How can I get a cheaper NYC renters insurance quote?

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Asked June 12, 2013

1 Answer

Renters insurance is available from most insurers who offer homeowners coverage. In fact, renters insurance is nothing more than a stripped-down form of homeowners coverage designed to cover liability and personal property, but not the dwelling or other structures. The real concern, in this case, is not to find renters insurance, but to save as much as you can on the policy.

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Start with renters insurance quotes. You can get a quote at this website by filling in a simple form that will only require a few minutes of your time. There is no obligation to buy the coverage after you get a quote, but it will help you determine what the costs will be and allow you to see the quote compared with quotes from several companies in a single location.

Another way to save on renters insurance is to live in a home with theft deterrent systems. This could be as simple as a fence around your yard, burglar bars on the ground floor doors and windows, or installing professional deadbolt locks. You will get the best single discount of this type if you have a remotely monitored alarm system installed, and combining all of these tips will give you even more.

Your Comprehensive Loss Underwriting Exchange, or CLUE, report will also play a part in setting your premiums. If you have filed several insurance claims of any type over the past few years, your rates will be higher than if you have not filed any claims at all.

Finally, look at the deductible for your renters insurance plan. If you can afford to pay a higher deductible, you can lower your premiums. Insurance companies see a higher deductible as the insured taking more responsibility for their own property and reward those people with lower premiums based on that the insurance company has to pay less of the cost of a settlement. Combined with other discounts, raising your deductible can add to big savings in the long run.

Answered June 12, 2013 by Anonymous

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