Running a short-term rental in Pennsylvania opens doors to steady income, but it also exposes you to risks that standard homeowners insurance won’t cover. Your regular policy explicitly excludes commercial activity like guest rentals, leaving you vulnerable to liability claims and property damage costs.

At Eric L. Ash Insurance Agency, we’ve seen hosts face unexpected gaps in coverage that cost them thousands. The right short-term rental insurance fills those gaps and protects both your property and your income stream.

What Your Short-Term Rental Insurance Actually Protects

Liability Protection Shields You From Guest-Related Claims

Liability protection defends you when a guest suffers an injury on your property or causes damage to someone else’s belongings. Most policies offer $1 million in coverage per occurrence, with standard limits including $2 million aggregate, which matters because a single slip-and-fall claim or a guest’s visitor injured in your hot tub can easily exceed $100,000 in medical costs and legal fees. This coverage pays for medical expenses, legal defense, and settlement costs that would otherwise come directly from your pocket.

Without it, you face personal financial exposure that can devastate your rental income and personal assets.

Property Damage Coverage Protects Your Physical Investment

Property damage and loss coverage reimburses you for damage to your furnishings, appliances, and structural elements caused by covered perils like water damage from burst pipes, fire, storms, and vandalism. Water damage from broken pipes and appliance leaks represents the most expensive type of property damage for rental properties, so this coverage directly protects your largest investment. The valuation method matters significantly-replacement cost value policies pay what repairs actually cost, while actual cash value policies deduct depreciation and leave you short. You should always select replacement cost value coverage to avoid substantial out-of-pocket expenses when damage occurs.

Loss of Rent Coverage Maintains Your Cash Flow

Additional living expenses coverage, sometimes called loss of rent, reimburses you for lost rental income when a covered claim makes your property uninhabitable. If a fire forces you to close for three months, this coverage pays the income you would have earned during that period, protecting your cash flow when you need it most. Loss of rent coverage typically pays actual rental income lost with no time limit up to your chosen amount, which differs from homeowners policies that cover temporary living expenses only. This distinction proves critical for hosts who depend on rental income to cover mortgage payments or property expenses.

Tailoring Coverage to Match Your Property’s Needs

A $1 million liability limit protects you adequately for most Pennsylvania properties, though larger homes with pools or hot tubs warrant higher limits. Steadily and other Pennsylvania insurers offer these coverages for rental periods as short as one night, and policies can be tailored to include specific risks or limited coverages based on your property’s needs and your budget. The key is verifying that your chosen policy covers the specific exposures your rental creates, because gaps in coverage leave you personally liable for costs that specialized insurance would otherwise handle. An independent agent can help you assess which coverage options match your property type and guest volume.

Why Standard Homeowners Policies Exclude Rental Activity

Your homeowners insurance policy contains explicit language that excludes rental activity, and this exclusion exists for a fundamental reason: your insurer priced that policy assuming your home remains your primary residence. When you start accepting guests and collecting rental income, you fundamentally change the risk profile of the property in ways your standard homeowners policy was never designed to handle. Homeowners insurance is designed for owner-occupied properties, not for business use. This means filing a claim related to your rental operation can result in a denial, and some insurers may even cancel your policy once they discover you operate a short-term rental. The financial exposure here is real and immediate-you lose coverage precisely when you need it most.

Guest Liability Falls Outside Standard Coverage

Guest liability represents a specific blind spot in standard homeowners policies. Your regular policy covers you if a family member’s friend slips on your stairs, but it explicitly excludes injuries to paying guests and their visitors. A guest who sustains a serious injury in your rental can pursue a claim against you personally, and without proper coverage, you become personally liable for medical bills, lost wages, and pain-and-suffering damages. Standard homeowners policies also ignore the unique exposures that come with short-term rentals-damage caused by guests who treat your property differently than long-term tenants would, theft of your furnishings and amenities, or property damage from parties and gatherings.

Lost Rental Income Receives Zero Protection

Your homeowners policy provides loss of use coverage for your own temporary housing needs if your home becomes uninhabitable, but it provides zero protection for lost rental income. If a fire makes your property unrentable for two months, your homeowners policy covers your hotel costs while you find alternative housing, but it won’t reimburse the thousands in rental income you forfeit. This gap forces you to absorb that income loss entirely from your own pocket, even though the loss resulted from a covered peril.

