Renters Insurance in New York
A renters policy insures your belongings and your personal liability. It's generally not necessary for a tenant to insure the building, since that's typically the owner's responsibility. Flood isn't covered under a basic renters policy. John Lepore Agency serves renters in Rockland and Putnam Counties. Call 855-945-1900 or send your current policy for a rate.
What does renters insurance cover?
What doesn't renters insurance cover?
Median rent in Rockland and Putnam Counties
Source: U.S. Census QuickFacts, 2020 to 2024.
New York renters insurance questions
Do renters need to insure the building?
Generally not. That's typically the building owner's responsibility.
Does renters insurance cover flood?
No. Flood isn't covered under a basic renters policy.
Can an umbrella policy sit on top of renters insurance?
It can. New York's Department of Financial Services says umbrella policies can provide coverage above homeowners or renters limits, and insurers may require minimum limits. Personal umbrella insurance in New York
Have your current renters policy? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.