New York renters insurance agency

Renters Insurance

Owning a Renters Policy Will Provide You With the Following Coverages:

Personal Property Protection

Personal Property Protection insures your belongings against covered loss or damage from many different threats, including those shown below, and several others listed within the policy (subject to policy terms and conditions).

- Water Damage from Plumbing, Steam or Water Heating Systems
- Wind & Hail
- Vandalism / Riot
- Fire
- Lightning
- Smoke
- Explosion
- Falling Objects

Theft

Theft Coverage can help protect your personal property against several types of loss due to theft (subject to policy terms and conditions).

- Theft on Premises
- Theft off Premises
- Stolen or Forged Checks
- Stolen Credit Cards / Counterfeit Money

Family Liability and Guest Medical Protection

Family Liability and Guest Medical Protection gives you protection against certain personal liability losses (subject to policy terms and conditions).

- Liability and Defense Costs
- Damage to Property & Property Damage Lawsuits
- Guest Medical Protection & Bodily Injury Lawsuits

You can also select Optional Coverages to Individualize Your Policy

You can design and improve your policy in order to suit your personal needs and the needs of your family members. For an additional premium, you can augment your protection for:

Jewelry, watches and fur
Theft of Silverware
Personal computers
Portable cellular communications systems

You May Save Money on Your Premium - Certain discounts are available that can help to decrease your premium.

Protective Device Discount

If you install certain protective devices, such as smoke alarms, fire extinguishers, and deadbolt locks, you may be eligible for a discount. Feel free to ask us what devices are necessary to qualify.

55 and Retired Discount

If you are 55 years of age and you are retired, you may be eligible for up to a 10% discount.