Specialized Insurance Closes the Coverage Gaps

Specialized short-term rental insurance closes all three gaps-it extends liability protection to guests, covers guest-related property damage and your furnishings, and replaces lost rental income when covered claims force a shutdown. Understanding these gaps helps you recognize why your current homeowners policy leaves you vulnerable, and it points directly to the solution: coverage specifically designed for the risks that short-term rental hosts actually face.

The next step involves selecting the right policy for your Pennsylvania property, which requires assessing your specific situation and comparing what different carriers offer.

Selecting the Right Coverage for Your Pennsylvania Rental

Calculate Your Property’s True Replacement Cost

Matching coverage limits to your actual property risk starts with calculating what it would cost to fully replace your furnishings, appliances, and structural improvements if a total loss occurred. A three-bedroom home in the Poconos with mid-range furnishings typically requires $75,000 to $150,000 in property coverage, while a fully equipped property with outdoor amenities like hot tubs or pools warrants $150,000 or higher. Your guest volume matters equally-properties hosting 30 guests monthly face different liability exposures than those hosting 5 guests monthly, and your coverage limits should reflect this frequency.

For liability, the industry standard of $1 million per occurrence works for most Pennsylvania rentals, but properties with pools, hot tubs, or accommodations for large groups should carry $2 million.

Set Deductibles and Loss of Rent Coverage to Match Your Financial Situation

Deductibles represent your out-of-pocket responsibility when claims occur, and selecting a $1,000 deductible saves roughly 15–20% on premiums compared to a $500 deductible, though this only makes sense if you can absorb that cost without financial strain. Loss of rent coverage should equal your average monthly rental income multiplied by the number of months you reasonably estimate your property could remain uninhabitable-if you earn $4,000 monthly and want protection for three months of closure, you need $12,000 in loss of rent coverage minimum. This calculation protects your income stream when covered events force temporary shutdowns.

Compare Quotes From Multiple Carriers With Identical Coverage Specifications

Steadily, Proper Insurance, and Erie Insurance each offer different coverage combinations and price points across Pennsylvania, so comparing quotes from multiple carriers reveals meaningful differences in both cost and what’s actually covered. Request quotes with identical coverage limits and deductibles from at least three carriers, then examine what each policy actually covers beyond the base liability and property protection-some policies include amenities coverage for bikes or kayaks while others exclude them, some cover bed bug and flea liability while others don’t, and some include squatters protection if a guest refuses to leave. Water damage from broken pipes and appliance leaks represents the most expensive property damage claim type for rental properties, so verify that your policy covers both and doesn’t impose limitations on coverage during vacancy periods. Ask each carrier whether your policy covers guest personal property damage, because a guest who damages their own laptop or camera during their stay shouldn’t create liability for you, yet some policies create confusion on this point.

Understand Premium Variation Across Pennsylvania Regions

Premium costs vary substantially-a basic policy might run $600–$800 annually while comprehensive coverage with higher limits can reach $1,500–$2,500 depending on your property location, size, and guest volume. Pennsylvania regions like Philadelphia and Pittsburgh often command higher premiums than rural areas due to higher replacement costs and claim frequency, though this varies by specific neighborhood. An independent insurance agency can obtain quotes from dozens of carriers simultaneously, saving you hours of individual research and revealing options you wouldn’t find by shopping directly with insurers online.

Review Policy Documents and Identify Coverage Gaps

Before binding any policy, read the actual policy document rather than relying on marketing summaries, because exclusions buried in the fine print can eliminate coverage you thought you had. Ask your agent which perils aren’t covered-most policies exclude flood, earthquake, and acts of war, and if your property sits in a flood zone or faces other specific risks, you’ll need separate riders or policies to address those gaps.

Final Thoughts

Standard homeowners insurance leaves Pennsylvania short-term rental hosts exposed to three critical gaps: guest liability claims, property damage from rental activity, and lost income when your property becomes uninhabitable. These gaps exist because your homeowners policy was priced for owner-occupied homes, not income-generating rental operations. A single guest injury or fire that forces a three-month closure can cost you tens of thousands in medical claims, legal fees, and lost rental income that your standard policy won’t cover.

