Get affordable protection that fits your life

Allstate renters insurance is a reliable, cost-effective way to protect your home and items with reliable coverage from a brand you can trust.

Does New York require renters insurance?

Although New York law does not require renters insurance, your landlord may have a condition in your lease or rental agreement that requires it to protect your belongings and your living arrangements from costly repairs or replacement expenses.

What Allstate renters insurance covers in New York

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:

  • Theft
  • Fire and smoke
  • Vandalism
  • Water damage from plumbing, furnace/AC or water heater

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.

Additional renters insurance coverages for New York

Beyond the coverages in a standard renters policy, you may want to consider additional insurance coverage or policies to further protect the things you own and guard against the unexpected. For example, you may decide it makes sense to add the following types of protection:

  • Scheduled personal property coverage
    This coverage could help protect specific, appraised valuables like engagement rings, antiques, musical instruments and coin collections.
  • Personal umbrella policy
    Umbrella insurance could help protect you against large liability claims. If you're found responsible for a liability judgment that exceeds the liability limits of your renters insurance policy, a personal umbrella policy can help prevent you from paying out of pocket.
  • Identity theft restoration
    This coverage could help pay for the cost of legal fees, lost wages and other related costs if someone steals your identity.
  • Flood insurance
    Renters can purchase flood insurance to help cover the cost of replacing belongings if they are damaged by floodwater. You can purchase a government-run National Flood Insurance Program policy through an Allstate agent.

get a renters quote today

New Allstate renters insurance is redesigned to be simpler, personalized, and save you money.

How much is renters insurance in New York?

An Allstate renters policy has an average monthly premium of about $16¹. If you also insure your car with Allstate, you may be able to pay around $10* a month. Request a renters insurance quote from Allstate today.

New York renters insurance discounts

You might be able to get your renters insurance costs down even more with these renters insurance discounts offered by Allstate, available for New York residents:

  • Multi-policy discount
    Earn auto and renters insurance bundle discounts when you purchase coverage for both your vehicle and your rented home.
  • 55 and retired discount
    If you're not actively seeking full-time employment and are 55 years old or over, you can get up to 10% off your renters premium.
  • Easy, secure autopay
    Enroll in Allstate’s Easy Pay Plan® to have on-time payments withdrawn directly from your bank account.

How to compare renters insurance quotes in New York

If you're requesting renters insurance quotes from multiple insurers, it's important to choose the same coverages, limits and deductibles for each quote so you can make an accurate comparison.

  1. Choose your coverage
    Take a look at the types of coverage included in the standard policy and consider which other types of coverages you want to add.
  2. Consider your limit
    When selecting a limit, the maximum amount the insurer will pay for a covered claim, consider your personal needs.
  3. Select your deductible
    Some coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for each renters insurance quote you get.

New York renters insurance FAQs