Average Cost of Renters Insurance

4 Dec

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The Independent Insurance Agents and Brokers of America or IIABA revealed in 1 of their reports that the common price of Renters Insurance is about $240 a year, $12 a month or $3 per week. The common expense is for an insured policy with a content replacement or house coverage of $30,000 and liability coverage that amounts to $100,000. The computation of your premium rate really depends on a lot of elements: age of your property (the older your residence is the greater your premium expense) the area or location exactly where you reside (the higher-risk region and the greater price of residing implies greater premium rate) how a lot you are willing to spend for your deductible (the higher the deductible the decrease the premium rate), and lastly is your insurance company.

Do you belong to the 2/3 of those who are renting an apartment or residence and yet do not carry a renters insurance? Statistics had been drawn out from IIABA’s consumer survey and was conducted by a third celebration by way of a national consumer telephone survey. Out of the 1,000 individuals whom they’ve asked, 64.4 % answered “no” to having a renters insurance policy even when the typical expense of renters insurance is not that truly high-priced due to the fact this is the top purpose and misconception of these folks. There were at least 2.2 % who answered “do not know” which signifies that they are not aware that there exist an insurance policy created for those who are renting.

To erase the misconception of an costly premium price for insurance policy of rental properties, right here is the data about the average expense per state. The figures are based on the 2006 data of the National Association of Insurance Commissioners. The US countrywide cost is $189. The state that has the highest typical price of renters insurance is Texas with $261 and the state that has the lowest average price of renters insurance is North Dakota with only $119 and someplace in the middle is Washington with $170.

Other states (arranged from highest to lowest) is as follows: Immediately after Texas, Mississippi follows with $252 as its typical expense of renters insurance. Subsequent in line are Louisiana ($245), California ($244), Oklahoma ($230), Alabama/Massachusetts ($223), New York ($220), Arkansas ($217), Georgia ($215), Hawaii ($213), Tennessee ($208), Arizona ($207), Nevada ($205), Florida ($201), New Mexico ($200).

These are the states that the average cost are beneath $200 – Connecticut ($197), Rhode Island ($189), South Carolina ($189), District of Columbia ($185), Alaska ($182), New Jersey ($179), West Virginia ($177), Indiana ($173), Kansas ($170), Colorado ($169), Illinois ($168), Missouri ($166), Michigan ($164), Ohio ($163), Oregon ($162), Kentucky ($161), Maryland/Montana/Vermont ($160), Delaware ($159), New Hampshire ($157), Wyoming ($155), Idaho ($153), Nebraska/Pennsylvania ($148), Virginia ($147), Maine ($145), North Carolina ($144), Minnesota/Utah ($139), Iowa ($132), Wisconsin ($122), and ultimately South Dakota ($120).

Now that you are aware of the typical expense per state, you can more or less calculate how much you would have to conserve whether it is day-to-day, weekly or month-to-month. Right after you make your computation, you would understand then that it is not truly that high-priced.

62 Responses to “Average Cost of Renters Insurance”

  1. Mohamed January 4, 2013 at 3:18 am #

    Renter Insurance for any 1-bed room Apartment.

  2. Aleida January 4, 2013 at 3:33 am #

    an evaluation done around the items in my apartment and what’s the typical cost? In my tenants insurance to completely pay me for that a few things i own they are saying I ought to come with an evaluation done however they dont say how to get this done. My home is Texas incidentally

  3. Cyrus January 4, 2013 at 3:33 am #

    For an individual with one dog (this is not on the “bad” list for insurance) Normally, just how much must i count on paying? And it is it worthwhile to possess?

  4. Norris January 4, 2013 at 4:12 am #

    i’m asking about every cost except the price of leasing an appartment, just the daily expenses including every daily activity, thanks alot

  5. Luciana January 4, 2013 at 4:22 am #

    …possibilities currently available?

    Rates of interest are ideal for savings accounts at this time, the housing industry appears like it may be set for trouble soon, the stock exchange continues to be volatile now, but plenty of information mill announcing earnings and most of them look great. The Dow has hit 14,000, plus some express it might get to fifteen,000 through the finish of the season.

    How can you such as the various opportunities currently available? How does one split your hard earned money up? Are you currently trading for retirement, temporary gain, additional earnings, or looking to get wealthy quick?

