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Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. A renters policy protects belongings against smoke or fire damage, a wind storm, vandalism or theft, and a collection of other events.Unlike auto insurance, renters policies aren’t priced specifically by state. Even still, there are surprisingly large differences in renters pricing by state. Renters insurance prices in a given state may differ based on the number of — and value of — renters claims filed statewide, and depend on the value of the belongings being insured.
New York renters insurance is more expensive than the US average. The average annual cost of renters insurance in New York is $233, $48 more expensive than the average across America.
The best way to acquire an affordable renters insurance policy in New York is to compare rates and consider policies from as many insurers as possible. Get an idea of average renters insurance rates in New York via the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.
Renters insurance rates in New York differ based on the insurer you choose. NYCM Insurance offers the most affordable renters insurance in New York — only $70 per year. This is less than the state average cost of $233, providing a 70% discount on average policy costs statewide.
Start looking for cheap renters insurance by reviewing the cheapest New York companies, listed below.
|Company||Average 12-Month Rate in New York|
Renters insurance rates in New York vary by city. Policy pricing may depend on city-specific variables like the number of local claims filed, meaning your specific ZIP code impact how much you pay.
The most affordable renters insurance in New York is found in Irondequoit. A typical renters insurance term in Irondequoit totals just $207 each year — $118 less than the state average. The below cities have the most affordable renters insurance in New York.
|City||Average 12-Month Renters Insurance Rate|
If you’re seeking ways to save on your insurance expenditures, consider carrying your renters and auto policies with the same insurance company. Bundling renters and auto insurance in New York can lead to substantial savings on your auto insurance bill. Bundling policies in New York results in yearly savings of $54.
|Avg. Annual Auto Insurance Rate (No Bundle)||Avg. Yearly Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
One of the best ways to save on auto insurance is to bundle policies. Find a policy today!
Are you looking for renters insurance information for a particular city? Have a look at our breakdown of the biggest metropolitan areas in New York.
Yes, landlords can require renters insurance before you can sign a lease. Although there is no legal mandate that requires it in New York, and landlords generally make this a requirement at their discretion.