Renters insurance helps protect your belongings and liability, even when you don’t own the building. PRK Insurance Agency, Inc. makes it easy to compare options and get the right coverage at a competitive rate.
Renters insurance typically covers personal belongings, personal liability, and additional living expenses after a covered loss. Coverage depends on your policy and limits.
Many policies cover theft of personal property, including items stolen from your apartment or sometimes from your car while traveling. Limits and deductibles apply.
Some water damage may be covered if it is sudden and accidental, like a burst pipe. Flood damage is usually not covered and requires separate flood insurance.
Liability coverage helps protect you if someone is injured in your home or you accidentally damage someone else’s property. It may also help with legal costs in certain situations.
If a covered claim makes your rental unlivable, loss of use coverage can help pay for temporary housing, meals, and related expenses while repairs are completed.
The right amount depends on the value of your belongings and your risk exposure. Many renters choose enough personal property coverage to replace essentials without overpaying.
Renters insurance should be simple, affordable, and easy to understand. Since 2004, PRK Insurance Agency, Inc. has helped New York clients compare coverage options and choose protection that fits their lifestyle and budget. Based in Melville, NY, our local team provides clear guidance, fast support, and trusted service you can count on.
Get clear answers to common renters insurance questions, including what’s covered, how claims work, and how to choose the right protection for your belongings and liability.
Renters insurance typically covers personal property, liability protection, and additional living expenses after a covered loss. Coverage depends on your policy and limits.
Renters insurance is not required by law, but many landlords require proof of coverage in the lease. It’s also a smart way to protect your belongings.
Many policies cover theft of personal property. Coverage depends on your limits, deductible, and the circumstances of the loss.
No. The building is typically covered by the landlord’s insurance. Renters insurance focuses on your belongings and liability.
Some sudden and accidental water damage may be covered, such as a burst pipe. Flood damage is usually excluded and requires separate flood insurance.
No. Flood damage typically requires a separate flood insurance policy, even if you rent.
Some policies may cover a spouse or family members, but roommates usually need their own renters insurance policy unless specifically included.
Liability coverage helps protect you if someone is injured in your rental or you accidentally cause damage to someone else’s property. It may also help with legal costs.
Loss of use coverage can help pay for temporary housing and related expenses if your rental becomes unlivable due to a covered claim.
It depends on the value of your belongings and your budget. Many renters choose enough coverage to replace essentials like furniture, electronics, and clothing.
Many policies have limits for high value items. You may need additional coverage to fully protect jewelry, collectibles, or specialty equipment.
Yes. PRK Insurance Agency, Inc. helps New York renters compare coverage options and choose the right policy with clear guidance and fast support.
