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Renters Insurance

On move-in day, two children run through a new CNY rental unit while their parents carry boxes behind them.Personal InsuranceRenters Insurance

Landlords, Avoid Liability Issues and Promote Tenant Safety by Requiring Renters Insurance

If you’re a property owner with one or multiple rental units, you’re in a unique business position filled with potential risks. As a landlord, it’s crucial to prioritize your tenant’s safety and protect yourself from possible legal implications. One way to accomplish this is by requiring tenants to purchase renters insurance. Over the years, we’ve seen many property owners face mounting difficulty and litigation arising from landlord-tenant relationships lacking the buffer of a renters policy. We want you to avoid this painful experience by being fully prepared for an array of possible mishaps. That’s why we wrote this article. In…
Erie Insurance is the best-in-class carrier for renters insurance in Central New York.Personal InsuranceRenters Insurance

Erie Insurance: The Regional Carrier Leading the Way in Renters Insurance

Unless you’re in the business or are facing an immediate crisis, insurance isn’t something you give much thought to. And when we niche down to personal lines, a Renters Policy doesn’t even make the list for many Central New Yorkers. Some who do consider renters insurance believe that those policies are created equal. That myth is perpetuated by rental property managers who direct tenants to a preferred insurer which often leads to inferior but expensive coverage for the renters. Our agency has written hundreds of renters policies for CNY residents through various carriers over the years, and we have found…
March 27, 2023
Young female renter holding the key to her new CNY apartment.Personal InsuranceRenters Insurance

Why Young Renters in CNY Need Renters Insurance

You’ve made it to independence, which means holding a shiny set of keys to your first apartment. The kitchen is all yours, even if you don’t plan on using it much. And the days of waiting in line for the bathroom are over. You’ve also got more rooms than you know what to do with, and you’ll need more stuff to make the echoes go away. When you’ve completed your buying spree, add one more necessary item to the list. But Why Do I Need Renters Insurance? I’m glad you asked. Here’s the thing. In a perfect world, nothing ever…
December 8, 2022
Blog Post - Do I Need Renters InsurancePersonal InsuranceRenters Insurance

Do I Really Need Renter’s Insurance?

No one ever wants to pay more bills than they have to, but one bill if you are a renter you should welcome is a renters insurance policy. The most significant benefit is that if you have a policy with the same insurance carrier as your car insurance, the multi-policy discounts you receive may make your renter's policy seem free. The average in New York is $142, or about $12 per month – a renters insurance policy protects more than you think. Let's look at a couple of examples. The first example is the obvious one – a fire (or…
March 31, 2022
Personal InsuranceRenters Insurance

Unmarried Couples & Insurance

Unmarried & Uninsured? As people continue to delay marriage and cohabitation rates increase, the amount of unmarried partners buying insurance will increase. However, being "unwed" while living together can cost you money or protection from an insurance perspective. When married couples are on the same policy there are more discounts . Not to mention improved tiering, consolidated billing, plus other benefits. This is changing rapidly and now many unmarried couples can buy insurance at a competitive rate compared to married couples. Caution... However, there are some nuances to be aware of especially if you decide to move in with your…
December 6, 2019