Pennsylvania Renters Insurance

Why do I need renters insurance?

Renters insurance is not required by law in Pennsylvania, but your landlord's insurance will only cover general building damage - not your stuff. And whether you're renting an apartment in University City or a family home in Bucks County, NJM knows you've got some stuff. Finding the money to replace that brand new Eagles Super Bowl jersey or your Macbook from college after a catastrophic event can be tough. That's where NJM comes in, with a competitively priced renters insurance policy that caters to your needs.

How much is renters insurance in Pennsylvania?

From West Chester to Conshohocken and beyond, the Keystone State is home to thousands of renters. The average annual cost for an NJM Renters policy in Pennsylvania is $150. That's an average of $13 a month* and can be the difference between having to empty your savings to purchase a new computer if there's a leak in your apartment, or keeping that money for the trip to LA you've been saving for. Plus, if you're already an NJM policyholder, you can bundle your auto policy with a renters policy to qualify for discounts. NJM will also give you a discount if you have a smoke detector or sprinkler system installed in your rental.

What does renters insurance cover?

Policies in Pennsylvania typically include coverage for personal property, personal liability, and medical payments to others. This means that you're covered for a fire, a break-in, or a washing machine mishap. Your NJM policy will also cover living expenses beyond your normal costs if you have to relocate temporarily because of damage to your apartment, as well as an injury to a friend who is injured while visiting your apartment. The Pennsylvania Insurance Department provides additional information on choosing the right renters insurance policy based on your needs. Looking for even more coverage? Things that may be expensive to replace, such as jewelry or computer equipment, as well as costs related to credit card fraud and identity theft, can be covered through endorsements.

Why NJM?

There's more to insurance than coverages and deductibles. This is a service industry. For more than 100 years, NJM has been synonymous with its customer service. It's personal and real. Even when you file a claim, we're available to answer your questions, so don't hesitate to contact us. You may know NJM for providing homeowners insurance for decades. Now it's your turn to join the family and savor the peace of mind that comes with an NJM Renters policy.

*Monthly premium is an estimate, and assumes a $750 deductible along with the following coverage limits: $25,000 in Personal Property; $7,500 in Loss of Use; $300,000 in Liability; and $3,000 in Medical Payments to Others.