You have a ton of choices for Pennsylvania Renters Insurance. You’re constantly bombarded by television commercials with fishermen who “caught you a dollar”, or that guy who falls through the roof and offers York, PA renters insurance, or even audio advertisements featuring a certain pig, played repeatedly with depressing frequency in the drugstore. You can even buy all kinds of insurance down at Runkle’s Tag & Title when you go to renew your registration. Whether you live in York, Red Lion, Delta, Hanover, Shrewsbury, Stewartstown, or anywhere else, you’re frequently, pestered to buy some kind of insurance from a name you’re familiar with. So why buy York renters insurance from Effective Coverage?
Effective Coverage is the only national full-service insurance provider focused solely on the needs of renters. We’ve spent years studying the needs of renters, and iteratively improving the process of getting renters insurance. What used to require all day calling around for quotes now can be accomplished in minutes. Working with Effective Coverage, you know you’re going to get the best policy for your needs quickly, efficiently, and at the right price.
Currently, only forty-four percent of American renters have renters insurance. As part of our core values, we believe in education and creating a positive customer experience. The customer experience shines through in everything we do. We believe in education because more people would have York renters insurance if they understood just how little it costs and how much protection it brings.
Take a few moments to review our York, PA renters insurance guide, and then call or click to get the coverage your family deserves at a price you can afford.
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.
York, PA Renters Insurance
I Live Responsibly, Why Do I Need York, PA Renters Insurance?
It’s good to hear that you take care of your own life, but what about the way other people impact your life? One person got angry and set fire to a vacant building at 701 W. Philadelphia St, requiring it to be demolished. Homes in that area are rowhomes, as is much of York City and West York. That fire was knocked down mere minutes before it spread. Spreading to the roofs of neighboring homes could easily have set the entire block afire. Just because you live responsibly doesn’t mean you don’t still have some risk from the actions of others.
Besides, liability shows up in the strangest places. Do your children have access to a swing set? Do they play on it with their friends? What happens when one of their friends falls off the swing set and gets injured? Kids hurt themselves, it’s just part of life, but there’s a widespread belief that someone should pay for that injury, and in that case you could be sued. Could you afford a defense attorney? Could you afford to pay those medical bills? Could you afford the time off work if it went to trial? Even if you could, do you want to spend that much money on something entirely avoidable?
Renters insurance in York, PA covers your liability and provides a defenses so that you don’t have to worry about questions like those above.
It’s also important to remember that much of York County is quite rural. Volunteer fire department coverage is excellent, but rural areas and weather can combine to delay response times. Fires can get out of control in minutes, and take over an entire home just as quickly. Personal property coverage protects you if a small fire gets out of control because of your location, by replacing the things you lost in the fire.
Do you think you’re not at risk because you live responsibly? Learn about how a harmless, ubiquitous device nearly killed a York family in a tablet fire!
How Does York Renters Insurance Protect My Personal Property?
Personal property coverage on your renters insurance in York will protect the things you own against fire, theft, vandalism, and other perils that are named in the policy. This coverage generally is at replacement cost. That means you get the amount of money you need to buy a new item of like kind and quality, rather than the actual cash value. You don’t want actual cash value coverage, because then you’re shopping for replacement property at the Goodwill over on Roosevelt Avenue, instead of at the Galleria.
Does Renters Insurance In York, PA Cover Snow Damage?
You’re in luck! If it’s a particularly bad winter, and the weight of snow and ice causes a leak or damage to the roof of your apartment, personal property damaged as a result could be covered. In addition, while that damage is being repaired, you could have access to loss of use coverage, as well. That would make sure you had a place to stay in a hotel while the repairs are being made. Friends and family can often be generous with a place to stay, but you don’t want to have to rely on that, especially if the repairs take some time.
Does York Renters Insurance Cover Me If There’s An Accident At Peach Bottom?
Generally, no – renters insurance isn’t really designed to protect against radiation risks to your own health. On the other hand, if there’s a fire as a result of an incident at Peach Bottom or TMI, there’s coverage for the fire – it doesn’t really matter what the cause of the fire is, fire is a covered peril. There are, of course, exceptions for intentional acts.
How Much Does Renters Insurance Cost In York, PA?
On average, Pennsylvania Renters Insurance costs about fifteen dollars a month, or $180.00 a year. Let’s face it, you can hardly get lunch for one at Isaac’s anymore for fifteen bucks. Not that the sandwiches aren’t worth it – they absolutely are – but if you’d spend that amount of money on lunch for one, you can certainly afford York renters insurance. In reality, just about everyone can – some people just collect their change over the course of a month, and there’s the fifteen dollars they need to pay the renters insurance bill!