  6. Christen January 4, 2013 at 4:22 am #

    Could it be smart to purchase? I have lost cash on both houses I have possessed. I am tired of it. Everything money and repairs, upkeep, insurance, etc and also the house only rises a small bit in value. I really like leasing, there is however no investment revenue.

  7. Beulah January 4, 2013 at 5:06 am #

    The typical living costs for just one within the U.S.

  8. Mickey January 4, 2013 at 6:35 am #

    Is it more beneficial to purchase my very own plane if I wish to be considered a flight instructor? Obviously I ultimately wish to become an air travel pilot but I must accrue some flying hrs….. That amounted to less??

    Let us say old Cessna 150 costs $30000

    Or is it more beneficial to book plane at flying school and be flight instructor and produce money?

    any advice?

  9. Sheree January 4, 2013 at 6:35 am #

    I am a very first time student this season, by next, I wish to be out leasing with buddies. I have become caught up with myself, and also have realized there is lots more into it compared to rent itself. What exactly are the rest of the expenses involved? Can there be some kind of comprehensive help guide to this (entering the rental market)?

    Please report polly for that “answer” selling stuff.

  10. Elliott January 4, 2013 at 7:44 am #

    I have been a renter for around 24 months, and becoming fed up with coping with some FBOs. I must start considering the potential of purchasing a LSA aircraft. I dont have the cash for a replacement and so i could be searching at used. Issue is I don’t know where to start, what the operation is, the way the transfer works, and just how much additional costs (additionally towards the cost from the plane) I’d incur throughout the entire process. How lengthy will it take? Every tips appreciated.

  11. Darrick January 4, 2013 at 7:45 am #

    I understand the expense of rent/mortgage monthly, but I’m not sure what anything else costs. Ex. energy, water, waste management, cable, etc. What should i consider after i re-locate of my parent’s home? Assume I will be in a tiny one to two bed room home/apartment with 2 people. Thanks.

  12. Ferne January 4, 2013 at 9:53 am #

    And when you realize normally just how much it is, that might be appreciated.

  13. Patrick January 4, 2013 at 10:38 am #

    I’m going to head off to college soon, and my spouse and i are seeking to get a condo

    Money can buy a condo that’s 650/month

    But exactly how much does anything else cost?

    Gas/Electric/Mobile phone/ Internet/ Cable/GROCERIES!!/ Car insurance/ avg vehicle obligations??


  14. Byron January 4, 2013 at 11:56 am #

    me and my pal both things to re-locate and that we were wondering just how much do we must pay monthly. will the rent cover electric power bills and water bills too? or do we must pay that extra? plz help we things to re-locate soon 😀

  15. Arturo January 4, 2013 at 12:11 pm #

    I wish to rent a apt in The country I live here permanently,whenever you rent here normally you depart a couple of several weeks deposit, however the apt I wish to transfer to has asked for that everybody has tenants insurance. They are saying it’ll cost you between 30 or 40 pounds monthly. Is that this a typical cost? Does anybody are conscious of any companies selling Tenants Inches around the Costa Etrusca? Any info could be greatly appreciated. Thanks.

  16. Orlando January 4, 2013 at 12:47 pm #

    Searching to purchase our first home. Each time I am going and do our taxes. Our account states we’d get a lot more back when we were home owners rather than tenants, Searching for any tips or insight. Thanks

  17. Serita January 9, 2013 at 6:53 pm #

    Any tips is needed . I am 19 and that i wanna re-locate of my parents house but what are the a few things i ought to know before leasing a condo and leaving? . and just what supplies must i dress in my listing of items to buy after i search for my new apartment ?

    the utmost i’ll have the ability to pay on rent could be from $500- $750 per month .

  18. Marnie January 13, 2013 at 6:24 am #

    I am leaving the very first time. I am getting into a condo having a friend. What exactly are all of the bills I want the pay? What exactly are their believed costs? What exactly are another things I have to know.

    Every little answer helps. Thanks. =)

  19. Earleen January 18, 2013 at 4:48 am #

    I mean the house, the furniture. i want to live in a big city, like new york, in a flat. where should i get the furniture, and everything. how does it go in the usa? and how much money i need to move in?

  20. Ernesto January 18, 2013 at 5:51 am #

    Point A –

    People in america have countless computer systems, Xbox’s, ipod device Nano’s, Jaguars and costly Latte’s from Local cafe.

