Pennsylvania Renter’s Insurance

Do you currently rent an apartment or home? Renters in the Hanover, PA and surrounding areas continue to see their rent increase. Too often they choose to skip buying renters insurance to save money. According to III, 95% of home owners have insurance, but only 41% of renters have insurance on their personal belongings. Not buying renters insurance is a big risk and one you can’t afford to make. Especially since renters insurance is relatively inexpensive.

Risks Renters Could Face

As a renter, you face a lot of the same risks that home owners face every day. While you may not have to pay to rebuild a home in the event of a catastrophic event like a fire, you do have personal belongings that hold value. Here are a few risks that you face:

Kitchen Fires:
Making meals in our kitchen is risk often overlooked. Fires happen in the blink of an eye and depending on the type and reaction time can leave you with a mess. Replacing kitchen tools and appliances quickly add up in costs.

Frozen Pipes:
It is every tenant’s responsibility to make sure your heat is set at an acceptable temperature through the winter. From time to time, pipes freeze which can lead to pipe bursts when they thaw. Your landlord is responsible for fixing the pipes and building, but it is your responsibility to replace your personal items that were destroyed or damaged.

Loss of Electric:
Depending on the time of year, severe storms visit the Hanover area. Both wind and snow can cause power outages. If your power goes out for too long, the food in your refrigerator and freezer can spoil. Buying meat, produce, and other consumable items is not cheap with the current grocery store prices.

Nobody wants to think about it, but even in our small towns, burglaries and break-ins happen. If a thief visits your home while you are away or in the middle of the night to steal jewelry or other valuables, can you afford to replace them?


Visits from friends and family are common in any home. These normal visits can take a turn for the worst if somebody falls and injures themselves because you can be held liable for any medical expenses or lost wages that arise from an injury.

Why You Need Renters Insurance

Renter’s insurance protects the things you own in the event they are stolen, damaged, or destroyed by a covered event.  It also protects you, your family, and your assets if somebody files a lawsuit alleging property damage or personal injury. It pays to be safe in today’s litigious and unpredictable environment.

How Much Does Renters Insurance Cost?

Renters insurance varies in cost depending on the insurance company you choose. In most cases, it is an inexpensive investment. Especially when you look at how much it can save you in the event of an unexpected and damaging scenario. Rumbaugh Insurance is located in Hanover, PA and helps residents like you in York and Adams Counties find renters insurance that protects your belongings and family at a price that makes sense. Contact one of our insurance professionals by completing the renters insurance form or calling 717-632-6001.

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