If you’re renting an apartment or home in the Lehigh Valley—whether it’s in Allentown, Bethlehem, or Easton—chances are you’ve invested time and money into making your space feel like home. But is your renters insurance properly covering your home?
Many renters assume their landlord’s insurance covers everything, but that’s a misconception. Renters insurance is more than just a “nice-to-have”—it’s an essential layer of protection that’s often overlooked.
What Is Renters Insurance?
Renters insurance is a type of policy designed specifically for those who rent their living space. It typically covers:
- Personal property: If your belongings are stolen or damaged by a covered event (like a fire or burst pipe), your policy helps replace them.
- Liability protection: If someone is injured in your home, you could be held responsible. Renters insurance helps cover legal and medical costs.
- Loss of use: If your home becomes uninhabitable due to a covered event, your policy can help pay for temporary housing.
Why It’s Especially Important in the Lehigh Valley
The Lehigh Valley is booming. With a growing number of apartments popping up in downtown Allentown, trendy lofts in Bethlehem, and college rentals near Easton, the demand for rental housing is on the rise.
But more rentals mean more people at risk. Our region is no stranger to severe thunderstorms, heavy spring rains, or unexpected power outages. In recent years, local residents have seen apartment fires displace dozens of tenants. Without renters insurance, these people were left facing thousands of dollars in losses.
The Cost Is Lower Than You Think
In Pennsylvania, the average cost of renters insurance is about $15–$20 a month—that’s less than most streaming services. For the price of one takeout meal, you could have peace of mind knowing your valuables are protected.
Common Misconceptions We Hear from Lehigh Valley Renters
- “My landlord’s insurance will cover me.” Nope—landlord insurance only covers the building, not your stuff.
- “I don’t own anything valuable.” Add up the cost of your furniture, electronics, clothing, and kitchen gear—you’d be surprised.
- “I’ll get it later.” Disasters don’t wait, and you can’t get coverage after the fact.
Protect Your Peace of Mind
Whether you’re living in a historic row home in Easton, a new-build in Fogelsville, or a student apartment in South Bethlehem, renters insurance offers affordable protection from life’s unpredictable moments.
Don’t wait until it’s too late.
Request a Renters Insurance quote with us: https://ymiagency.com/personal-insurance/renters-express-program/
