Protection for your belongings and your liability—designed for renters across Lancaster, New Holland, York, Harrisburg, and beyond.
Even if you don’t own the place you live, you still have a lot to protect. Renters insurance helps cover your personal belongings and your personal liability if someone is hurt in your home or you accidentally damage someone else’s property. From apartment fires and theft to everyday mishaps, the right policy can make a stressful situation much easier to recover from. Community Insurance works with renters throughout Lancaster County and across Pennsylvania to build affordable coverage that fits real life. We’ll help you understand what’s included, pick sensible limits and deductibles, and coordinate your renters policy with your auto and other personal insurance.
Personal Property (Your Belongings)
Renters insurance helps protect the things you own—furniture, clothing, electronics, kitchenware, décor, and more—against covered losses like fire, theft, certain types of water damage, and vandalism. We’ll help you estimate the value of your belongings and consider whether replacement cost coverage makes sense so you’re not stuck starting over from scratch.
Loss of Use / Additional Living Expenses
If a covered loss makes your rental uninhabitable, loss of use coverage can help with additional living expenses, such as hotel stays or short-term rentals, plus extra meal costs above your normal budget. This support can make it easier to land on your feet while your unit is repaired or you find a new place.
Personal Liability
Personal liability coverage helps protect you if someone claims your actions—or a condition in your rental—caused bodily injury or property damage. That could include a guest being injured in your apartment or a child accidentally damaging a neighbor’s property. Liability coverage can help with legal defense, settlements, and judgments up to your policy limits.
Medical Payments to Others
Medical payments coverage provides a limited amount of no-fault medical coverage if a guest is injured at your home. It’s designed for minor incidents and can sometimes help resolve issues quickly without escalating into a larger liability claim.
Coverage for Belongings Away from Home
Many renters policies extend some protection to your belongings when they’re temporarily away from home—for example, items stolen from your car or lost during travel (subject to policy terms). We’ll walk through how your policy treats belongings that leave the apartment so you know what to expect.
Optional Endorsements & Add-Ons
Depending on what you own and where you live, you may want options like higher limits for jewelry or electronics, identity theft coverage, or endorsements for certain types of property or perils. We’ll help you decide which add-ons are worthwhile so you get meaningful protection without overpaying.
Who Typically Needs Renters Coverage
If you rent an apartment, townhome, or house, renters insurance is one of the simplest and most affordable ways to protect your belongings and your liability. Your landlord’s policy typically covers the building itself—not your personal property or your personal liability—so it’s up to you to put coverage in place.
Common Renters Who Rely on Renters Insurance:
- Tenants in apartments or townhomes in Lancaster, New Holland, York, and Harrisburg
- College students and recent grads renting their first place
- Roommates sharing a rental home or apartment
- Families renting while they build, relocate, or decide where to buy
- Long-term renters who prefer flexibility over homeownership
- Renters who want their belongings covered while traveling
- Anyone whose landlord requires proof of renters insurance in the lease
Many people are surprised by how affordable renters insurance can be compared to the protection it offers. We’ll help you understand what coverage could look like for your situation so you’re not relying on wishful thinking if something goes wrong.
Our Process for Designing Renters Insurance
Instead of guessing at limits or choosing the cheapest option online, we take a few minutes to understand what you own, how you live, and what your landlord requires. Then we design a renters policy that fits your lifestyle and coordinates with your other coverage.
Learn About Your Living Situation
We start with a conversation about where you live, how many people are in your household, and any special items you want to protect.
Review Your Belongings & Risks
We talk through what you own, any higher-value items, and your comfort level with different deductibles and liability limits.
Compare Multiple Carriers
As an independent agency, we shop several companies to compare pricing, coverage options, and available discounts—especially when bundling with auto.
Set Limits & Fine-Tune Options
We walk through your choices in plain language, setting personal property and liability limits, choosing a deductible, and considering optional coverages where needed.
Implement & Support
Once your policy is in place, we help with proof of insurance for your landlord, policy changes when you move or add roommates, and claims support if you ever need to use your coverage.
How Renters Coverage Fits with Auto, Umbrella, and More
Renters insurance is often the first step toward a more complete personal insurance plan. Many renters choose to bundle their renters policy with auto insurance, which can simplify billing and often unlock multi-policy discounts. If you have significant income or assets to protect—or simply want higher protection—a personal umbrella policy can add extra liability coverage over both your renters and auto policies. We’ll help you see how renters insurance fits into the bigger picture and when it may make sense to adjust limits or add additional policies as your life changes.
Renters Insurance - Commonly Asked Questions
Frequently Asked Questions
Does my landlord’s insurance cover my stuff?
Typically, no. Your landlord’s policy is designed to cover the building and common areas, not your personal belongings or personal liability. If there’s a fire, burst pipe, or other covered loss, your landlord’s insurance generally won’t pay to replace your furniture, clothing, or electronics. That’s where renters insurance comes in.
Is renters insurance expensive?
Renters insurance is often more affordable than people expect, especially considering the amount of coverage it provides. Premiums depend on factors like your location, chosen limits, deductibles, and any optional coverages. We’ll give you clear, no-pressure quotes so you can see how different options affect the cost.
How much renters insurance do I need?
The right amount depends on the value of your belongings and how much liability protection you want. We’ll help you estimate what it would cost to replace your stuff and recommend liability limits that make sense for your situation. Many renters are surprised to find they own more than they thought once everything is added up.
Am I covered if my belongings are stolen from my car?
In many cases, personal property coverage from your renters policy is what responds if belongings are stolen from your vehicle, not the auto policy itself—subject to your deductible and policy terms. We’ll explain how your specific policy treats theft from vehicles so you know what’s covered and what isn’t.
What happens to my renters insurance if I move?
You don’t need to start over from scratch. When you move to a new apartment or rental home, we can update your policy with the new address, adjust limits if needed, and make sure any new landlord requirements are met. Just let us know before or shortly after your move, and we’ll help keep your coverage continuous.
Ready to Protect the Place You Call Home—Even If You Don’t Own It?
Whether you’re renting an apartment in Lancaster, sharing a townhome in New Holland, or settling into a rental home anywhere in Pennsylvania, renters insurance can help protect what you’ve worked hard to build. Community Insurance is here to help renters in Lancaster, New Holland, York, Harrisburg, and beyond put practical, affordable coverage in place.