Renters Insurance in Ohio & Pennsylvania
Affordable protection for your belongings and liability — usually under $20/month.
Your landlord's insurance covers the building, not your stuff and not your liability. Renters insurance fills that gap for less than the cost of a streaming subscription. We write renters policies through carriers including Progressive, Travelers, Nationwide, and Lemonade — most clients pay $12–$22/month.
What Renters Insurance Covers
Core coverage components we'll review and tailor on your quote.
Personal Property
Furniture, electronics, clothing, kitchenware, and more — replaced new (RCV) after a covered loss like fire, theft, vandalism, or water damage.
Personal Liability
Pays if a guest is injured in your apartment or you accidentally damage someone else's property (including the rental unit itself in some cases).
Loss of Use / Additional Living Expenses
Pays for hotels, meals, and pet boarding if your rental becomes uninhabitable after a covered loss.
Medical Payments to Others
Pays small medical bills for visitors injured at your place — no fault required.
Optional Add-Ons Worth Considering
- Scheduled jewelry, firearms, and high-value items
- Identity theft coverage
- Earthquake (in select areas)
- Replacement cost upgrade (vs. ACV default on older policies)
Common Exclusions (What's Usually NOT Covered)
Knowing what your policy doesn't cover is just as important.
- Flood damage from rising water
- Damage to the building structure (your landlord's policy covers this)
- Roommate's belongings (unless they're listed)
- Business activities without endorsement
Who Really Needs This Coverage
- Anyone renting an apartment, house, or condo
- Roommates — each person needs their own policy
- College students living off-campus
- Tenants required to carry coverage by their lease
What Drives Your Premium
Contents value
Higher coverage = slightly higher premium, but most renters need $20K–$30K.
Liability limit
Going from $100K to $300K typically adds $20–$40/year.
Deductible
Most renters policies use $500 or $1,000 deductibles.
Building safety
Sprinklers, alarms, and dead-bolts unlock discounts.
Frequently Asked Questions
Quick answers about renters insurance in Ohio and Pennsylvania.
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Plain-English guides relevant to renters insurance.
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