Plum, PA
Plum, PA landlord and rental property insurance
Local rental data and insurance guidance for Plum property owners. A quote is not a binder.
With an estimated 26,420 residents, Plum has around 2,099 renter households, about 19% of occupied housing. Statewide, Pennsylvania sits at 31%, so Plum's rental share is below the state figure.
Plum at a glance for landlords
| Measure | Plum | Pennsylvania |
|---|---|---|
| Renter-occupied homes | 19% (2,099) | 31% |
| Median owner-occupied home value | $227,600 | $254,500 |
| Median gross rent | $1,177/mo | $1,209/mo |
| Median year structure built | 1972 | 1965 |
| Homes in 2–4 unit buildings | 3% | 8% |
| Single-family homes (detached or attached) | 88% | 75% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
What home values in Plum mean for your dwelling limit
Homes in Plum carry a median value near $227,600 according to the Census, compared with $254,500 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around Plum's median, the closest NAIC benchmark is the $225,000–$249,999 band, where the 2023 Pennsylvania dwelling-fire average was $528. The all-amounts state figure was $539.
Loss-of-rents planning in Plum
Rents in Plum center on about $1,177 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $14,124 per unit at the median.
Older vs. newer rentals in Plum
The median Plum home was built around 1972. Rentals from that era may still have original panels, aging supply lines, or roofs on a second or third replacement, which are the details underwriters ask about first.
Plum's mix of rental buildings
About 88% of homes in Plum 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.
Plum next to other Pennsylvania rental cities
In Pittsburgh, 52% of occupied homes are rented and the median value is $205,800. Bethel Park has a renter share of 24% with homes valued around $273,400 at the median. Nearby Monroeville reports 31% renter households and a $209,800 median home value, so proportionally more renters than Plum. Among the 30 largest Pennsylvania cities we profile, Plum ranks 29 for renter share. Buildings with five or more units hold about 8% of Plum's homes; those generally need commercial apartment coverage rather than dwelling forms.
Plum weather exposures that affect landlord claims
For rentals in Plum, the hazards that most often shape Pennsylvania landlord coverage include winter storms and heavy snow load and basement water and sewer backup, usually excluded unless added. 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.
Getting a landlord quote in Plum
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Property location in Plum and unit count
- When the building went up and when the roof was last replaced
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Any system updates, with years
- Current insurer and any losses in five years
Plum landlord insurance questions
How many renters live in Plum?
About 19% of occupied homes in Plum, roughly 2,099 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Plum?
Pennsylvania law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
What is a typical landlord premium in Plum?
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.