RENTERS INSURANCE
Renters Insurance That Protects Your Space and Your Stuff
Compare renters insurance options designed to help protect your belongings, your budget, and your peace of mind.
RENTERS INSURANCE
Renters Insurance
for the place you call home
ffordable protection for your living space and personal belongings.
Or speak with a licensed insurance agent: 1-716-349-4429
RENTERS INSURANCE
Renters Insurance for the place you call home
Affordable protection for your living space and personal belongings.
Renters Insurance Coverage Options
Renters insurance can help protect your belongings, finances, and living arrangements when the unexpected happens. Explore common renters insurance coverage options available to New York renters.
Personal Property Coverage
Helps protect the belongings inside your rented home
Personal property coverage may help repair or replace belongings such as furniture, clothing, electronics, appliances, and other personal items if they are stolen, damaged, or destroyed by a covered loss. Coverage is subject to your policy limits, deductible, and applicable exclusions.
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Personal Liability Coverage
Helps protect you financially from certain liability claims
Renters liability coverage may help with certain legal expenses, settlements, or judgments if you are found legally responsible for injuring someone or damaging another person's property. Coverage applies according to the terms and limits of your renters insurance policy.
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Loss of Use Coverage
Helps with certain extra expenses if you cannot stay at home
If your rented home becomes uninhabitable because of a covered loss, loss of use coverage may help pay certain additional living expenses. This can include eligible temporary housing, meals, and other increased costs while your residence is being repaired.
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Medical Payments to Others
May help with certain medical expenses for injured guests
Medical payments coverage may help pay reasonable medical expenses if a guest is accidentally injured at your residence. This coverage typically applies up to the selected policy limit and may apply regardless of fault, subject to policy terms and exclusions.
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Renters insurance coverage, availability, limits, deductibles, exclusions, eligibility, and benefits vary by insurance carrier and policy. Review your policy documents for complete coverage details.
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Renters Insurance FAQs
Find answers to common New York renters insurance questions.
What does renters insurance cover?
Renters insurance can help protect your personal belongings, provide personal liability coverage and help with additional living expenses if a covered loss makes your rental temporarily uninhabitable. Coverage depends on the policy and selected limits.
Is renters insurance required in New York?
Renters insurance is not generally required for every tenant by New York State, but a landlord may require coverage as part of a lease agreement. Even when it is not required, renters insurance can help protect your belongings and personal liability.
How much does renters insurance cost in New York?
Renters insurance costs can vary based on your location, coverage limits, deductible, personal property value, claims history and other factors. Comparing coverage options can help you find a policy that fits your needs and budget.
Does my landlord's insurance cover my belongings?
Generally, no. Your landlord's insurance protects the building, but it does not typically insure your furniture, clothing, electronics and other personal belongings. Renters insurance is designed to help protect your personal property from covered losses.
Does renters insurance cover theft?
Renters insurance may help replace personal belongings stolen in a covered theft, subject to your deductible, coverage limits and policy terms. Some policies may also provide coverage for belongings stolen away from your rental.
Does renters insurance cover water damage?
Renters insurance may cover personal property damaged by certain sudden and accidental water losses, depending on the cause and policy terms. Standard renters insurance generally does not cover flooding, which requires separate flood coverage.
Does renters insurance include liability coverage?
Renters insurance commonly includes personal liability coverage that may help if you are legally responsible for certain injuries to others or damage to their property. Coverage is subject to policy limits, terms and exclusions.
Can renters insurance cover high-value items?
Renters insurance can cover personal belongings, but certain high-value items such as jewelry, collectibles or other valuables may have special coverage limits. Additional coverage may be available to provide greater protection for eligible items.
