New York Renters Insurance and Homeowners Insurance are policies are designed to indemnify (cover your loss) in the event of a loss to your personal property and protect you in the event you are responsible for bodily injury or property damage to others. For homeowners insurance, your policy protects your greatest asset - your home

If you purchase a condo, co-op or any home, the bank requires insurance to protect their  investment in your home. That is, to protect their mortgage. You may, however, need more insurance to cover your personal items, liability or fees that may be charged to you regarding shared areas of the building like the lobby.

• Your own insurance policy.
  This provides coverage for your personal possessions, structural improvements to your apartment and additional living expenses if you are the victim of fire, theft or other disaster listed in your policy. You also get liability protection.

• A "master policy" provided by the condo/co-op board.
  This covers the common areas you share with others in your building like the roof, basement, elevator, boiler and walkways for both liability and physical damage.

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New York Renters
You might think you don't need Renter's Insurance if you rent. We recommend it.  Add up the cost of your personal property and other items you own around you. Can you afford to replace everything in the event of a fire or burglary?  
New York Renter's Insurance is relatively inexpensive. The average cost of renter's insurance in New York is approximately $16 a month for around $30,000 worth of property coverage and $100,000 worth of liability coverage. 

Rates vary depending on coverage and your location in New York, your building and the amount you want to cover. 

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