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Renters Insurance

Renters Insurance

Affordable Protection for Your Belongings

Renting a home or apartment means you don’t have to worry about major repairs, but your personal belongings aren’t covered by your landlord’s insurance. That’s where renters insurance comes in—protecting your furniture, electronics, clothing, and valuables from unexpected events like fire, theft, and water damage.

At Good Apple Insurance, we help renters in York, PA, and beyond find affordable, customized renters insurance that provides peace of mind and financial security.

Why Do You Need Renters Insurance?

Many renters assume their landlord’s insurance will cover their personal property—but that’s NOT the case. If your belongings are damaged, stolen, or destroyed, you’d have to pay out of pocket to replace them.

Renters insurance protects against:

✅ Fire, smoke, and electrical damage
✅ Theft and vandalism
✅ Water damage (excluding floods)
✅ Liability claims if someone is injured in your home
✅ Temporary housing costs if your rental becomes unlivable

Some landlords require renters insurance, but even if it’s optional, it’s an affordable way to safeguard your belongings and financial future.

Who Needs Renters Insurance?

If you rent a home, apartment, condo, or townhouse, you should have renters insurance—especially if you:

✔️ Own furniture, electronics, or valuable items
✔️ Want financial protection against unexpected losses
✔️ Have guests over frequently (liability coverage is key)
✔️ Live in an area prone to theft, fire, or weather damage

Even if your landlord doesn’t require it, renters insurance is an affordable way to protect everything you own.

What Does Renters Insurance Cover?

Personal Property Coverage (Protects Your Belongings)

Covers the cost to replace or repair furniture, electronics, clothing, jewelry, and other valuables if they are stolen or damaged.
Example: A kitchen fire destroys your furniture and appliances. Your policy helps replace them.

Liability Protection (Protects You from Lawsuits)

Covers medical bills and legal expenses if someone gets injured in your home.
Example: A guest trips on your rug and breaks their arm. Your insurance helps cover their medical expenses.

Loss of Use (Temporary Housing Costs)

Covers hotel, meals, and living expenses if your rental unit becomes unlivable due to a covered event.
Example: A fire damages your apartment, forcing you to move out temporarily. Your policy covers hotel and food costs.

Additional Renters Coverage Options

🏠 Replacement Cost vs. Actual Cash Value – Choose to be reimbursed for the full cost of new items or their depreciated value.
🏠 Pet Liability Coverage – Protects against damage or injury caused by your pet.
🏠 High-Value Item Coverage – Extra protection for jewelry, collectibles, and expensive electronics.

How Much Does Renters Insurance Cost?

Renters insurance is surprisingly affordable, with costs based on:
✔️ Coverage limits & deductible
✔️ Location (risk of theft, fires, etc.)
✔️ Additional coverage options (pets, valuables, etc.)

💰 Average Renters Insurance Cost in Pennsylvania:

  • Basic coverage: $10–$20 per month
  • Higher coverage limits: $25–$40 per month

For less than the price of a pizza, you can have peace of mind knowing your belongings are protected.

Why Choose Good Apple Insurance for Renters Coverage?

🏠 Independent Agency Advantage – We compare multiple top-rated providers to find you the best rates.
🏠 Customized Coverage – Tailored to your belongings, budget, and lifestyle.
🏠 Local, Personalized Service – Expert guidance from licensed professionals in York, PA.
🏠 Quick & Hassle-Free Quotes – Save money while getting the protection you need.

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