Renter's Insurance in New York


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 insure 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. In fact, renters insurance is one of the most affordable policies out there, and it comes with so much protection that it's scary when you think about what could go wrong without it.
 
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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. A strong renters policy will cover:
 
  • Personal Property
  • Liability
 
  • Additional Living Expenses
  • Theft, Natural Disasters & Accidents
 
 
Renters coverage means you're financially protected
in the event that a disaster leaves your rental uninhabitable. You'll get the means to pay for temporary housing while damages are repaired, which makes this coverage a great 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're covered in the event of a robbery, natural disaster, or accident.
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.