Whether you recently moved into a studio in Manhattan's East Village or an apartment near downtown Albany's Main Street, New York renters insurance is crucial to protecting your new space. While your landlord's renters policy will help protect the property itself, it does not provide protection for your personal belongings. Nationwide renters insurance offers the flexible coverage you need at a price that fits your budget. We even offer renters insurance discounts to help our members save more. Start a New York renters insurance quote online now and start protecting your rented space.

Is renters insurance required in New York?

No, there is no federal law that requires tenants to carry renters insurance; however, some landlords may require proof of renters insurance as part of the lease agreement.

New York renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of New York renters

Renters insurance is an essential part of being a tenant - whether you are looking for rental insurance in NYC or in beautiful upstate New York. Whether you're renting an apartment, a home or even a college dorm in NY, Nationwide has you covered.
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

Get a free New York renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your New York renters insurance quote today.

Nationwide coverage in New York

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.