Get A Quote For Maryland and Pennsylvania Renters Insurance
Protect your Maryland and Pennsylvania belongings with affordable renters insurance from Downes Insurance. Our coverage not only safeguards your personal items but also includes medical expenses for covered incidents and increased living costs if your home is temporarily uninhabitable due to a covered loss.
To get started, please fill out the form below as completely as possible. Once finished, click the Submit button to your information, and we will handle your request promptly.
Maryland and Pennsylvania renters insurance coverage gives you peace of mind
Maryland and Pennsylvania renters insurance is designed to cover unexpected events, including theft of your personal property and injuries that you are liable for. All renters policies from Progressive come with these four essential coverages included, with customizable coverage limits:
Personal property
Personal property coverage may provide coverage for items such as clothing, electronics, furniture, tools, and appliances. These types of items may be covered against incidents like fire, theft, vandalism, and certain weather events. You may need extra coverage for jewelry, which you can add during the renters insurance quote process.
Liability
If you're legally responsible for someone's injuries or damage to their property, personal liability coverage for renters may pay for their injuries or damaged property up to the limits of your policy.
Loss of use
If your place is damaged and uninhabitable due to a covered loss, loss of use coverage may help pay for lodging and grocery expenses (above what you'd normally pay).
Medical payments to others
If someone was injured due to a covered occurrence, medical payments coverage may help pay for their injuries, regardless of who was at fault.
Renters insurance FAQ
How much renters insurance do I need?
The amount of coverage you need primarily depends on two factors:
-
How much personal property do you have? Taking a home inventory can help you determine the combined value of all your stuff.
-
What is your net worth? If you're liable for someone else's injuries or property damage, you need at least enough personal liability coverage to cover what you have to lose.
Does renters insurance cover theft?
Your renters insurance policy's personal property coverage may cover belongings that have been affected by theft and/or damage due to an attempted theft, up to your coverage limit and minus any deductible. This coverage could also extend to belongings that are in your car, storage unit, or even while traveling, though keep in mind your coverage limits may change based on the location of your personal property at the time of occurrence.
Does renters insurance cover pet damage?
If your pet damages someone else's property your liability coverage may pay to repair or replace the items or property, up to your coverage limit. However, liability coverage doesn't extend to oneself, so pet damage to your residence is your responsibility.
Does renters insurance cover water damage?
Renters insurance may cover water damage due to a covered event, such as a fire. However, a renters policy would not cover water damage due to flooding. A water backup endorsement, if available on your renters policy, may be able to help if your property is damaged due to water backing up from your sewer or drains.
What is the difference between renters/landlord coverage?
Renters insurance is for individuals renting from a landlord or property manager. A renters policy covers your belongings. Landlord insurance is a special type of homeowners insurance that covers the physical structure. If something happens to the building and your stuff gets ruined inside, your landlord's policy may not cover your personal property, and a renters policy would be necessary for coverage.