Specialized short-term rental insurance solves these gaps directly by extending liability protection to guests and their visitors, covering property damage caused by rental activity, and reimbursing lost rental income when covered claims force temporary shutdowns. The right policy matches your property’s replacement cost, reflects your guest volume, and includes coverage for the specific exposures your rental creates-whether that’s amenities like hot tubs or the risk of guest damage to your furnishings. You need to calculate your property’s true replacement cost and set liability limits that reflect your guest volume and amenities.

We at Eric L. Ash Insurance Agency work with dozens of carriers to shop multiple markets and deliver competitive rates tailored to your specific rental situation. As a veteran-owned, independent agency serving Pennsylvania, we specialize in short-term rental insurance and can help you assess your property’s actual risk profile and find coverage that protects both your investment and your income stream. Contact us today to compare quotes and close the coverage gaps that leave you vulnerable.

The information provided in this blog is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, and availability may vary. Please consult with a licensed professional for advice specific to your situation.

Construction projects face constant threats from weather, theft, and accidents. Builder risk insurance protects your investment by covering property damage and losses during the building process.

At Eric L. Ash Insurance Agency, we know that one unexpected event can derail your entire project timeline and budget. The right coverage gives you peace of mind from groundbreaking to final inspection.

What Builder Risk Insurance Actually Protects

Builder risk insurance covers three critical areas that construction projects face daily: property damage from on-site events, theft and vandalism of materials and equipment, and weather-related destruction. Comprehensive coverage addresses damage from fire, lightning, hail, explosions, and acts of nature such as hurricanes. Your policy protects the building structure itself, all materials and supplies on site, equipment in transit to the job, and materials stored at other locations before installation. Soft costs matter too-many policies cover lost rental income, loan interest, and real estate taxes when weather delays push your timeline back.

Understanding Coverage Limits and Exclusions

The key is understanding what sits outside your coverage. Builder risk excludes earthquakes, floods, wind damage in certain coastal areas, and wear and tear from normal construction activity. Defective workmanship typically falls outside protection unless your policy includes an ensuing loss provision, which covers damage to other property caused by faulty installation work. Setting your coverage limits equal to your anticipated total construction cost prevents underinsurance; data shows the average builder’s risk premium runs about $1,259 per year for small businesses, with costs typically ranging from 1% to 4% of your total completed value.

How Location Impacts Your Premium

Location matters significantly-Florida and Texas premiums run higher than Colorado due to natural disaster risk, while proximity to fire stations and flood zones directly impacts your rate. Construction materials and quality influence risk as well; fire-resistive construction receives more favorable ratings than wood-frame structures. These factors combine to shape what you’ll pay for protection across your project phases.

Protecting Materials in Transit

Many contractors overlook coverage gaps when materials move between locations. Standard builder risk policies may not cover equipment and supplies traveling from supplier to job site, which means a truck accident or theft during transport leaves you unprotected. Inland marine insurance or contractor’s tools and equipment coverage fills this gap specifically for items in motion. Carriers offer extensions for scaffolding, temporary structures, and debris removal costs after a loss, which you should evaluate during the quote process.

Timing, Coinsurance, and Inflation Adjustments

Work with an agent who inventories all exposures across your project phases-site, in transit, and off-site storage-to identify whether targeted coverage or broader protection serves your needs better. Coverage starts when contracts are signed and ends at project completion or when the building reaches occupancy, so verify these exact triggers in your policy language before materials arrive. A 100% coinsurance clause appears in most policies, requiring you to insure at least the full replacement cost to avoid penalties on claims. Inflation adjustments matter; construction costs rise throughout your project, so revisit your insured value periodically to maintain adequate protection and avoid out-of-pocket losses when you file a claim. Understanding these mechanics positions you to select a policy that actually matches your project’s real exposure.

Why Your Project Needs Builder Risk Insurance

Without builder risk insurance, a single weather event or theft costs you tens of thousands of dollars in materials, labor, and project delays. Lenders and general contractors across the industry won’t move forward without proof of coverage, making this insurance a hard requirement rather than an option. Construction projects stall when owners underestimate their exposure or delay purchasing protection. The financial stakes are real: small business contractors pay around $1,259 annually for builder risk coverage, which represents genuine protection against losses that could exceed your entire project budget. Your lender requires coverage equal to the full construction cost before you break ground, and most general contractors demand proof that subcontractors carry their own policies. This layered approach protects everyone with a financial stake in the project.

