Pennsylvania DP-3 landlord checks
- Tenant-occupied, vacant, seasonal, and short-term rental uses should be separated.
- Premises liability and fair-rental-value limits should be reviewed together.
- Ownership name should line up with the deed, lease, and policy evidence.
- Freeze exposure in Pennsylvania makes winterization, plumbing updates, and vacancy wording worth reviewing.
DP-3 review questions
| Question | Why it matters |
|---|---|
| Is the property occupied now? | A vacant or renovation property may not qualify for the same quote. |
| What rental income is being protected? | Fair rental value should be visible, not assumed. |
| Are detached structures used by tenants? | Garages, sheds, and shared areas can change the exposure. |
| What inspection evidence is ready? | Photos and maintenance records can reduce back-and-forth. |
Practical note
A Pennsylvania landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.