Renters Insurance Information

Renters Insurance for Upstate, Saratoga County and the Capital District, New York

Looking for a better, cheaper Renters insurance policy in New York?

You have a lot that is important to you, from your furniture, clothes, video game systems, computers, and other electronics. You want to feel comfortable that everything that you have acquired over your life is not at risk.  Let Cote Insurance Agency get you the coverage that protects you, your family and your property.

One major benefit about renting an apartment or home versus of owning, means that a lot of the insurance needs fall on the landlord. But your landlord’s insurance will not cover everything, and renters are often punched in the gut by expenses they never saw coming. At Cote Insurance, we educate you about the different policies out there, and we will help to find you the best renters’ insurance coverage that is budget friendly.

What Does Renters Insurance Cover?

Renters’ insurance gives a lot of the same coverage as homeowners’ insurance does. The coverage usually includes:

• Personal possessions coverage: This coverage helps reimburse you for your "stuff" lost or damaged due to a disaster. Your landlord’s insurance typically will not cover your items. Without renters insurance many people who live in apartments are left in the dust.
• Liability protection: Liability protection assists in cases where bodily injury or property damage occur on the premises of your rented property.
• Additional living expenses: This  helps pay living expenses if you have to live elsewhere while the apartment building is under repair.
• Pet liability: This protects you in case your pet causes injury or property damage. Many landlords require you to carry pet liability insurance so ask them or check your lease. There are often limitations to this coverage concerning exotic animals and different dog breeds, be sure to check with your landlord about their pet policy and let us know what kind of animals you have.
  

Generally a landlord has coverage on the property that you rent. A landlord is responsible for insuring the dwelling, but their insurance won't generally protect your belongings or your liability. Renters insurance usually covers these perils: fire, smoke, windstorm, hail , vandalism, theft and some water damage such as a pipe bursting. Flood insurance is not included in renters insurance, but you can purchase separate flood insurance through Cote Agency to protect you from floods.

The right Renters Insurance at the right price.

It doesn't matter if you are just starting out, downsizing or in between homes. We will help you get the renters insurance in Albany, Saratoga, Schenectady, Warren or Washington counties that covers you and your families needs.

Be sure to ask about our many renters insurance discounts including package discounts, alarm discounts and more.

What We Can Do

Dedicated agents at Cote provide insurance to thousands of clients across the Capital District of NY. We work with over 50 of the top carriers in NY to find you the best renters’ insurance at the lowest price. Call us at 1-888-804-7115 today or visit us down the street.

Our agents are here to serve you and to ensure that you get the insurance coverage that you need at an affordable price. Whether auto, home, life, or business insurance, our agents are here for you. Contact us today or fill out an online quote now.