Lenders Won’t Fund Without It

Banks and construction lenders make builder risk insurance a condition of financing, period. They need assurance that if a fire destroys the framing or a storm damages the roof, the insurance payment goes toward rebuilding rather than your personal bank account. Your loan agreement specifically names the lender as loss payee, meaning they receive claim payments directly. This protects their investment in your project and ensures you complete construction even after a major loss. Missing this requirement delays your entire financing timeline, and some lenders refuse to disburse funds until you provide a certificate of insurance showing active coverage.

Contractors and Subcontractors Demand Proof

General contractors require all subcontractors to carry builder risk insurance or be added as additional insureds on the project policy. This protects the general contractor from bearing the financial burden if your materials burn, get stolen, or suffer weather damage. Many construction contracts specifically state that subcontractors must maintain coverage throughout their work phase. If you show up without proof of insurance, you lose the job or face significant delays while you arrange coverage. The contractor’s own policy may not cover damage to your specific materials and tools, so separate coverage protects your financial interest.

Timeline Delays Cost Real Money

Construction delays from uninsured losses cascade quickly. A theft of copper wiring or HVAC equipment doesn’t just cost the materials; it delays your entire timeline, pushing back the occupancy date and triggering additional costs for extended financing, storage, and labor. Builder risk policies cover soft costs arising from a delay in project completion when delays extend beyond your anticipated completion date (these provisions prevent a weather event from becoming a financial catastrophe that extends your project months beyond schedule). Without this protection, you absorb every penny of delay costs out of pocket while your lender watches your completion date slip.

Choosing the Right Coverage for Your Situation

The decision to purchase builder risk insurance isn’t whether to buy it-your lender and contractors will require it-but rather how much coverage you need and which endorsements protect your specific project. Project size, location, construction materials, and timeline all influence what you should carry. Working with an insurance agent who understands construction exposes all the gaps that standard policies leave uncovered, from materials in transit to temporary structures on your site. The next section walks you through how to select a policy that actually matches your project’s real exposure rather than settling for whatever quote arrives first.

How to Choose the Right Builder Risk Policy

Calculate Your Coverage Limit Accurately

Start with your total construction cost down to the penny, then add 10-15% for inflation and unexpected material price increases during your project timeline. This number becomes your coverage limit baseline, and underestimating it creates serious problems when you file a claim.

Coinsurance penalties hit hard: if you insure a $500,000 project for only $400,000 and suffer a $50,000 loss, your insurer calculates the claim as if you’re responsible for 20% of all losses, meaning you collect just $40,000 instead of the full $50,000. Work backward from your architect’s cost estimate and construction schedule to lock in the right limit before you purchase a policy. Your lender will demand proof that your coverage limit equals the full construction cost anyway, so this isn’t optional.

Map All Exposures Across Your Project Phases

Inventory every exposure across your project phases: materials stored on-site, equipment arriving at the job, supplies sitting at off-site warehouses, and temporary structures like scaffolding and tool sheds. Most standard builder risk policies cover on-site damage but create gaps for coverage for materials in transit or stored away from the job. If your subcontractors deliver materials directly to your site, standard coverage usually protects them. But if you stage materials at a warehouse across town before installation, you need explicit coverage for that location. Request quotes that include extensions for debris removal, temporary structures, and ensuing loss provisions that cover damage to other property caused by faulty workmanship. These endorsements cost extra but prevent expensive surprises when a covered peril damages something your base policy doesn’t mention.

Compare Quotes Side-by-Side on Coverage, Not Just Price

Obtain quotes from at least three carriers before selecting a policy, but don’t just compare the monthly premium. Compare the coverage limits, deductibles, and exclusions side-by-side because a cheaper policy often excludes perils that matter to your specific project. A $50 monthly difference across a 12-month project saves just $600, but missing coverage for theft or water damage could cost $50,000 or more. Ask each carrier explicitly whether their policy covers materials in transit, scaffolding, temporary structures, and soft costs from project delays. Document their answers in writing because verbal assurances disappear when you file a claim. Request sample policies before committing, and read the exclusions section carefully-that’s where carriers bury the gaps that will hurt you. Pay special attention to how each policy defines your anticipated completion date, since coverage ends at completion or when the building becomes occupied, whichever comes first. A policy that ends 30 days after your anticipated completion date leaves you exposed if your project runs long.