    Meanwhile you will find children dying of starvation all across the globe. A truly alarming quantity of American information mill creating their items in 3rd world nations run by harsh dictators since the production price is less expensive than using American labor.

    Point B –

    Most People in america will work to repay debt. College financial loans and charge card debt have numerous People in america chained for their desks and they’ll probably never make enough money to go to Africa or Malaysia to determine the depriving children on their own.

    Actually, the majority of the refugees from hurricane Katrina were tenants and thus when their houses were lost, they didn’t even recieve any insurance moneys.

    So precisely how wealthy are People in america? Could they be the emperors in new clothing?

    Or could they be just slaves somewhere?

  21. Arturo March 11, 2013 at 1:03 pm #

    I think I am stressing myself out more then I should. What all do I need? I know I have to pay the first months rent, deposit, utilities, deposits on utilities, and extras. What could I be missing? What do you think the average cost of things are for an apartment in central Arkansas that is 2 bedroom and roughly 700 sq ft. HELP!!!!

  22. Luciana April 6, 2013 at 6:56 pm #

    I’m 20 years old and make $320/wk.How much should I pay in rent per week or per month? How much of a percentage should go towards rent? I’ve never rented before, but I’m paying my mom 75/wk and my portion of groceries. She might lose her place soon, and I’m an adult, so I need to be looking for a place of my own. I am planning on taking college classes, once I get things sorted out and a decent amount of savings. I have 300 saved back but it’s recommended to have 3-6mths of income in savings, and that doesn’t include how much it’s going to cost me to move. I have a car payment and I am working on getting that paid down.

  23. Carolee April 6, 2013 at 11:31 pm #

    I am planning on getting an aparement, but not sure what to expect to pay for utilities every month..I am in arizona.

  24. Tristan April 6, 2013 at 11:31 pm #

    just as a guess, how much would all the bills and food and other stuff cost?

  25. Christine April 7, 2013 at 3:38 am #

    I’m planning to move out of my parents house in a few years and figured now is a good time to start saving. Aside from the initial costs (furniture, moving boxes/vans, deposits and first month’s rent etc), what are all the bills to expect and what are their average costs? I’m looking in the Orlando area, but any of the other cities around it are fine if they’re cheaper and still close-by.

    I plan on getting either a studio or 1 bedroom apartment, likely on a 2nd or 3rd floor, I’m very conservative with energy, ac/heat and water, and I’m planning for having nothing included just in case. I won’t have a pet at the time, nor do I smoke/drink/gamble. I’ll be driving roughly 40 miles per day on a 28mpg car, so I’m just averaging that out to filling up my 13 gallon tank once a week at $4 per gallon.

    So far, I have Electricity, Phone (cell, no home phone), Internet, Cable, Water, Trash, Fuel (for my car), Renter’s Insurance, Car Insurance, Health Insurance, Rent, Food, Toiletries, Gas (heat and stove, if any are gas), and Laundry (if no washer/dryer in apartment).

    The estimates I have monthly so far are Electricity: $70-$150, Phone: $2-$50-$62, Internet: $52, Cable: $45-$79, Water: $50, Trash: $25, Fuel: $220, Renter’s Insurance: $16, Car Insurance: $125, Health Insurance: $450, Rent: $500, Food: $170, Toiletries: $50, Gas: $40, Laundry: $17.

    What bills/payments am I missing, and do my estimates seem correct? Personal experience from anyone who lived or is living there is much appreciated, but any thoughts/opinions are welcome.

    Thank you for reading such a long post and thank you in advance to any answers. If more details are needed, just let me know.
    I’ll be attending college and hope to be fully fluent in Spanish by then as bilingual workers are appreciated in almost any career type. I plan on working full-time, so after taxes and including other sources of income, I’ll be taking home roughly $1950 per month.

    Hopefully some utilities will be included, gas is generally not used in Florida and I probably won’t have time for cable, so I expect to be paying around $1700 monthly in bills, but even if absolutely nothing is covered I won’t be in the red-zone, though I won’t have as much left over as I’d like. If I’m particularly lucky, my parents may pick up some of the bills (such as leaving me on their health insurance plan, they have much cheaper rates than I would be able to get for myself), but I’m not counting on it.

