Renters Insurance...

As a renter in Staten Island or anywhere else, you are just as vulnerable to lawsuits, having your personal property damaged or stolen as a homeowner.

If you would like to find out more information or simply want a quote for your renter's insurance, home insurance, mobile home insurance, flood insurance needs or any other type of insurance, simply contact our office, and we can provide you with a no obligation evaluation of your insurance needs.

 

 

Basic Renters Coverage

Our renters policy provides all of the basic coverage needed in the event of a loss.

• Contents - Coverage of your personal property from direct loss.
  
• Loss of Use - Provides living expenses in the event that you cannot live in your rental property due to a covered loss.
  
• Alterations - Coverage for improvements or installation made to your rental property due to a covered loss.
  
• Personal Liability - Covers your assets against bodily injury and property damage claims for which you are responsible.
  
• Medical Payments - Provides coverage in the event someone is unintentionally injured in your rental property.

Optional Coverage

Here are some of the most popular optional coverage that you can add-on to customize your policy to fit your needs.

• Personal Property Replacement Cost - Replaces damaged or stolen belongings at today's cost without depreciation, subject to your policy limits.
  
• Scheduled Personal Property - Increase coverage for special or valuable items such as silverware and jewelry.
  
• Home Computer Coverage - Broadens coverage for hardware and software.
  
• Personal Injury - Protects you in the event you are sued fir libel or slander.
  
• Waterbed Liability - Removes the exclusion in the basic policy for damage to other units in the event of a problem with your waterbed.
  
• Increased Limits - Broadens the coverage for certain personal belongings.

Premium Reducing Discounts

Some of the carriers we represents offer a reduction in premium without compromising your protection for the following:

• Non-smoker
  
• Multiple Policies
  
• Higher Deductibles
  
• Burglar and/or Fire Alarms
  
• Smoke Detectors
  
• Fire Extinguishers
  
• Claims-free Experience