Select a Deductible That Protects Your Cash Flow

Your deductible choice directly impacts your monthly premium: a $500 deductible costs significantly less than a $1,000 deductible, which costs less than a $2,500 deductible. Try a deductible you can actually afford to pay out-of-pocket without disrupting your project cash flow, because that’s what you’ll pay before your insurance kicks in. For most construction projects, a $1,000 deductible strikes the right balance between keeping premiums manageable and retaining enough coverage to matter. If your project involves high-value equipment or materials in transit regularly, a lower deductible protects you better against frequent small losses. If you’re building a simple structure with minimal materials on-site, a higher deductible reduces your monthly costs without sacrificing meaningful protection. Never select a deductible based solely on getting the cheapest monthly payment-that penny-wise approach costs dollars when you file a claim.

Final Thoughts

Builder risk insurance protects your investment from the moment contracts are signed through final occupancy, and without it, a single weather event or theft becomes a financial catastrophe that drains your budget. Your lender demands it, your contractors require it, and your project’s success depends on having adequate coverage in place before materials arrive on site. The coverage you select today determines whether unexpected losses get absorbed by insurance or by your bank account.

Proper builder risk insurance means calculating your limits accurately, mapping every exposure across your project phases, and selecting endorsements that close gaps standard policies leave open. You need to understand your deductible choice, verify your completion date triggers, and maintain inflation adjustments as construction costs rise throughout your project. The difference between adequate protection and inadequate coverage often comes down to whether you worked with someone who understands construction or simply accepted the first quote that arrived.

Contact Eric L. Ash Insurance Agency to discuss your project’s coverage needs and get quotes from carriers with real construction expertise. We work with construction professionals across Pennsylvania to build builder risk policies that match your actual project exposure rather than settling for generic coverage. Your next step is straightforward: reach out to an insurance professional who understands construction and can inventory your specific exposures so your project stays protected from groundbreaking to completion.

The information provided in this blog is for general informational purposes only and does not constitute legal, financial, or insurance advice. Coverage options, terms, and availability may vary. Please consult with a licensed professional for advice specific to your situation.

There’s always something special about the journey.

Over a decade ago, when I started in the insurance business as a new small business owner, I was searching for ways to connect with the surrounding communities. As I explored different civic organizations — the Lions Club, Rotary Club, and local business networking groups — I realized these groups offered the opportunity to do more good, on a larger scale, than I could ever accomplish alone.

That realization led me to join the Rotary Club of Elizabeth, an organization with more than 50 years of service in our community. Rotary’s mission, “Service Above Self,” resonated deeply with me, and I quickly saw that our local club lived out that motto through projects that supported food banks, Meals on Wheels, and other local nonprofits. What drew me in most, though, was the club’s strong partnership with the Elizabeth Forward School District (EFSD).

That relationship is especially meaningful because of its impact at every level of the school district. What began with the high school Interact Club (a student version of Rotary) and the five annual Community Service Awards presented to deserving EFHS seniors has grown into so much more. Our club proudly supports the #DictionaryProject, providing every third grader in the district with their own dictionary. About eight years ago, we also launched the third-grade spelling bee, which now draws 60–70 enthusiastic participants each year.

In 2025, we’re expanding our partnership even further — working with Elizabeth Forward Middle School to support mentorship and esports programs.

Today, I’m honored to serve as Co-President of the Elizabeth Rotary Club, a role I’ve held for the past few years. If you’re looking for a way to give back and make a difference in your community, I encourage you to give Rotary a try.

We meet on the 1st and 3rd Thursdays of each month at noon at The Carriage Inn. We’d love to have you join us.

Here’s to the next decade of Rotary service — and the journey that continues to inspire us all.

When it comes to protecting what matters most — your home, your car, your business, and your family — choosing the right insurance partner makes all the difference. At the Eric L. Ash Insurance Agency, we believe there’s real value in working with a small, independent agency versus a large, corporate-style organization. Here’s why:

1. Personalized Customer Service🤝

With a smaller, independent agency, you’re not just a policy number. You’re a neighbor, client, and partner.

• Direct Access: You know who you’re calling, and we know your story.
• Responsive Support: No endless call centers or long hold times — just real people ready to help.
• Relationships First: We build long-term connections, not one-time transactions.

2. More Choices, Better Coverage🛡️

As an independent agency, we aren’t tied to a single carrier or pressured to sell one company’s products.

• We work with multiple top-rated insurance providers.
• We shop around to find the best combination of price and coverage.
• You get tailored solutions that fit your needs — not a one-size-fits-all policy.

