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Renters Insurance

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Renters Insurance Quotes for New York
  • Get Renters insurance quotes from multiple carriers.
  • Choose if you would like to get your policy through your email,
    over the phone or in person.
  • Receive excellent customer service.

FOR A FREE RENTERS INSURANCE QUOTE
click below or give us a call at: 716-823-9435

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Renters insurance acts as a homeowners insurance policy for those who rent their place of residence. Whether you live in an apartment, a house, town home or condo renters insurance can protect you and your assets.

Do not make the mistake of assuming your landlords homeowners insurance will cover you and your assets. A landlord's policy covers only the physical structure of the rental property, not your belongings. Renters Insurance also covers your liability to others for things such as dog bites, etc.

Don't make the mistake of thinking you are invincible; break-ins and thefts happen at apartments, townhomes, and condos all too frequently and you need to cover your belongings. Contact Potwora Insurance Agency West today for more information and get a free Buffalo renters insurance quote today!

 Things to consider before purchasing rental insurance:

  • How Much Coverage? – The amount of renters insurance you choose will have the biggest impact
    on price of coverage. It is important to insure against all of your property. Remember, you're not just
    insuring against theft. In the case of a fire, for example, you could lose everything. 
  • Deductible – The amount of the deductible premium that you're willing to pay will have a major
    impact on the premium costs. The higher the deductible, the lower the cost of home renters
    insurance. 
  • Actual Cash Value (ACV) – Type of coverage that will pay for what the item was actually worth at
    the time of loss.  This basic coverage payout is determined by the cost to replace, minus              
    depreciation.
  • Replacement Cost – Type of coverage that will provide for the actual
    replacement value of the item with no deduction for depreciation. Although
    replacement cost coverage comes at an additional premium, it's usually
    worth the relatively small increase in cost.

Here are a few ways to save on renters insurance. Many insurers will offer
discounts, if you have some of the following:

  •  Monitored fire or burglar alarms 
  • Fire extinguishers 
  • Sprinkler systems 
  • Dead bolts on all exterior doors 
  • Auto insurance with that provider