H&M
INSURANCE AGENCY
Renters Insurance for Apartments & Homes in Pennsylvania
Affordable protection for your belongings and liability.
Pennsylvania Standard Coverages
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Personal Property — Covers your belongings from theft, fire, vandalism, smoke damage, burst pipes, and other covered losses. This includes furniture, electronics, clothing, and valuables.
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Liability Protection — Covers injuries or property damage you accidentally cause to others. Also includes legal defense costs if you are sued.
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Medical Payments to Others — Pays for minor medical expenses if a guest is injured in your rental home, regardless of who is at fault.
Optional Coverage Add‑Ons
(These can be added for extra protection.)
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Loss of Use — Pays for temporary housing, meals, and living expenses if your rental becomes uninhabitable after a covered loss.
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Water Backup — Covers damage caused by backed‑up drains or sump pump failures.
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Scheduled Items — Provides higher coverage limits for high‑value belongings such as jewelry, watches, collectibles, and electronics.
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Identity Theft Protection — Helps restore your identity after fraud, including reimbursement for expenses related to recovery.
Why Choose Us?
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Low monthly rates
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Multiple Carriers
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Fast Quotes
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Local Pennsylvania expertise