Williamsport, PA
Williamsport, PA landlord and rental property insurance
What Williamsport landlords should know before insuring a rental. A quote is not a binder.
With an estimated 27,628 residents, Williamsport has around 6,451 renter households, about 57% of occupied housing. Statewide, Pennsylvania sits at 31%, so Williamsport's rental share is above the state figure.
Census snapshot: Williamsport housing
| Measure | Williamsport | Pennsylvania |
|---|---|---|
| Renter-occupied homes | 57% (6,451) | 31% |
| Median owner-occupied home value | $154,300 | $254,500 |
| Median gross rent | $855/mo | $1,209/mo |
| Median year structure built | 1938 | 1965 |
| Homes in 2–4 unit buildings | 18% | 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).
Dwelling limits for Williamsport landlords
Williamsport's median home value, roughly $154,300, 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 $150,000 to $199,999 averaged $545 a year in 2023, against a statewide dwelling-fire average of $539. Those are owner-occupied dwelling-form figures, not landlord quotes.
Loss-of-rents planning in Williamsport
Median gross rent in Williamsport is about $855 a month. A year of lost rent at that level is roughly $10,260 per unit, a useful yardstick when you choose fair rental value coverage.
Building age and underwriting in Williamsport
Half of Williamsport'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 Williamsport
Small multi-family buildings are a real part of Williamsport's housing at roughly 18% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
Comparing Williamsport to neighboring cities
Nearby Philadelphia reports 48% renter households and a $243,100 median home value, so proportionally fewer renters than Williamsport. For comparison, Pittsburgh comes in at 52% rented and $205,800 median value, with median rent of $1,261. Allentown has a renter share of 57% with homes valued around $206,600 at the median. Among the 30 largest Pennsylvania cities we profile, Williamsport ranks 8 for renter share. Roughly 23% of homes in Williamsport are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Williamsport weather exposures that affect landlord claims
In Williamsport, think about wind damage from summer thunderstorms and remnant tropical systems first, then frozen and burst pipes in older housing. Both appear frequently in Pennsylvania property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Requesting coverage for a Williamsport rental
- Street address in Williamsport and number of units
- Year built and roof age
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Dates of wiring, plumbing, and HVAC upgrades
- Prior carrier, expiration date, and five-year loss history
- Mortgage company details, if financed
- How much liability and lost rent you want covered
Request a Williamsport landlord quote
Williamsport landlord insurance questions
What share of Williamsport homes are rentals?
About 57% of occupied homes in Williamsport, roughly 6,451 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Williamsport?
No Pennsylvania law mandates it for Williamsport owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Williamsport?
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 Williamsport
Landlord insurance in Pennsylvania · Cost by state
Last updated October 15, 2026. Sources and method: how we research.