Why don’t you have renters insurance?

It’s to expensive?  Not really, it could be as low as $8 per month for a basic policy.

I don’t need it?  As long as you know your landlord has no responsibility for your belongings and will not pay for you to live somewhere else if you cannot live in your apartment.

Bad things don’t happen to me?  I hope you are right but if you aren’t why make things worse by not having renters insurance.

New Year New Insurance?

Why not?  When was the last time you changed companies?  When was the last time you actually made your agent or broker actually earn their commission.  Make them actually shop around, we are in a competitive market here in New York why not take advantage of it.

How do you start? 

Pretty simple, two steps;

  1. Start with a “baseline” of coverage that you are comfortable with having in place.
  2. Talk to 3-5 companies to see where your rate compares.

That’s it.  Worst case scenario you feel really good about your rate.  Best case you save some money and maybe find a better agent.