3. Advocates, Not Salespeople📞

Large corporate organizations often prioritize volume, but we focus on your best interest.

• We act as your advocate when filing claims.
• We’re here to explain your options clearly and honestly.
• Our goal is to protect your assets, not meet a quota.

4. Local Knowledge, Community Focus🌟

Because we live and work where you do, we understand your community’s unique risks and needs.

• Whether it’s local weather patterns, regional regulations, or neighborhood-specific concerns, we have first-hand insight.
• We also invest back into the community — sponsoring events, supporting nonprofits, and being part of the fabric of where we live.

5. Consistency You Can Count On✅

With large corporate brokers, staffing changes and high turnover can leave you explaining your situation to a new representative every time you call. At the Eric L. Ash Agency, you’ll always work with a familiar, reliable team who knows your history and priorities.

The Bottom Line

Choosing a small independent agency like the Eric L. Ash Insurance Agency means choosing:

• Personalized service
• More carrier options
• Local expertise
• A true advocate when you need one most

When it comes to your peace of mind, bigger isn’t always better.

📞 Ready to experience the difference? Call us today at 412-238-7414 or visit www.ericlashagency.com to get started.

Why Every Renter Needs Insurance — Especially College Students

By the Eric L. Ash Agency

Whether you’re a young professional renting your first place or a college student moving into off‑campus housing, renters insurance is a smart and affordable way to protect what matters most. At the Eric L. Ash Agency, we believe in empowering renters with the knowledge they need to stay financially secure.

4 Key Reasons to Have Renters Insurance

Here are the top reasons renters need their own policy—landlord coverage doesn’t protect personal belongings or liability:

1. Protect Your Personal Belongings
   Items like laptops, clothing, furniture, and bikes aren’t covered by a landlord’s insurance policy. A renters policy reimburses you if they’re damaged or stolen—whether it’s from fire, theft, or vandalism.
2. Liability Coverage
   If a visitor injures themselves in your rental or you cause damage to someone else’s property, renters insurance can cover legal and medical fees. Even common scenarios—your pet biting someone, a cookout that gets out of hand—can lead to costly liability exposure without insurance.
3. Additional Living Expenses
   If your rental becomes uninhabitable after a fire or water damage, your renters policy can cover temporary housing and related expenses. That way you can focus on recovery, not unexpected hotel bills or meals out.
4. Worldwide Personal Property Coverage
   If your laptop or phone is stolen while you’re traveling, renters insurance may still cover it—though limits may apply. Always check policy details before you leave home.

Why College Students Living Off Campus Should Have It Too

College students—especially those in off-campus apartments—are often overlooked when it comes to insurance, but here’s why coverage is just as critical:

📘 Your parents’ homeowners policy may not extend
Many assume that their family’s homeowners insurance will cover them in a rental—but that policy typically doesn’t extend to off-campus housing. Without renters insurance, students are unprotected financially.

💼 Belongings are valuable and vulnerable
Laptops, textbooks, guitars—all add up. Even modest possessions can cost thousands to replace.

👥 Roommate policies bring complications
Sharing one policy may seem cost-effective, but it creates complications if roommates move out, file claims, or disagree over reimbursement. Experts recommend that roommates hold separate policies to avoid coverage gaps and disputes.

How Affordable Is Renters Insurance?

• Premiums average just $12–30/month depending on coverage limits, location, and discounts.
• That’s about $150–300/year for protection across several critical coverage areas.
• Many insurers—offer discounts for bundling with auto insurance or using smart security systems like smoke alarms or burglar alarms.

Coverage Essentials: What to Look For

✅ Ready to Protect Your Stuff and Your Wallet?

At the Eric L. Ash Agency, we specialize in helping renters—students and otherwise—get reliable, affordable coverage tailored to their lifestyle:

• We’ll walk you through policy options, including replacement cost vs. actual cash value coverage
• Help you assess deductible choices and limits
• Review available discounts, like multi‑policy savings and home-safety features
• Assist you with questions about claims, coverage exclusions, and filing procedures

Let’s Get Started

Contact the Eric L. Ash Agency today to get a customized renters insurance quote and protect your personal property and liability—without breaking the bank.

📞 Call us at 412-238-7414
📧 Email:  eric@ericlashagency.com
🌐 Visit:  www.ericlashagency.com/quote

Eric L. Ash Agency