    I should have at least $15,000 in savings by then (halfway there, so far) and plan on using $3,000-$5,000 of that to cover initial expenses (deposits, initial rents, furniture, moving

  26. Yaeko April 7, 2013 at 3:38 am #

    Im looking into getting an apartment and I would love to know about how much the average gas, electric, or any other bills are for your average 2 bed, one bath apartment in Sacramento, CA. Most apartments Ive seen pay for water, sewer and garbage and I know some only have electric but I would still like to know both.
    Also, feel free to tell me how much stuff like cable, internet, renters insurance, costs!

  27. Torie April 7, 2013 at 3:38 am #

    My fiance recently purchased an engagement ring for me off ebay for $250. I got it appraised through an indiviudal jewelry appraiser and it was worth $4,000. (I know an awesome deal) We were in the middle of moving (had movers helping us) and now I can’t find it anywhere. Between packing, cleaning, and everything else associated with moving, I’m not sure when the ring came off…It was about a size too big, but I didn’t want to get it re-sized just yet. I was enjoying it and didn’t want to part with it right away.

    We searched high and low and I am devastated. I’ve had it for all of 10 days and I don’t know how the insurance company will look at this. We had it insured as soon as I got it appraised, but don’t know how I should file a claim.I don’t know if the movers saw it and pocketed it (they said they did not see a ring) and I don’t know if I should file a police report.

    So, I’m wondering if the insurance will consider the price paid for it, or the worth in determing an amount to award (if any). Their jargon is awarding money based on the lesser of the the amount you need to purchase it back or the amount of the ring.

    Who is to say that we can find another deal like that? Will they really give us only $250?

    Thank you for any and all advice/comments.

  28. Scot April 7, 2013 at 6:42 am #

    I am moving into an apartment and the landlord said renters insurance is required and gave us a company who would give us a discount. Is it even legal to require tenants to have renters insurance when it’s not required by law?

  29. Reid April 7, 2013 at 10:26 am #

    Due to a business opportunity, My family and I are relocating to a different state. We found a private home that we plan on renting. What information should I look up and ask from the home owner before sending the deposit and signing the lease.
    This person is not from out of country and my in-laws that live in that state met her and viewed the property for us. This is our first time renting a house. What are your suggestions?

  30. Isaac April 7, 2013 at 10:26 am #

    Monthly. Including rent, good food, home cooking because i like to cook and eat, taxes, insurance, and any other expenses i may be forgetting. How much should i plan to have extra per month for emergencies? What hourly wages would i need to live along, realistically, working full time? Any other advice. I’m about to move out and be on my own any help you can get is gladly accepted
    thanks the first answer did a wonderful job i’ll pick it as the best as soon as it lets me

  31. Jerrold April 7, 2013 at 3:03 pm #

    How much should money would a single adult have to spend living alone. Average House note, average car note, taxes, food, insurance… How much should this all cost per year?

  32. Garland April 7, 2013 at 4:21 pm #

    I’m a teenager I’m gonna live on my own soon and I want to know how much money I need to make monthly to survive.
    I want an apartment that is $1000 a month.
    What will all my bills be?
    Food, car, phone, etc.
    What are all the things you pay for?

  33. Hans April 7, 2013 at 7:47 pm #

    I’m just asking for an average estimate. My apartment is 700 square feet and I live in Upstate New York.

  34. Lorna April 8, 2013 at 12:15 am #

    i am the mother of 3 children under 3. How much cash assistance would I get on average? And how many days do u have to go to Michigan Works?

  35. Columbus April 8, 2013 at 11:44 am #

    I need to think about how much i will need to earn when I move out. But I realized that I have no clue how to add up my budget. How can i find out about how much car insurance, renters insurance, medical insurance etc will cost, without actually inquiring with a company? Right now I am just planning and preparing, so I don’t want to be stuck talking to a salesman for hours.

    Is there anywhere to see an average of each, just to give me an idea?

  36. Kent April 9, 2013 at 3:50 am #

    I plan on moving to New York in a couple of months. I want to get a roommate or a studio apartment. Also I plan on traveling my train to cut the cost. I don’t go out, smoke or drink so that cost wont matter much. I also plan on living in the Bronx or Brooklyn. Any ideas? Thanks!!

  37. Isreal April 9, 2013 at 3:50 am #

    We have been living in this apartment now for over a year, and now they are telling us that we have to get renters insurance. We have to have at least liability, so basically if our appliances cause a fire, and burns down someone elses apartment, we are covered by insurance.

