn’t just steel that made Pittsburgh a powerhouse, though. Aluminum, glass, shipbuilding, oil, appliances, computers, and electronics all are important parts of Pittsburgh economy as well as its heritage. Apple, Google, and Intel still have people on the payroll here, which helps the local economy as well as generates a sense of pride in local residents.
It will warm your heart to know that your home town of Pittsburgh has been consistently ranked one of the safest cities, with low crime and a low incidence of property damage. This makes is a great place to live, and a great place to raise a family.
It’s important to protect the things you’ve worked for and your family, though. You need renters insurance in Pittsburgh, just like you would anywhere else. Just because it’s a safe city doesn’t mean you don’t need the protection against life in general. Call Effective Coverage, the Pennsylvania renters insurance experts, to get the protection you deserve at a price you can afford!