Best Renter's Insurance Companies in Erie

FAQs

• In Erie, can you save on premiums if you choose a higher deductible in renter's insurance?

  Yes, having a higher deductible will result in lower monthly premiums for renter's insurance. When filing a claim in Erie, you must be prepared to pay the deductible upfront. The key to determining the appropriate deductible amount is to strike a balance between how much you can afford to pay monthly and how much you can pay out-of-pocket when the time comes.

• Can a rental company in Erie include renter's insurance as a prerequisite for a lease?

  Renter's insurance can be legally required as part of a rental agreement in Erie. This is true even if Pennsylvania law does not require renter's insurance. One reason landlords may require this is that they are required by state law to assist tenants in relocating if the rental unit is damaged by fire or a natural disaster. If tenants have insurance, the landlord's burden is reduced.

• Does renter's insurance cover damage from severe weather conditions in Erie?

  In Erie, renter's insurance covers losses resulting from severe weather events like tornadoes, hurricanes, windstorms, and hail. Similarly, renter's insurance does not cover flooding. There are also different requirements depending on the insurance company and policy. Some policies, for example, limit coverage to hurricanes only.

• If a renter's dog bites someone in Erie, can insurance pay for the damage?

  Yes, Erie renter's insurance covers dog bite damage. Personal liability and medical bill payment coverage are included. Certain breeds, however, may be excluded from the insurance policy. German Shepherds, American Bulldogs, Chow Chows, and Doberman Pinschers are among these breeds. A dog that has previously bitten someone or is deemed dangerous may also be denied coverage.

• Do certain insurers in Erie provide identity theft coverage as part of their renter's insurance policies?

  As an add-on to renter's insurance, some insurance companies provide identity theft coverage. The coverage covers the costs of reclaiming a person's identity when it is stolen in order to steal their money. Legal fees, loan reapplication fees, and notary expenses are all possible costs. Check forgery and unauthorized credit card use are two examples of Erie identity theft cases.