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Best Renter's Insurance Companies in New York City

2023

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Website
129 West 27th Street, New York, NY 10001
  • Multiple Policy Types

Why choose this provider?

Co-Op Insurance provides a range of insurance products for tenants or house or condominium owners in New York City and nearby areas. It helps tenants understand the importance of a renters' insurance plan, which provides coverage for their personal belongings, liability protection, and additional living expenses when their rented property is damaged. It also offers condominium policies that cover losses in case of theft or natural calamities. Additionally, Co-Op Insurance serves as a division of Honig Conte Porrino, an insurance brokerage founded in 1902.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
75 Maiden Lane, New York, NY 10038
  • Multiple Policy Types

Why choose this provider?

New York City-based Gotham Brokerage Co., Inc., has been serving the insurance needs of residents of the Big Apple and the surrounding communities for over 50 years. It carries renters' insurance that covers wind damage, theft, limited water damage, personal liability, damage to property of others, and accidental fire damage. This plan also protects the clients against credit card and check forgery. Additionally, Gotham Brokerage provides homeowners insurance, co-op/condo insurance, and auto insurance. Moreover, it caters to homeowners in 15 states.

License Verified:

License: 614761

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
5.0 / 5 (31)
Google
3.8 / 5 (10)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
90 Broad Street, New York, NY 10004
  • Multiple Policy Types

Why choose this provider?

Castle Rock Capacity LLC is an insurance brokerage that serves private and commercial clients in New York City. It offers a range of risk management solutions, including homeowners' and renters' insurance, as well as health and life insurance. It also provides coverage for weddings, automobiles, and boats. Additionally, it provides extensive business policies, including technology errors and omissions coverage and terrorism insurance. Castle Rock Capacity Insurance Agency is a member of the EPIC Group of Insurance Companies. Its founders have extensive experience as underwriters.

License Verified:

License: 1419117

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (38)
Yelp
1.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
40 British American Boulevard, New York City, NY 12110
  • Multiple Policy Types

Why choose this provider?

Effective Coverage is an insurance company that serves individuals, property owners, renters, and residential tenants in New York City. The company specializes in various renters' insurance policies, which typically cover bodily injury, medical expenses, and property damage from natural disasters and malicious mischief. Its owner and CEO, Eric Narcisco, started the company with the aim to provide a quality customer experience for renters and educate them about the importance of insurance. To date, it has insured more than 600,000 people in the U.S.

License Verified:

License: 1028795

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.0
Facebook
3.0 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
50 West 23rd Street, New York, NY 10010
  • Multiple Policy Types

Why choose this provider?

Policygenius is an independent insurance broker that provides its services in New York City. Established in 2014, it considers itself as a marketplace that sells different insurance policies, including renters' insurance, from different companies. This structure allows a comparison of which policy best fits the client's needs. Its team commits to being readily available to provide assistance, and the firm also has guides and other tools written in simple English regarding different insurance products including auto, health, and wills & trusts.

License Verified:

License: 1295513

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (982)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
111 Broadway #1103, New York, NY 10006
  • Multiple Carriers

Why choose this provider?

Leo Fitzgerald & Associates Inc. has been serving individuals and businesses in New York City for over 85 years. The company consists of third-generation specialists, providing renters', homeowners', life, health, and auto insurance. Its renters' insurance policy covers the structure, personal belongings, and liability in case of a disaster. Its agents recommend insurance coverage for tornadoes, floods, and earthquakes. The company also offers general liability insurance for various businesses and contracting types, including excavation, demolition, masonry, and carpentry.

License Verified:

License: 795987

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4869 Broadway, New York, NY 10034
  • Multiple Policy Types

Why choose this provider?

Jari Santiago is an insurance agent based in New York City who set up her own State Farm office in 2014. She and her team aim to provide a variety of financial services and insurance products to individuals and businesses in the local community. They offer renters', home, and property insurance, as well as policies that provide life and health coverage. In addition, they give their clients access to investment opportunities such as annuities and mutual funds.

License Verified:

License: 1092166

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (326)
Facebook
5.0 / 5 (13)
Yelp
2.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
122 East 42nd Street, New York, NY 10168
  • Multiple Policy Types

Why choose this provider?

Insurent Lease Guaranty is based in New York City that provides rental guarantor services to its customers. It accommodates different types of renters from different levels of income, age, and credit score. With its mission to provide a stress-free experience in finding an apartment to rent, the company acts as a lease guarantor for renters. Over 725,000 apartments accept its services in different states, including New York. It also provides services to property owners and brokers.

License Verified:

License: 995588

New York State Department of Financial Services

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (171)
Facebook
4.0 / 5 (5)
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Frequently Asked Questions

  • Can two unrelated tenants in New York City share renters' insurance?

    Yes, two unrelated occupants in New York City can purchase a renters' insurance policy together. In terms of liability, insurance providers frequently consider this arrangement manageable. When both parties choose shared coverage, they have equal access to the policy's benefits. In the event of an incident, such as a fire, the insurer pays a joint claim with a single check. The renters must then agree on how to divide the funds.

  • Does a New York City landlord’s insurance policy cover a renter’s personal belongings?

    No, a landlord's insurance policy in New York City does not cover the renter's personal belongings. While it is a legal requirement for landlords to insure their properties, this only covers the building's physical structure and not the tenant's personal belongings. Renters are responsible for obtaining their own insurance to protect their belongings from potential perils such as fire or water damage.

  • What does a standard renters' insurance policy in New York City cover?

    A standard renters' insurance policy in New York City covers personal belongings, liability in the event of injury or property damage to others, and additional living expenses if the renter is forced to relocate due to significant damage from a covered peril. Optional add-ons such as home cyber protection, replacement cost coverage, and additional liability protection are available to renters.

  • What factors determine the cost of renters' insurance in New York City?

    The total value of personal belongings, the age of the building, the selected deductible amount, and the installed safety features all affect renters' insurance costs in New York City. Insurance rates may be lower for newer buildings, and the installation of safety features such as fire alarms can help to reduce costs even further. Insurance rates are typically higher when personal property values are higher and deductibles are lower.

  • Is it advisable for tenants in New York City to retain their renters' insurance when subletting their apartment?

    Yes, tenants in New York City should keep their renters' insurance when subletting their apartment. This coverage protects any personal items they leave behind and provides liability coverage in the event of injuries on the property. Having a subtenant does not always result in higher insurance costs. Tenants can lower their premiums by bundling their auto insurance coverage with their renters' insurance.

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