New York renters insurance

Whether you rent a high-rise apartment on Manhattan, or rent a house in up-state New York, you could have renters insurance in New York with Liberty Mutual for as little as $5 a month.¹

Not necessarily. While it's not required by the state, some landlords and property management companies require proof of rental insurance from tenants. When you buy renters insurance with Liberty Mutual, we'll help make sure you have the right documents to show proof of coverage.

Just like any other state, if you live in New York, renters insurance protects your personal belongings from things like fire and smoke, vandalism and theft, and some natural disasters too.

It also protects you financially if a visitor to your home gets injured and takes legal action.

Let's look at some real-life examples:

• Your laptop and sofa got ruined after a plumbing failure in your New York City apartment, renters insurance could help cover the cost of replacements.
• Your belongings were destroyed in a kitchen fire at your Buffalo rental house, forcing you to leave temporarily, renters insurance could help pay for hotel expenses and lost items.
• Your jewelry was stolen during a break-in at your Rochester apartment, renters insurance could help reimburse you for the loss.

The coverages below come standard with our renters insurance policies:

• Personal Property Coverage
• Liability and Medical Payments
• Additional Living Expenses

We also offer add-on coverages for renters in New York who want more protection. These include:

• Personal Property Replacement Cost
• Blanket Jewelry
• Earthquake Damage

See all renters insurance coverage options

It's important to know that renters insurance doesn't cover you for floods. It also doesn't cover injuries or damages related to driving.

If you need car insurance, you can save money by bundling your auto and renters policies. Get a multi-policy quote for auto and renters and see how much you could save!

Find out how much you can save when you start your renters insurance quote.

View all renters insurance discounts