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