What renters insurance is
Renters insurance is a type of personal insurance built for people who rent their home — an apartment, a house, or a co-op unit. Your landlord's insurance covers the building itself, but it does not cover your personal belongings or your personal liability. A renters policy fills that gap.
What it typically covers
A standard renters policy generally brings three protections together: coverage for your personal belongings (such as furniture, clothing and electronics) against events like fire, theft and certain water damage; personal liability coverage if someone is injured in your home or you accidentally damage someone else's property; and loss of use, which helps with the extra cost of living elsewhere while your home is being repaired after a covered event.
Why it matters in Brooklyn
Most Brooklyn residents rent, and many landlords now ask tenants to carry renters insurance as a condition of the lease. Even when it is not required, a policy is an inexpensive way to protect everything you own and to shield yourself from liability claims.
How we help
As an independent brokerage, we compare renters policies from the carriers we work with and help you choose the coverage and limits that fit your home and your budget. Tell us what you rent and what you own, and we will walk you through your options — with personal, professional service.