If you rent your home or apartment, you need to understand this: your landlord’s insurance covers your landlord, not you and you’ll need renters insurance NY. If you want your possessions to be protected against things like fire, theft, vandalism or any kind of total loss, you need renter’s insurance. Nearly two-thirds of the 81 million people who rent their homes are uninsured. Their possessions are not protected. They have no liability protection.
Chances are, if you are reading this, you are in that two-thirds category waiting to become a statistic. Renters insurance NY is a solution to this problem, and it will give you a decided advantage should you suffer any kind of loss or incur any liability. Not only that, it will also help you pay for temporary housing should your space become uninhabitable.
Don’t think that you will never have issues with liability if you rent. Your landlord’s insurance will not cover you in any circumstance where you are liable for personal injury to another person or damage to someone else’s property. If it occurs within your rented space, chances are YOU will be held liable and without renters insurance that can become a financial nightmare. A renters insurance policy can eliminate those problems by adequately protecting you against any claim of liability against you.
Think about all the things you own and what they would cost to replace. Imagine having to replace it all on your own after a total loss. If your house or apartment building burned down tomorrow, would you be prepared? Where would you go? How would you pay just to replace your clothes much less expensive furniture, electronics and appliances? Call Colstan & Associates or submit the form below for a free, no-obligation quote for a renters insurance policy that will cover all these things.
In fact, it can cover virtually ALL of your personal possessions. Most policies will cover all or most of the following:
* Sports Equipment (including firearms)
* Cameras and photography equipment
* Furniture, dishes, crystal and silverware
* Computers and Electronics
* Clothing, jewelry and furs
* Small vehicles and watercraft
* Personal property protection
* Family liability protection
* Guest medical protection
* Additional living expenses
* Additional protections (depending on policy limits)