| Looking for renters insurance in New York? | | | | |
| Here's how to find a cheap rate with a | | | | Additional living expenses - pays for your |
| reliable company. | | | | living expenses, such as hotel, motel, and |
| | | | restaurant bills, when you're residence has |
| Renters Insurance in New York | | | | been damaged and is being repaired. |
| | | | |
| New York renters insurance consists of three | | | | Cheap Renters Insurance in New York |
| categories of coverage - personal | | | | |
| possessions, personal liability, and | | | | In order to get cheap renters insurance in |
| additional living expenses. | | | | New York you need to comparison shop. You can |
| | | | spend hours on the phone talking with local |
| Personal possessions coverage - pays to | | | | insurance agents, you can spend hours online |
| replace personal possessions when they've | | | | getting rates from single-company websites, |
| been stolen, or damaged by fire, smoke, burst | | | | or your can spend a few minutes at an |
| water pipes, or bad weather (not including | | | | insurance comparison website. |
| floods). There are two types of coverage: | | | | |
| | | | At an insurance comparison site you spend a |
| * Actual cash value coverage replaces your | | | | couple of minutes filling out a simple |
| possessions minus a deduction for | | | | questionnaire which includes the amount of |
| depreciation. | | | | insurance you want, then you wait to get |
| | | | quotes from a number of A-rated companies. |
| * Replacement cost coverage pays for the | | | | It's quick, it's easy, and it's free. |
| actual cost of replacing your possessions. | | | | |
| | | | Some sites even offer an "Articles" section |
| Personal liability coverage - pays for | | | | where you can get money-saving tips, and an |
| damages done to other people, plus your legal | | | | online chat feature where you can get answers |
| fees. when you're found to be at fault. This | | | | to your insurance questions from an insurance |
| also covers your family and your pets. | | | | expert. (See link below. |