    This just seems like another monthly payment we are forced to pay. By the time my children are old they are going to be giving their entire paycheck to these FORCED payments.

    Am I being irrational?

  38. Cleotilde April 9, 2013 at 4:01 am #

    Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.
    It is two bedroom one month and I would guess it has been built in the last 10 years.

  39. Trenton April 9, 2013 at 6:57 am #

    I know you have to pay rent, car insurance, up keep on car, food, personal items, entertainment, Close…..what am i forgetting?

  40. Joyce April 9, 2013 at 8:09 am #

    Hi Everyone,

    How much should a man have saved up before he gets married? How much would an average wedding cost? I have a large family and she has too many friends.

    I have about 20k saved up and no debt, but I dont have a steady job yet. Still in college.
    How much would you say it would cost to support me and a wife in Brooklyn?


  41. Rolland April 9, 2013 at 8:51 pm #

    My friend will go study in Cleveland. Provided fellowship, I still need to pay around 10,000 dollar tuition. I didn’t calculate living expenditures. How much I need to pay here?
    BTW, anybody recommend apartment rent for students like me in Cleveland?

    I’m going to Case Western Reserve

  42. Vincent April 10, 2013 at 7:57 am #

    I’m doing this for a project and need to know asap. the project is due tuesday. since its not real i see no need to try to get a quote, Thanks for your help!

  43. Noel April 10, 2013 at 9:30 am #

    I wanted to know what is the average costs for a heavy duty bump proof deadbolt lock. One lock only. I can always multiply I will need to change all locks in the home.

    Also, if you have any recommendations to which deadbolt brand is the best. I’ve research some online already, would like to hear your thoughts, experience or advice.


  44. Terresa April 10, 2013 at 10:36 am #

    How much is renters insurance in Salem, Oregon for a five bedroom house?

  45. Marya April 10, 2013 at 10:53 am #

    hi. i am wondering what bills i would have to pay if i moved out of my parents house. i plan on living with my girlfriend in a studio or a 1 bed room apartment. we are living in the kalamazoo area planing to attend Western Michigan University. i am wondering what it would cost a month. how much would elec., gas, water, and other expenses would be.

  46. Denae April 10, 2013 at 3:22 pm #

    What is the average cost of renter’s insurance in mid-state Michigan for a 2-BR apt.

  47. Tammie April 10, 2013 at 7:18 pm #

    I need/want to know how much the average cost of utilities, such as water, electricity, gas/heating, and such will cost me a month while renting a house in order to better work out a budget. Thank you for your answers!

  48. Hollis April 10, 2013 at 8:19 pm #

    I discovered mold today behind my mothers entertainment center which is pretty valuable. As soon and I pulled out everything the whole bottom of the three pieces of the furniture were falling apart. The whole carpet is soaked as well. called the land lord and she told us that my mom should of gotten renters insurance. It’s not my mom’s fault that she has mold right? I mean there is no foundation. The apartment is pretty shitty. Also my mom is getting rental assistance and they are saying she needs a letter from our landlord to prove that she has seen the mold, does this make sense?

  49. Rima April 10, 2013 at 9:32 pm #

    Next year I am moving out into an apartment. What monthly bills will I expect to pay and on average, how much will each of them cost? I have been saving to move out for 3 years now and I just want to make sure I am ready.

  50. Vida April 11, 2013 at 4:13 am #

    Groceries, auto insurance, home insurance, life insurance, gas, renter’s insurance, health insurance, condo insurance, annuity insurance, long term care, air travel, electronics (tvs, phones, tablets, etc.), etc. on an annual basis.


    I know that there are ways to lower them all (not smoking, good credit, great student, etc.) and the all have wide ranges, but on average and/or you personally, what would you say is the order of your most expensive categories annually?
    Rent, cell phone bill, auto loan payments/car note, electric bill, water bill, gas bill, etc.

    Thanks first answer person, lol.
    How are you expected to pay so much making so little and with many places not hiring…

  51. Eveline April 11, 2013 at 5:21 am #

    I live in Seattle and I am looking for renters insurance that not only covers the basics, but the unusual such as unintentional unemployment, flood, zombie attack, whatever. Its nearly impossible to find out what’s unavailable without giving someone a phone number. Any suggestions?

