Murrysville, PA
Landlord insurance in Murrysville, Pennsylvania
Local rental data and insurance guidance for Murrysville property owners. A quote is not a binder.
Murrysville is home to roughly 20,729 people in Westmoreland County, and about 9% of its 8,367 occupied homes are rented rather than owner-occupied, below the Pennsylvania rate of 31%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Census snapshot: Murrysville housing
| Measure | Murrysville | Pennsylvania |
|---|---|---|
| Renter-occupied homes | 9% (712) | 31% |
| Median owner-occupied home value | $342,100 | $254,500 |
| Median gross rent | $1,587/mo | $1,209/mo |
| Median year structure built | 1979 | 1965 |
| Homes in 2–4 unit buildings | 1% | 8% |
| Single-family homes (detached or attached) | 92% | 75% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Dwelling limits for Murrysville landlords
Murrysville's median home value, roughly $342,100, gives a rough sense of what rentals here are worth; the state median is $254,500. For insurance, ask for a replacement-cost estimate on your specific building.
For context, the NAIC reported that Pennsylvania dwelling-fire policies insuring $325,000 to $349,999 averaged $635 a year in 2023, against a statewide dwelling-fire average of $539. Those are owner-occupied dwelling-form figures, not landlord quotes.
Fair rental value coverage for Murrysville units
Rents in Murrysville center on about $1,587 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $19,044 per unit at the median.
How old Murrysville's housing is, and why it matters
Housing in Murrysville is middle-aged, with a median year built of 1979. Expect questions about the electrical panel brand, water heater age, and roof replacement dates.
What Murrysville landlords typically own
About 92% of homes in Murrysville are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Murrysville versus other large Pennsylvania communities
Nearby Philadelphia reports 48% renter households and a $243,100 median home value, so proportionally more renters than Murrysville. Pittsburgh has a renter share of 52% with homes valued around $205,800 at the median. Allentown has a renter share of 57% with homes valued around $206,600 at the median. Among the 30 largest Pennsylvania cities we profile, Murrysville ranks 30 for renter share. Roughly 4% of homes in Murrysville are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Murrysville
For rentals in Murrysville, the hazards that most often shape Pennsylvania landlord coverage include basement water and sewer backup, usually excluded unless added and wind damage from summer thunderstorms and remnant tropical systems. Ask how your policy handles each, and whether any separate deductible applies.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Murrysville quote
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Murrysville and number of units
- Construction year plus the age of the roof
Request a Murrysville landlord quote
Questions from Murrysville rental owners
How many renters live in Murrysville?
About 9% of occupied homes in Murrysville, roughly 712 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Murrysville?
Not by statute. In practice, a Murrysville rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Murrysville?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Pennsylvania dwelling-fire average of $539; see our Pennsylvania page for the full table.
Other Pennsylvania cities
Landlord insurance in Pennsylvania · Cost by state
Last updated October 15, 2026. Sources and method: how we research.