1. I don’t need renters insurance because my landlord/building owner is covered. The fact is that the landlords policy will cover only the landlord’s structural damage to the building (or house) itself, not the personal items of the tenants. The tenant is responsible for his/her own insurance if they want coverage.
2. It is out of my price range. Is $10 or $20 per month too much? In most cases in New York City you can get coverage for your possessions for as little as $120 for the entire year. Additionally, most policies will also come with coverage for liability in the event you are sued if someone slips and falls in your apartment, which could be a huge financial burden without the proper coverage in place.
3. My stuff really isn’t worth much. You might be surprised at how quickly all those books, CDs, and kitchen appliances add up. According to www.statefarm.com, most people own more than $20,000 worth of property. Additionally, although your personal items may be older, many policies will cover you for replacement cost of your items-meaning that the insurance company will replace your covered items at today’s prices, not the depreciated value of the items. This is a very valuable part of the coverage and should not be overlooked.
4. I’m in a great building and I’m not worried about security or being robbed. Many policies will extend beyond on premises theft and hazards. For example, if a suitcase or camera is stolen while vacationing, you will likely be covered. The same is true with regard to items stolen out of your car. Additionally, you are covered for “loss of use” if your apartment becomes uninhabitable due to a covered loss, such as a fire in another apartment.
To find out how much you should be saving on Renters Insurance in NYC, get a free nyc renters insurance quote today.
Tags: apartment insurance, new york city, new york city renters insurance, nyc, nyc renters insurance, Renters Insurance, renters insurance in new york city, renters insurance nyc
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