Your New York policy could protect you and your family’s belongings and help to cover personal liability costs from a wide range risks, including:

The following coverages are typically part of a standard New York renters insurance policy:

Personal property coverage
Could help reimburse you if your personal belongings are stolen or destroyed by a fire or other covered peril. It helps cover things like clothing, furniture, your laptop and other electronics –though you may want to opt for scheduled personal property coverage for especially expensive items and collections.
Reimbursed living expenses
Helps pay for your increased living costs if a covered loss makes your rented apartment or home uninhabitable. Those expenses typically include things like food and a temporary place to live.
Liability protection
Could help pay for legal expenses, medical bills and other damages if someone gets injured at your place and sues you.
Guest medical coverage
Could help pay for reasonable and necessary medical expenses, like the cost of X-rays or an ambulance if a guest is injured in or around your place, even if you're not at fault.