Your landlord's policy covers the building, not what's inside your apartment. A renters policy picks up your belongings and your liability, usually for $15 to $20 a month. We'll quote it across our carriers, and most policies are bound the same day.
One of the most affordable policies we write, and one of the most overlooked. Here's what each piece does, in plain English.
Covers your furniture, electronics, clothing, jewelry, and other belongings if they're stolen, damaged by fire, or destroyed by a covered peril, even away from home.
Pays if a guest is injured in your apartment or you accidentally damage someone else's property. Legal defense costs are included.
Pays for a hotel and other costs if a fire or another covered loss makes your apartment uninhabitable.
Covers minor medical bills for guests injured in your unit, regardless of fault. Often that keeps a small injury from turning into a larger liability claim.
A scheduled personal property endorsement adds extra coverage for expensive items: laptops, cameras, musical instruments, and jewelry.
Many renters policies cover your belongings when they're not at home: in your car, in storage, or with you while you travel.
Answered the way we'd answer them on the phone.
Most NY renters pay between $15–$30 per month depending on coverage limits, location, and deductible. It's one of the most affordable insurance products available.
It's not legally required, but many NYC and Nassau County landlords require it as a lease condition. Either way, it's strongly recommended given how much your belongings are worth.
Yes — personal property coverage typically extends to theft from your vehicle. However, the car itself is covered under your auto policy.
Yes, but each person should have their own policy. A single policy generally only covers the named insured's belongings, not a roommate's.
Most renters policies are quoted and bound the same day. Send the basics through the quote form and a licensed NY agent will shop it across our 30+ carriers.