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★★★★★
"First-time homeowner — got my insurance sorted before closing with no stress."
Tom H.
Nashville, TN
Rental Property Insurance for Landlords in Pennsylvania
Compare Pennsylvania landlord insurance — protect your rental investment and income.
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About Rental Property in Pennsylvania
If you rent out property in Pennsylvania — whether a single-family home, duplex, or multi-unit — your standard homeowners policy won't cover it. Landlord insurance (typically a DP-3 policy) covers the dwelling structure, your liability as a landlord, and lost rental income if the property becomes uninhabitable due to a covered event.
In Philadelphia's active rental market and Pittsburgh's growing investor scene, landlord insurance is essential protection. Unlike homeowners policies, DP-3 policies don't cover tenants' personal belongings — that's their renter's insurance. Your policy covers the building, your appliances and fixtures, liability if a tenant or visitor is injured, and fair rental income if a covered loss makes the unit unrentable.
Rates vary significantly by property type, location, and whether the property has been updated. Older rental properties in Philadelphia — particularly those with original electrical or plumbing — face higher premiums. Documenting system updates when comparing plans can meaningfully reduce your rate.
Renting out property in Pennsylvania? Standard homeowners won't cover you
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Frequently Asked Questions
What does landlord insurance cover in Pennsylvania?
A DP-3 policy covers the dwelling structure, your fixtures and appliances, liability, and lost rental income due to covered events. It does not cover tenants' personal property.
How much does landlord insurance cost in PA?
Landlord insurance in Pennsylvania typically runs $45–$90/month per property depending on value, location, age, and coverage limits. Philadelphia properties tend to cost more than rural areas.
Can I use regular homeowners insurance for a rental in PA?
No. If you're not living in the property, a standard homeowners policy won't cover it. Claims can be denied if the insurer discovers the property is tenant-occupied under a homeowners policy.
Does landlord insurance cover tenant damage in Pennsylvania?
Landlord insurance covers damage from covered perils (fire, storms, vandalism) but typically not normal wear-and-tear or intentional tenant damage. Your security deposit and tenant's renter's insurance handle those.
Is lost rent covered by Pennsylvania landlord insurance?
Yes. Fair rental income coverage reimburses you for lost rent if a covered event makes the property uninhabitable while repairs are completed. Coverage limits vary by policy.
What customers say
★★★★★
"Bundled home and auto and saved almost $400/year. Wish I'd done it sooner."
Diane M.
Portland, OR
★★★★★
"Compared condo insurance plans side by side. Never realized how much rates vary between carriers."
Marcus J.
Boston, MA
