Renters Insurance

Protect What You Love With New York Renters Insurance

Hamlin, Robert & Ridgeway, Ltd. works with renters from all over the Tri-state area. Located in Albany, we have experience in NYC and Capital District rentals, including Schenectady County. We even ensure tenants as far away as Binghamton. If you're looking for quality insurance at a competitive rate and you live in New York or the surrounding areas, we can help!

Fact: New York Rental Rates Are Higher Than the National Average

New York consistently ranks among the top 10 states for most expensive rental rates. You probably already know this if you rent property, but that doesn't mean insurance has to break the bank. Renters insurance is one of the most affordable policies out there, and it comes with so much protection.

On average, only 30% of renters have renters insurance. The fact is, most tenants don't take out renters insurance because they think they don't need it; this couldn't be further from the truth. While your landlord is required to have insurance on the property itself, that coverage doesn't protect your possessions. An active renters policy will cover:

Personal Property
Liability
Additional Living Expenses
Theft, Natural Disasters & Accidents

Renters Coverage Means You're Financially Protected

If a disaster leaves your rental uninhabitable, you'll get the means to pay for temporary housing while damages are cared for, which makes this coverage a significant investment. Renters are more likely to experience theft than homeowners. Renting comes with plenty of benefits, but it also has its downsides – including the fact that tenants are more likely to have their home broken into than a traditional homeowner. Hamlin, Robert & Ridgeway, Ltd. wants to ensure that you are covered.

Call us at (518) 458-7777 for a renter's insurance quote or to discuss our renter's insurance options, and experience the difference an independent agency makes.