Renters Insurance
Apartment Insurance - Tenant Insurance If you are and Apartment Renter you need a Renters Insurance Policy, period!
For all of Long Island, Suffolk, Nassau, Brooklyn, Queens, Manhattan, Staten Island, NYC and Greater New York, NY. Even though you don't own your own home you have personal property that can be lost to fires, burglaries and even lawsuits, a Tenant Insurance Policy a.k.a. a Renters Insurance Policy aka Apartment Insurance can protect you and your personal property. We provide Renters insurance for Long Island and All of New York. While most homeowners are insured for these risks, many renters are not. No one typically requires renters to buy insurance to protect their personal property, so many do not. Keep in mind that in the event of a covered loss, your condo insurance policy will provide coverage for the following: Personal PropertyCovers your belongings in the unit, these include furniture, electronic devices, clothing, books, kitchen items & supplies, bedding, decorations and small appliances. Basicially, if you were to move, the items that would come with you with some exceptions.
Liability Insurance Covers you against a suit brought against you in the event hat someone gets injured at your home or if someone in your building sustains damage to their to their property as a result of a covered loss.
Building Insurance CoverageAlso known as additions and alterations coverage. Most apartment building owners' responsibility ends "at the paint" therefore if your unit is damaged or destroyed the apartment building owner is responsible to provide you with your space back after a repair or rebuild. This coverage will cover your major kitchen appliances, your flooring, your built-ins, your bathroom upgrades, your light fixtures, molding, trim, and woodwork or anything that you may have spend money on, improving the space.
Loss of use CoverageProvides alternate living arrangements if you are displaced form your home as a result of a covered loss. Keep in mind that the average cost of a annual basic renters insurance policy is about the same as the cost of a one night stay in a New York hotel. A basic policy may provide enough coverage for at least 25 times that much.
 As an apartment renter, you need to insure not only you personal possessions in the apartment, but also any built in units such as cabinets, fixtures, appliances and shelves you have purchased. In addition to covering the personal property, a renter also needs liability coverage. The liability portion of the policy would cover injures or damage to people or property that the tenant would be liable for.
The first time most people think about property insurance is when there hear of a loss. Although renter's insurance is usually not required, it is just as necessary to have. Not only will it protect your personal items, but it will also help with temporary housing and liability protection, such as medical expenses for people on your property or a lawyer if you are sued by someone unintentionally injured by you. If the ceiling in your apartment is damaged by a storm, the ceiling is covered by your landlord. But what about your brand new stereo and TV that was damaged? Also, while the ceiling is being fixed, do you have enough money to immediately find another place to stay? These are the types of things that would be covered by your renter's insurance policy. Renters insurance can help you pay for repairing or replacing personal property that is damaged, destroyed or stolen. It may also cover most lawsuits or claims against you if you are responsible for injuring others or damaging their property. Click Here for a Renters Insurance, Apartment Insurance or Tenant Insurance Quote Castle Rock Agency currently provides Renters Insurance, Tenant Insurance, or Apartment Insurance in all of New York NY, Including Suffolk, Nassau, Queens, Brooklyn, Manhattan, NYC, Staten Island and the remainder of Greater New York.
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Renters Insurance