Shoemaker's Insurance

Coverage that Follows Your Footsteps

Landlord Insurance in Pennsylvania & Beyond

Experience easy access to affordable, high-quality Landlord Insurance Pennsylvania in Pennsylvania, Maryland, Delaware, Ohio, Virginia, West Virginia, Florida, Georgia, and Tennessee.

Get a quick Landlord Insurance Pennsylvania quote!

Shoemaker’s Insurance | Insurance in Pennsylvania

Protecting your rental property in Pennsylvania requires more than a basic homeowners policy. At Shoemaker’s Insurance, we help property owners across the state find customized landlord insurance solutions that address their unique needs. Whether you rent out a single-family home or multiple units, the right protection can make all the difference when unexpected challenges arise.

We work with trusted carriers and aim to help you explore your coverage options so you can feel more prepared and informed about your risks as a landlord.

Landlord Insurance Pennsylvania

What Is Landlord Insurance?

Landlord insurance is a type of property insurance designed for individuals who rent out residential properties. It typically differs from homeowners insurance in that it’s intended for properties not occupied by the owner.

This type of policy may provide coverage for the dwelling itself, as well as optional protection for structures on the property, lost rental income due to covered claims, and more. In Pennsylvania, having the right landlord insurance in place can help you manage the financial risks that come with renting out your property.

Get a quote for Landlord Insurance Pennsylvania

Why Should Pennsylvania Property Owners Consider Landlord Insurance?

Owning rental property involves responsibilities that go beyond basic maintenance. From tenant-related damages to storm-related property issues, the risks can add up quickly.

Landlord insurance may help provide protection against some of the more common challenges rental property owners face in Pennsylvania, such as:

  • Damage caused by fire, wind, or other covered events
  • Liability concerns related to tenants or guests
  • Loss of rental income following a covered loss
  • Vandalism or theft (when included in the policy)

 

Not every policy includes the same protections. That’s why it’s important to review your options with an agency familiar with Pennsylvania property risks—like Shoemaker’s Insurance.

  • Landlord liability insurance is often included as part of a landlord insurance policy, but it may also be available separately. This type of coverage is designed to help with costs if a tenant or guest is injured on the property and holds the landlord responsible.

    Coverage may apply to legal fees, court costs, or settlement amounts if a claim is made due to issues like:

    • Slips and falls on icy walkways
    • Accidents caused by loose railings or damaged steps
    • Injuries due to lack of property maintenance

     

    Because liability laws can vary by location and circumstance, Shoemaker’s Insurance helps you evaluate which landlord liability coverage may suit your needs in Pennsylvania.

  • There is no state law in Pennsylvania that requires landlord insurance. However, if you have a mortgage on your rental property, your lender may require specific types of insurance to protect the property.

    Even without a legal obligation, many property owners choose to carry landlord insurance to help safeguard their investment. Without it, you may be responsible for repair costs, legal expenses, or rental income loss out of pocket.

  • While both types of insurance provide protection for property structures, the key difference lies in occupancy. Homeowners insurance is designed for owner-occupied residences, while landlord insurance is intended for properties leased to tenants.

    Homeowners insurance typically does not offer coverage for tenant-related damages or rental income loss. If you rent out property in Pennsylvania, carrying landlord insurance may provide more appropriate protection for your situation.

  • Landlord insurance in Pennsylvania may be available for a variety of residential property types, including:

    • Single-family homes
    • Duplexes and triplexes
    • Townhouses
    • Small apartment buildings
    • Condominiums (if rented out)

     

    Whether you own one unit or several, Shoemaker’s Insurance can help you explore coverage options based on the specific characteristics of your property.

  • Typically, landlord insurance does not provide coverage for a tenant’s personal belongings. Tenants are generally responsible for insuring their own possessions through a renters insurance policy.

    As a landlord, you may consider requiring tenants to carry renters insurance as part of the lease agreement. This can help reduce misunderstandings and protect both parties in the event of a loss.

  • The cost of landlord insurance can vary depending on several factors, such as:

    • Location of the property
    • Age and condition of the building
    • Type and amount of coverage selected
    • Number of rental units
    • Deductible amount

     

    At Shoemaker’s Insurance, we work with multiple carriers to help you compare landlord insurance options that align with your budget and needs. Our goal is to help you feel more informed when choosing coverage for your Pennsylvania property.

  • Many landlord insurance policies offer optional add-ons to enhance your coverage. Depending on the insurer and policy, you may be able to include protections such as:

    • Equipment breakdown
    • Water or sewer backup
    • Legal expense reimbursement
    • Vacancy coverage
    • Ordinance or law coverage

     

    If your rental property has unique risks, these additions may offer another layer of support. We can walk you through the available endorsements so you can consider which ones are appropriate for your property.

Landlord Insurance Pennsylvania

Ready to Explore Landlord Insurance in Pennsylvania?

Whether you’re new to renting out property or have been managing rentals for years, Shoemaker’s Insurance can help you explore coverage options that work for you.

Contact us today to request a personalized landlord insurance quote. Our team is here to guide you through the process and help you find protection tailored to your Pennsylvania rental property.

Shoemaker's Insurance Logo

Headquarters

165 E Washington
St Chambersburg PA 17201
717-263-6360

Send us a Message!