Renters Insurance

There are advantages to being a renter…

As a renter, you’ve got it pretty good: No property taxes, no lawn cutting, and no snow removal.

But what would you do if you returned from work or a vacation and all your possessions in your apartment had been destroyed by a fire? Or if there were a break-in and some of your most expensive stuff was stolen?

You may think that the building owner’s insurance would take care of all the damage caused by a fire.

It doesn’t.

Your building owner is only required to carry insurance for the structure. Usually, covering everything outside “your walls” is their responsibility, while everything inside is yours to cover.

This means all your furniture, electronics, appliances, clothing, and jewelry are uninsured unless you purchase a renters policy.

The Cost Of Replacing Your Stuff

If you’ve considered it all, you might think that the “stuff” you have accumulated isn’t worth that much. It may or may not be worth anything from a dollar amount, but that’s very different compared to how much it would cost you to replace it. Buying a new bedroom set, clothing, or a computer can cost much more than you think.

You’ll be surprised at how affordable renters insurance can be. Besides covering all your stuff, it covers you from being held liable for if someone hurts themselves while they’re in your home. So, in the unfortunate event you’re sued, and the judgment goes against you, the renters policy will cover you, up to the policy limits.

Do you need renters insurance?

According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents, or for any liability arising out of their tenancy.

First, do the math and add up how much it would cost to replace your belongings.

Second, check with the terms of your lease, and verify if carrying a renters policy is required by your landlord.

Third, request a renters insurance quote to verify just how affordable it is to protect your belongings from perils like theft, vandalism, fire, and falling objects.

What else is covered?

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items, such as computers, jewelry, furs, watercraft, and firearms, can also be covered with extended protection. Your renters insurance policy may include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses
  • Additional protection
  • Temporary housing
  • Liability protection for people on your property

Again, we encourage all renters to spend just five minutes with a calculator to add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can relax and say yes to all of the above.

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Do you need renter’s insurance?

Thought you were covered by your landlord’s insurance? Think again. You’ll need renter’s insurance to protect your belongings from incidents like theft, vandalism, and fire the minute you begin renting. According to recent estimates, nearly two-thirds of the 81 million people who rent their homes are uninsured for their contents or for any liability arising out of their tenancy. Don’t be a statistic – get covered today!

New York renters insurance assures you that you're protected against the damage or loss of personal property when you rent an apartment or house. Your landlord may have insurance that protects the physical building in which you reside, but this insurance will not cover your personal property. In fact, it's not at all uncommon for landlords to require the purchase of renters insurance prior to renting or leasing.

Not only will New York renters insurance protect your personal items, it will also give you help with temporary housing and liability protection for people on your property. NY renters insurance can help protect you in case of a liability lawsuit against you. This could occur in a situation where you are held responsible for:

  • Injury to another person
  • Damage to another person's property(whether the incident occurred within your rented residence or elsewhere)

Once you determine your need for renters insurance, knowing your options will help you choose the best policy.

What’s covered in New York Renters Insurance?

Think of the costs associated with having to replace everything you own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? When you ask yourself what renters insurance covers, you can say yes to all of the above.

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Items such as computers, jewelry, furs, watercraft, and firearms can also be covered with extended protection. Your renters insurance policy will include:

  • Personal property protection
  • Family liability protection
  • Guest medical protection
  • Additional living expenses

Get a New York Renters Insurance Quote Today!

A 2006 poll conducted by the Insurance Research Council found that only 43% of renters nationwide had insurance - don’t be left in the dark without coverage. To tailor a renters insurance policy that’s right for you today, fill out the quick and easy insurance quote form above.

A Brooks-Waterburn Corp. expert will provide you with the best possible quote in no time

Free Renters Insurance Quote