No, the state of Pennsylvania does not require homeowners, condo or renters insurance. However, your mortgage company, Homeowners’ Association or landlord may require insurance as a condition of your loan, association standing or lease.

Landlords are not required to have homeowners insurance. However, having coverage is an important way to protect a rental property investment.

The average cost of homeowners insurance will vary by the amount of coverage needed and characteristics of your home, such as the age of the building or if it has custom construction or elaborate design.

Grange partners with independent agents to ensure you have the right coverage to fit your budget. An independent agent can suggest and explain coverages that you need. Find an agent to get started.

Typically, a homeowners policy will cover personal property belonging to the “insured” (you), which would not include your significant other’s belongings.

In Pennsylvania, you can obtain insurance through an independent insurance agent or directly through an insurance company. Grange partners with independent agents to ensure you get the right coverage to fit your budget.