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.
Renting In York, PA
York, PA is known as a city in its own right, and the Articles of Confederation were drafted here. York County attracts an even larger number of people because of its proximity to Baltimore, where many residents of York and York County work. It’s just a short drive down the Expressway (AKA the JFX, as you get closer to Baltimore), though many residents work in Harrisburg, as well. York County is rich in both history and diversity, the days of Charlie Robertson and his ilk are long gone. This South-Central PA city of 40,000 is a lovely place to call home, and a great place to make a living.
York is bisected east-west by US Highway 30, running east to Lancaster and West to Gettysburg and beyond, and north-south by I-83, leading to Harrisburg, Baltimore, and easy access to I-95 via the Baltimore Beltway. Major surface streets include King, Philadelphia, and Market east-west, and Queen (PA 74) north-south. With the geographic area that York and its environs have grown to cover, the city roughly begins in the south at the Loganville exit of I-83, and runs north to the North George Street exit. In the east, a McDonald’s marks the start of the city as you come in Route 30 from Hellam, and in the west the area is delineated by the municipal airport. As you head out of town, you’ll notice the Martin’s potato chip factory on the right. Both York County culture and jobs are created by the company, but you won’t find their products very far outside of Central PA. Residents who come back for a visit often stock up on Martin’s chips and Rutter’s iced tea.
If you need an airport for commercial flights, York is not the one you’d want. MDT in Harrisburg, PHL in Philadelphia, and BWI in Baltimore along with DC area airports can take you anywhere in the world you might want to go. Amtrak service is available in all three cities, as well.
The mean price of a home in York City is just $78,700, but this is misleading. The outlying areas that are consider part of “York” in general tend to have higher values, and as you go farther south, you’ll find development after development of houses in the $300,000 – $500,000 range. These homes are largely occupied by commuters escaping nearby cities, but local residents also can be found here.
Freysville Road in Red Lion, PA (5-10 Minutes Outside York City) – Look To The Right Over The Hill And You Can See Miles Of Suburban Developments Just A Few Hundred Hards From This Home That’s Stood For Decades
Often, you’ll see such a development side by side with modest homes occupied by local residents who have been there since long before the housing boom. One example of this would be on Freysville Road in Red Lion, as seen in the image – look to the right, you’ll see the sprawl of new development just a few hundred yards from this long-standing home that’s been lived in by the same family for decades.
The median gross rent in York City is just $684, and many parts of York County are equally inexpensive. The cost of living in York County is fairly low, which is one of the factors leading to a strong attachment by natives. Chances are very good that someone who was born in York County will live there as an adult. Many leave for some time, but most return in some form or another after a time.
Residents of York County are the strong types you’d expect, and they like to solve problems creatively. In 2002, the city need a million dollars to close the budget gap. John Brenner, mayor at time, asked every adult resident of the city to donate about three dollars. While the donations fell somewhat short, they did succeed in closing a substantial portion of the budget gap, allowing cuts to be minimized.
Parts of York City have been substantially revitalized. Just a few blocks up Queen Street from Martin Memorial Library, strip malls with day labor offices and Sav-A-Lot grocery stores have given way to the new Santander Stadium, and Arch Street and its environs have become safer, more prosperous areas as a result of the city finally getting a baseball team, the York Revolution. The stadium is named after its sponsor, Santander.
The economy of York, PA is based around a combination of service and local manufacturers who have been there for quite some time. Caterpillar was once a major employer, but chose to close their plant rather than negotiate in good faith with their union employees. The vast majority of York’s residents have never forgiven the company for this action, which cost a significant number of good, solid jobs. York Barbell still manufactures here, and sponsors the USA weightlifting hall of fame. Don’t forget that Harley-Davidson manufactures motorcycles here, with about half their production team based in York.
There are several options for education in York County. School districts include York City, Dallastown, Eastern York, Central York, Suburban, Southern York County, Red Lion, Northeastern York, Dover, Spring Grove, and South Eastern. Private Christian schools are big business in York County, the largest being York Catholic High School which is fed from a variety of parochial K-6 schools around the county. York College of Pennsylvania has been in existence since the late 1700s, and Penn State has a campus here. YTI (Formerly York Technical Institute), a culinary school, a Harrisburg Area Community College campus, and The Art Institute (formerly Bradley Academy) all offer post-secondary education, and there are other nearby options as well.
York is a great place to live, with good jobs, culture, and history aplenty as well as a low cost of living. When you find your perfect apartment, make sure to protect it with York, PA renters insurance from Effective Coverage!