  52. Julissa April 11, 2013 at 10:20 am #

    I am moving to as new 1br apartment and the building says I need renters insurance in the amount of $100,000. I have never bought renters insurance before so I need help. I would like the cheapest rate possible. I do not have car insurance so matching it with other insurance is not an option to get a lower rate. I am in Bethesda Maryland if it makes a difference.

  53. Clayton April 11, 2013 at 11:34 am #

    My boyfriend and I are thinking about renting a house…
    I know you have to pay rent but I was wondering what other bills and what sort of price range to expect…

    We worked out
    – Electricity/gas
    – Phone
    – Internet (he wants cable)
    and food…
    But how much would each cost, even a general idea would help alot…
    Have I missed any bills?

    Any responses would be greatly appreciated!
    Lol. We live in South Australia and the house we are currently looking at is in Ingle Farm.

  54. Travis April 11, 2013 at 11:34 am #

    I am a private Single Engine pilot who aspires to own an private aircraft someday. Like the majority of us, I cannot afford to buy my own aircraft, let alone the cost of up-keep, annuals, tiedown fees, etc. Ultralights are affordable, but not practical for decent cross countries. New LSA, forget it, too expensive. Homebuilts are very appealing, but I want to fly now, not 10 years from now. A lot of used homebuilts seem to cost way too much. I live on a active duty military E-5 pay, so I live and fly cheap. I rent at the flying clubs convenience, which is not always convenient!
    I know that occasionally people slip and cannot afford their aircraft. I know repo’s happen. Would a bank repossesses aircraft be cheaper to purchase? What sources can I use to locate one? Is there a decent website, Newsletters, or point of contact I can utilize?

  55. Cristobal April 19, 2013 at 9:32 pm #

    I have a mobile home w. no foundation that I want to rent out. Do I get renters insurance to cover myself? What is the best way to do this?

  56. Jennefer May 1, 2013 at 1:39 pm #

    I don’t have any loans. I will be having a auto loan soon and also I will be buying a house in near future but don’t have any money for downpayment. How do i start my plans for my future house.Thanks

  57. Eveline June 13, 2013 at 11:18 am #

    I used to live in an apartment where I had renters insurance but at the new apartment I am at I don’t have it. But what I am wondering is what happens to the old renters insurance money? Am I supposed to get it back or no? I’m just curious?

  58. Tristan July 12, 2013 at 2:28 am #

    I’m trying to figure out a budget to move out of my parents house. I have a job and a possible. I don’t want to live with anyone because ipI don’t want to have to rely on them to help with payments. I already have a quote for auto insurance renters insurance health insurance and how much my monthly phone bill would be. I’m looking at furniture (used) to get. How much for one person would groceries be and utilities? Also, what else should I look at cost wise before I move out? One more thing, what would you advise not buying used? Thank you.

  59. Melania July 12, 2013 at 4:50 pm #

    I found renters insurance for $300 but i wanted to see if there were cheaper rates. Its for a project and for the project i live in a apt in glen ellen illinois. thanks!

  60. Rosena August 3, 2013 at 9:03 pm #

    How much money does a college student spend per month on clothes, books, food, gas, bills, insurance, etc? Excluding what they actually have to pay to go to college.

  61. Mi August 16, 2013 at 9:32 am #

    Im currently finishing of my degree in the UK and have decided to get a masters unfortunately for me the only university that offers my course in the world is the university of Las Vegas. i just wanted to ask if there is anyone who currently lives in Vegas or has spent some time there, how much the average living costs for one person would be? i know that it will differ depending on the individual but i just need a broad figure. Partying and gambling probably will be on my agenda as a student however this don’t have to be included in the living costs.

    thanks very much in advance
    Please only serious answers. I’m really desperate to get my finances in order
    Thanks I know i didn’t mention any specifics but to be honest at the moment Im not quite sure what i’ll need (insurance etc) as In the UK I only pay rent, tax and household bills

  62. Carmine September 3, 2013 at 12:50 am #

    I am a first time apartment finder and I would like to know how much utilities cost for a 1 bedroom apartment with two people in Huntingdon, Pennsylvania. I would like to know the following:
    water (if not incluided)
    Hot water
    trash: if not included)
    renters insurance.
    I appreciate if someone could help. I thank whoever posts!!

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