Think about everything you own. If it was damaged or destroyed, could you afford to replace it all right away? (Your landlord’s policy doesn’t cover your stuff. )
If there’s major damage to your apartment or building itself, do you have money for a place to stay in the meantime? (Do you, ahem, want to stay with relatives?)
Renters insurance is a lot like homeowner’s insurance in that it protects your property if anything is stolen, damaged, or destroyed. But because you don’t have to worry about the actual building, only the contents of your home, condo, co-op, townhouse or apartment, the cost is much lower.
A typical policy covers:
- Fire and smoke
- Theft and vandalism
- Weather damage: wind, hail, lightning, snow, ice
- Falling objects
- Water leaks and damage from plumbing, appliance damage, or sprinkler systems
- Electrical surges
- Injury of a guest
You can expect your New York renters insurance policy to pay to replace all kinds of personal items, like electronics, appliances, clothes, furniture, sports equipment, as well as some jewelry and collectibles (if scheduled).
We’ve been helping renters in Sleepy Hollow, Tarrytown and throughout Westchester County, NY protect what’s important to them for 40 years. Call us today and we’ll make sure you’re good to go.