--- title: 5 Ways to Save on Landlord Insurance description: Quick tips to save on landlord insurance. Cut public liability insurance costs with our 5 easy steps. Reading PA, Berks County, Allentown, Lancaster. image: https://www.aigltd.com/hs-fs/file-16763961-jpg/images/commercial-property-insurance-b-550.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## 5 Ways to Save on Landlord Insurance Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Tue, Dec 18, 2012 - [Tweet](https://twitter.com/share) As a landlord, obtaining the right level of public liability insurance coverage is important for your peace of mind and your bottom line, especially when you experience a large claim against your landlord insurance. ## ***![Tips to save on landlord insurance, public liability insurance. Berks County, Reading PA, Philadelphia, Harrisburg, Pittsburgh, Allentown, Erie, Lebanon, York, Pennsylvania.](https://www.aigltd.com/hs-fs/file-16763961-jpg/images/commercial-property-insurance-b-550.jpg?width=250&height=170&name=commercial-property-insurance-b-550.jpg)5 Easy Steps to Better Public Liability Insurance Protection & Greater Savings:*** ### **#1.  Place All Your Properties on One Landlord Insurance Policy (Public Liability Insurance Policy)** It is possible to save a considerable sum by combining all your properties under the same insurance provider.  Rather than insuring each property separately, ensure them all under a single policy with a common renewal date. As a bonus, your bookkeeping will be simplified as well. You can also phase your properties into a common **[Landlord Insurance](https://www.aigltd.com/landlord-insurance)** policy over time by moving each to the combined commercial property insurance policy as the renewal date for each individual policy comes due.  As you purchase new properties, be sure to add them to the combined policy for even greater savings.  Depending on the insurer, you may be able to group more than one type of commercial property under the same policy, such as apartments vs. shops. ### **#2. Seek Professionals as Occupants** Consider gearing your marketing efforts to appeal to professional occupants with full time employment.  Some insurers charge a higher premium for landlords of college students and others who statistically are more likely to cause property damage. By seeking occupants who are full-time professionals, you are appealing to a low-risk group with correspondingly lower landlord insurance costs. ### **#3. Insure Your Properties for the Right Amount** Property values and replacement costs are constantly in flux. Therefore, check the amount of coverage on each property periodically to be sure that it accurately reflects your true replacement cost.  If you are over-insured then your premiums will be higher than they would be for the right amount of coverage. On the other hand, if you are under-insured then you risk incurring major and lasting financial problems if your property is destroyed and you lack sufficient insurance protection to rebuild it properly. ### **#4. Add a Larger Deductible to Your Landlord Insurance Policy** By adding a larger deductible to your policy, your premiums may drop significantly. This approach amounts to self-insuring for the deductible amount. Follow these steps to determine if paying a higher deductible is likely to be a better deal: 1. Find out the annual premium cost to insure your properties with your current deductible amount vs. the cost with a higher deductible. 2. Multiply the annual savings by 5 years (or whatever period you are likely to keep the property) to estimate your total savings on landlord insurance premiums over a 5-year period. 3. Determine how many claims you would have to incur over 5 years before your savings on premiums would be consumed. If that number of claims looks unrealistically high, then it may make sense to increase your deductible and pocket the savings in premiums. ### **#5. Add a Security System to Your Commercial Properties** This is one of the most often-overlooked ways to save. Even a simple burglar alarm may save a meaningful amount on your insurance, possibly 10%. Compare the 5-year savings to the cost of the system. Chances are good that you may be money ahead by adding the system, and you and your tenants will have greater peace of mind as well.  An independent insurance agent who represents multiple companies provides the best opportunity to save by comparing quotes from competing insurers.  ### **Get Help** Do need help in finding the right landlord insurance for your commercial property? **[Contact us](https://www.aigltd.com/contact/)** today for a free, no-obligation consultation on ways you can save more while enjoying better public liability insurance protection. ![Save on public liability landlord insurance. Serving Reading, PA, Berks County, Philadelphia, Lancaster, Lebanon, York, Harrisburg, Allentown, Bethlehem, Pittsburgh, Pennsylvania, and beyond.](https://www.aigltd.com/hs-fs/file-16770988-jpg/images/learn-more-about-insurance-250.jpg) Tags: [Public Liability Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance), [Business Insurance Berks](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance-berks), [Small Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance), [Small Business Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance-reading-pa), [Commercial Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-allentown-pa), [Commercial Insurance Lancaster PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-lancaster-pa), [Commercial Insurance Harrisburg PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-harrisburg-pa), [Landlord Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance), [Public Liability Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance-reading-pa), [Public Liability Insurance Berks County](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/public-liability-insurance-berks-county), [Landlord Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance-reading-pa), [Landlord Insurance Berks County](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/landlord-insurance-berks-county), [Commercial Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance), [Commercial Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-reading-pa), [Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance), [Commercial Insurance Philadelphia PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-philadelphia-pa), [Commercial Insurance York PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-york-pa), [commercial property insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-property-insurance), [Commercial Insurance Berks County](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-berks-county) ### Why Customers Love and Trust Us! ### Subscribe to Receive Helpful Blog Posts Get the Right Coverage and Save Big with American Insuring Group!   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg?width=300&height=154&name=Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg "Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg")](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-House-Insurance-btn-300b.jpg?width=300&height=202&name=Affordable-House-Insurance-btn-300b.jpg "Affordable-House-Insurance-btn-300b.jpg")](https://www.aigltd.com/homeowners-renters-house-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Life-Insurance-btn-300-1.jpg?width=300&height=210&name=Affordable-Life-Insurance-btn-300-1.jpg "Affordable-Life-Insurance-btn-300-1.jpg")](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Health-Insurance-btn-300.jpg?width=300&height=214&name=Affordable-Health-Insurance-btn-300.jpg "Affordable-Health-Insurance-btn-300.jpg")](https://www.aigltd.com/health-insurance)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Business-Insurance-btn-300.jpg?width=300&height=235&name=Affordable-Business-Insurance-btn-300.jpg "Affordable-Business-Insurance-btn-300.jpg")](https://www.aigltd.com/commercial-insurance-small-business) ### Latest Posts ### Posts by Category - 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