Renters Insurance in Pennsylvania & Maryland
Protecting What's Actually Yours
Renting comes with a lot of freedom — and one common blind spot: your landlord's insurance protects the building, not what's inside it. If a fire, theft, or burst pipe damages your furniture, electronics, or clothing, that's on you unless you have your own policy. At Kelly Glass Insurance, we help renters throughout Lebanon, PA and across Pennsylvania and Maryland find coverage that actually fits their life — because we're Focusing on You, not just the fine print.
What Renters Insurance Can Cover:
- Personal Property — Your furniture, electronics, and clothing if they're damaged or stolen. Higher-value items like jewelry may need additional scheduled coverage — we can help you figure out what's worth adding.
- Liability Protection — Coverage if a guest is injured in your rental or you accidentally damage someone else's property.
- Loss of Use — Helps cover a hotel and meals if a covered event makes your apartment temporarily unlivable.
- Medical Payments to Others — Helps pay medical bills if someone is hurt at your place, regardless of fault.
Not every renter needs every coverage — that's what a real conversation with a local agent is for.
Frequently Asked Questions
Does my landlord’s insurance cover my stuff?
No. Your landlord’s policy only covers the physical building (the structure). It does not cover your furniture, electronics, clothing, or jewelry if they are damaged by fire or stolen. Renters insurance is the only way to protect your personal property.
How much does renters insurance cost in Pennsylvania or Maryland?
Renters insurance is incredibly affordable, often costing less than a dollar a day. At Kelly Glass Insurance, we help our Pennsylvania and Maryland neighbors find policies that fit even the tightest budgets.
Can I bundle renters insurance with my auto policy?
Yes. Bundling your renters and auto insurance with Kelly Glass Insurance often lowers your combined premium and simplifies your coverage — one local agent, both policies, one point of contact if anything ever happens.
What is "Loss of Use" coverage?
If a covered disaster (like a fire) makes your apartment uninhabitable, "Loss of Use" helps pay for temporary housing, hotel stays, and additional living expenses while you’re displaced.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: You're a person, not a policy number. As you move, add a roommate, or acquire more belongings, we sit down with you to review your coverage and catch gaps before they become a problem.
- Claims Advocacy: If the unexpected happens, we've got your back. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: Based in Lebanon and serving all of Pennsylvania and Maryland, we know the carriers who genuinely specialize in renters coverage — not just the ones with the biggest ad budget.
Ready to Get the Right Coverage?
Tell us about your place and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right renters policy for you.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.