Scranton, PA
Rental property insurance for Scranton landlords
Coverage for rental homes and 2–4 unit buildings in Scranton, with local Census housing data. A quote is not a binder.
Owners who rent out property in Scranton, Lackawanna County, are working in a market where 50% of occupied homes are rentals. The city counts about 75,905 residents; Pennsylvania as a whole has a renter share of 31%.
Census snapshot: Scranton housing
| Measure | Scranton | Pennsylvania |
|---|---|---|
| Renter-occupied homes | 50% (15,164) | 31% |
| Median owner-occupied home value | $158,100 | $254,500 |
| Median gross rent | $1,048/mo | $1,209/mo |
| Median year structure built | 1938 | 1965 |
| Homes in 2–4 unit buildings | 25% | 8% |
| Single-family homes (detached or attached) | 59% | 75% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
What home values in Scranton mean for your dwelling limit
Scranton's median home value, roughly $158,100, 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.
If your rental is insured somewhere around Scranton's median, the closest NAIC benchmark is the $150,000–$199,999 band, where the 2023 Pennsylvania dwelling-fire average was $545. The all-amounts state figure was $539.
Loss-of-rents planning in Scranton
Median gross rent in Scranton is about $1,048 a month. A year of lost rent at that level is roughly $12,576 per unit, a useful yardstick when you choose fair rental value coverage.
Construction era of Scranton rentals
Half of Scranton's housing was built before 1939. Older rentals like these draw questions about wiring, original plumbing, chimney condition, and roof layers, so keep receipts for every upgrade.
Single-family, small multi-unit, and apartments in Scranton
Small multi-family buildings are a real part of Scranton's housing at roughly 25% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
Scranton versus other large Pennsylvania communities
In Philadelphia, 48% of occupied homes are rented and the median value is $243,100. Nearby Pittsburgh reports 52% renter households and a $205,800 median home value, so proportionally more renters than Scranton. In Allentown, 57% of occupied homes are rented and the median value is $206,600. By renter share, Scranton is number 16 on our list of 30 Pennsylvania cities. Roughly 15% of homes in Scranton are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Scranton
For rentals in Scranton, the hazards that most often shape Pennsylvania landlord coverage include frozen and burst pipes in older housing and winter storms and heavy snow load. 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.
Your Scranton quote checklist
- Dates of wiring, plumbing, and HVAC upgrades
- Current insurer and any losses in five years
- Who holds the loan, for the mortgagee clause
- Liability limit and months of rent to protect
- Property location in Scranton and unit count
- When the building went up and when the roof was last replaced
- How it is occupied today, including any vacancy or short-term use
Request a Scranton landlord quote
Scranton landlord insurance questions
What share of Scranton homes are rentals?
About 50% of occupied homes in Scranton, roughly 15,164 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Scranton?
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 Scranton?
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.
More landlord pages near Scranton
Landlord insurance in Pennsylvania · Cost by state
Last updated October 15, 2026. Sources and method: how we research.