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What is Renters insurance?

Renters insurance is for anyone renting an apartment, condo, house, etc. and is the best way to replace your belongings in case of theft or disaster. A renters insurance policy covers a broad range of losses and disasters including:

  • Theft & Vandalism

    This includes malicious mischief, theft and vandalism.

  • Liability

    This includes bodily injury, damages, legal expenses and medical expenses.

  • Extreme Weather

    This includes wind damage, freezing, lightning, hail, weight of ice and more.

  • Fire & Water Damage

    This includes fire damage, smoke damage, water damage, accidental discharge of water and overflow of water.

View All Basic Coverages >

How much does Renters insurance cost?

Contact an agent to get a quote and learn how much you could save.

Questions? Find an Agent >

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Pay a little. Protect a lot.

Whether you're moving out of your parents' house for the first time or downsizing to an apartment, renters insurance is something you'll want to add to your move-in checklist. Use it to protect yourself and your belongings in case of theft or a disaster - when you're at home or elsewhere.

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Watch our Renters Video

What does Renters insurance cover?

An affordable policy through NYCM Insurance also covers the following:

In case of theft or an emergency, we'll replace what is damaged or stolen - even if it's in your car, at the office, or with you while you're on a trip. Personal property includes electronics, clothing, appliances, and tools. You might be surprised how quickly your belongings add up!

We're there to support you when the going gets tough. If your home becomes uninhabitable due to a covered loss, renters insurance will cover expenses such as hotel/living, pet boarding, and meals.

This protects you against liability claims as a result of accidental bodily injury or property damage.

This will cover medical expenses for visitors who are injured on your property. For example, if your friend is helping you move in and accidentally trips and breaks their leg in your apartment.

How do I get Renters insurance?

At NYCM we make the process easy and personalized. Enter your zip code to find an agent near you and get a renters insurance quote.

Additional Renters insurance coverage options

Personal Property Replacement Cost

Use this to get the full value back on your damaged or stolen belongings. This includes things like your laptop, smart devices, furniture and more.

Identity Fraud
Expense Coverage

Identity theft can happen to anyone at any time. This coverage can help you if you are a victim of identity fraud.

Personal Injury

This includes coverage for things like false arrest, wrongful eviction, violation of privacy and slander.

Renters Insurance Discounts

Multipolicy Discount

Combine your auto and renter policies to save both time and money.

Alarms/Fire Extinguisher Discount

Save on the cost of insurance by equipping your home with smoke alarms, sprinklers, burglar alarms, deadbolts, locks and other protective devices.

Claim-Free Discount

Be claim-free for five consecutive years and receive a 2.5% discount.

Stay in the Know

Visit our blog for additional information on renters insurance, DIY hacks and insurance know-how: