Renters Insurance in New York
If you rent your home or apartment, you should have a renters insurance policy to protect your belongings, furniture, and any appliances you have purchased. Many people erroneously feel that their landlord's property insurance will cover their personal items, but that is not the case. For those items to be covered by insurance, you must have a renters insurance policy in place.
Unless renters’ insurance is a stipulation in the agreement you have with your landlord or property manager, it is not required in the state of New York, but again, it is an excellent policy to have in place.
Listed below is a list of the types of coverages you will have under a renters insurance policy, according to the renter's insurance agents at Walker & Associates Insurance Agencies Inc in Wellsville or Fillmore, NY.
Personal Property Coverage
When it comes to the building your apartment is located in or the house you rent, your landlord is responsible for insuring the property itself, but it will not cover your personal property. A renters insurance policy we'll cover all of your personal belongings, such as your clothing, household items, furniture, and all of the appliances that belonged to you if a natural disaster occurs or a fire or vandalism.
If someone breaks into your house or apartment and steals items that belong to you, you can recoup some of the costs add those items to replace them through your renter's insurance policy.
Liability insurance is vital to have through your renter's insurance policy as it will help protect you and your assets if someone is injured at your home or apartment due to something that belongs to you. This type of policy will help pay for any guys associated with the person's injuries and can protect you from a lawsuit in the future.
Get a Quote Today
To work out the details of the best renter’s insurance policy for you and your situation, call upon the renter's insurance agents at Walker & Associates Insurance Agencies Inc in Wellsville or Fillmore, NY today for an appointment and quote.