---
title: How to Keep Your Rental Property Safe and Your Landlord Insurance Low
description: Keep Your Rental Property Safe to Keep Insurance And Other Costs Down, Attract Better Tenants, And Avoid Unnecessary Headaches and Hassles.  Here's How.
image: https://www.aigltd.com/hubfs/Landlord-Insurance-Cost-1200.jpg
---

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# Insurance Savings and News You Can Use Join the Conversation!

## How to Keep Your Rental Property Safe and Your Landlord Insurance Low

Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Sat, Oct 21, 2023

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![Tips to Keep Landlord Insurance Costs Low in Philadelphia, Pittsburgh, Harrisburg, Erie, Lancaster, Lebanon, Reading, and throughout PA.](https://www.aigltd.com/hs-fs/hubfs/Landlord-Insurance-Cost-1200.jpg?width=1200&height=676&name=Landlord-Insurance-Cost-1200.jpg)Your rental property is a significant investment, and the right [Landlord Insurance](https://www.aigltd.com/landlord-insurance) can help protect that investment. There are steps you can take to help keep your rental property safe, thereby keeping your insurance and other costs down, attracting better tenants, and avoiding unnecessary headaches and hassles.

## **8 Tips to Keep Your Rental Property Safe**

**1. Install Fire Extinguishers**

According to the [National Fire Protection Association](https://www.nfpa.org/News-and-Research/Data-research-and-tools/US-Fire-Problem/Fire-loss-in-the-United-States) (NFPA), A fire department responds to a fire every 23 seconds in the U.S. at a cost of about $328.5 billion annually. Fire extinguishers can put out about 80% of all fires, yet less than half of Americans own a fire extinguisher. Install portable fire extinguishers in public spaces and each unit within your rental property and ensure they are easily accessible. Also, remember to [regularly inspect](https://resources.impactfireservices.com/how-often-should-fire-extinguishers-be-inspected) the fire extinguishers to ensure they are in good working order.

**2. Install Smoke Detectors**

In [Pennsylvania](https://ipropertymanagement.com/laws/pennsylvania-landlord-responsibilities), landlords are required to provide smoke unless there's a fully automated sprinkler system. Smoke alarms save lives and money. According to the [U.S. Fire Administration](https://apps.usfa.fema.gov/downloads/pdf/statistics/v1i15-508.pdf), "38% of residences had an operable alarm during a fire, but these fires accounted for only 8% of total property loss." Install smoke detectors, but also remember to inspect them regularly, and although legally it is the tenants' responsibility, consider replacing the batteries regularly.

**3. Install Flood or Moisture Detectors**

Flood or moisture detectors can alert you to small leaks before they cause damage and become more expensive repairs. And they can quickly alert you if you have a bigger problem like a burst pipe.

**4. Install Adequate Lighting**

Installing adequate lighting along walkways, entries, and public areas like hallways and lobbies can help prevent vandalism and theft. Good lighting can also minimize the risk of falls, reducing the risk of a lawsuit.

**5. Secure Doors and Windows**

Keep your tenants safe and reduce the risk of vandalism and theft by ensuring that all doors and windows are secure. Every window and door should have a lock. All individual units should have a deadbolt. Entry and exit doors should be made of steel or solid wood core. If your property is in a high-crime area, you may want to consider installing security bars on the windows.

**6. Install Security Cameras**

Security cameras have become more affordable than ever, and installing security cameras outside or in public areas can help protect your property. However, it's important to understand the laws in your area regarding the use of security cameras.

**7. Screen Your Tenants**

Screening helps ensure that you get tenants who are less likely to engage in vandalism or criminal activity or damage your property. [Experts](https://rentprep.com/blog/location-based-tenant-screening/pennsylvania-tenant-screening/) suggest having tenant screening criteria, such as no smoking, adequate income, no history of violent crimes, etc.

**8. Get the Right Landlord Insurance**

Sometimes, despite your best efforts, an injury or property damage occurs. It's best to consult an experienced insurance agent to ensure you have the right landlord insurance to protect your property. For example, did you know that if a rental unit is vacant for an extended time, you may be required to purchase Builder's Risk Insurance because the risks associated with a vacant property are different from those of an inhabited property; therefore, your regular landlord insurance policy may not cover the damage.** **

## **Do You Have the Right Insurance for Your Rental Properties?**

Landlord insurance is essential for protecting your rental property; however, you don't want to overpay for insurance coverage. The independent insurance agents at American Insuring Group compare rates and coverage from competing insurance companies to find you the right policy at the right price!

Call today at **(800) 947-1270** or **(610) 775-3848**, or [**connect with us online**](https://www.aigltd.com/contact).

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