Protect Your Rental Investment with Steadily
- Comprehensive coverage for fire, water, vandalism, and more
- Quick online quotes—get insured in minutes
- Tailored policies for short, mid, and long-term rentals
- Nationwide availability across all 50 states
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Owning a rental property in Pennsylvania? Whether it’s a duplex in Pittsburgh or a triplex outside Philadelphia, your standard homeowners insurance probably isn’t cutting it.
Landlord insurance in Pennsylvania covers the real risks—property damage, lawsuits, and income loss—so you don’t get blindsided by something you thought was “covered.”
Homeowners insurance is designed for owner-occupied properties. If you’re renting to tenants, you need landlord insurance. It covers the unique risks rental property owners face, like fire, liability, and unpaid rent during repairs.
In Pennsylvania, we’re talking about four seasons of risk—snow and ice damage in the winter, heavy rain and flooding in the spring, and everything else in between. Landlord insurance isn’t optional—it’s smart business.
Covers your rental home or building if it’s damaged by fire, storms, vandalism, or theft. This is crucial in aging row homes and older multi-families found throughout Pennsylvania cities.
If a tenant or visitor gets hurt on your property, liability coverage helps cover legal costs, medical bills, and settlements.
If your property becomes unlivable due to a covered event, this helps cover lost rent during repairs.
Most Pennsylvania landlords pay between $900 and $1,700 per year. Rates vary based on:
You can usually get a better rate by bundling policies, increasing your deductible, or insuring multiple properties under one provider.
We recommend Steadily. It’s built specifically for landlords—no fluff, no guesswork.
Why Steadily works for Pennsylvania landlords:
Frozen pipes and collapsing gutters are among the most common winter claims.
Basement flooding and roof leaks during spring rainstorms happen frequently across older homes in the state.
Slip-and-falls, faulty stairs, or poor lighting could put you at legal risk if you’re not insured properly.
Yes. Even one tenant adds legal and financial risk. A landlord policy is always worth it.
No. You’ll need to purchase it separately. Consider it if your property is near a river, creek, or floodplain.
No. Tenants should have their own renters insurance to protect their stuff.
Landlord insurance in Pennsylvania isn’t just a checkbox—it’s your safety net. Whether you’re investing in rental property in Philly, the Lehigh Valley, or Western PA, the right policy protects your asset and your income.
Don’t wait for a lawsuit or disaster to realize you’re undercovered. Start with a policy that fits your actual risk profile. Avoid common insurance mistakes and choose smarter coverage today.
This article is for educational purposes only and does not constitute financial, legal, or investment advice. Mortgage rates, terms, and requirements vary by lender and individual circumstances. Always consult with qualified, licensed mortgage professionals before making financial decisions. REInvestorGuide.com may receive compensation from featured lenders and service providers.
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