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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.”
Why You Can’t Skip Landlord Insurance in Pennsylvania
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.
What Does Landlord Insurance in PA Cover?
Property Damage
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.
Liability Protection
If a tenant or visitor gets hurt on your property, liability coverage helps cover legal costs, medical bills, and settlements.
Loss of Rental Income
If your property becomes unlivable due to a covered event, this helps cover lost rent during repairs.
Optional Add-Ons
- Flood insurance (especially important in cities like Harrisburg and Erie)
- Equipment breakdown for HVAC, plumbing, and appliances
- Short-term rental protection — compare rental strategies
- Umbrella coverage for added liability protection
How Much Does Landlord Insurance Cost in Pennsylvania?
Most Pennsylvania landlords pay between $900 and $1,700 per year. Rates vary based on:
- Property age and condition (older = more expensive)
- Location (urban, flood zone, high-claim zip code)
- Coverage limits and deductible amounts
- Type of tenants and rental term (short-term usually costs more)
You can usually get a better rate by bundling policies, increasing your deductible, or insuring multiple properties under one provider.
Who Offers the Best Landlord Insurance in PA?
We recommend Steadily. It’s built specifically for landlords—no fluff, no guesswork.
Why Steadily works for Pennsylvania landlords:
- Fast online quotes with clear terms
- Coverage for properties owned by individuals or LLCs
- No unnecessary paperwork or sales calls
- Affordable pricing in high-risk and urban zones
Common Claims from PA Landlords
Snow & Ice Damage
Frozen pipes and collapsing gutters are among the most common winter claims.
Water Damage
Basement flooding and roof leaks during spring rainstorms happen frequently across older homes in the state.
Tenant Liability Lawsuits
Slip-and-falls, faulty stairs, or poor lighting could put you at legal risk if you’re not insured properly.
Tips to Lower Your Premium
- Install security systems, smart water shutoff valves, and smoke alarms
- Keep your property well-maintained
- Screen tenants thoroughly and require renters insurance
- Consider bundling multiple properties under one provider
- Raise your deductible for a lower premium
FAQ: Landlord Insurance in Pennsylvania
Do I need landlord insurance for just one rental unit?
Yes. Even one tenant adds legal and financial risk. A landlord policy is always worth it.
Is flood insurance included?
No. You’ll need to purchase it separately. Consider it if your property is near a river, creek, or floodplain.
Does landlord insurance cover the tenant’s belongings?
No. Tenants should have their own renters insurance to protect their stuff.
Final Thoughts
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.
Our advise is based on experience in the mortgage industry and we are dedicated to helping you achieve your goal of owning a home. We may receive compensation from partner banks when you view mortgage rates listed on our website.
