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Looking for renters insurance in New York? Here's how to find a cheap rate with a reliable company. Renters Insurance in New York New York renters insurance consists of three categories of coverage - personal possessions, personal liability, and additional living expenses. Personal possessions coverage - pays to replace personal possessions when they've been stolen, or damaged by fire, smoke, burst water pipes, or bad weather (not including floods). There are two types of coverage: * Actual cash value coverage replaces your possessions minus a deduction for depreciation. * Replacement cost coverage pays for the actual cost of replacing your possessions. Personal liability coverage - pays for damages done to other people, plus your legal fees. when you're found to be at fault. This also covers your family and your pets. Additional living expenses - pays for your living expenses, such as hotel, motel, and restaurant bills, when you're residence has been damaged and is being repaired. Cheap Renters Insurance in New York In order to get cheap renters insurance in New York you need to comparison shop. You can spend hours on the phone talking with local insurance agents, you can spend hours online getting rates from single-company websites, or your can spend a few minutes at an insurance comparison website. At an insurance comparison site you spend a couple of minutes filling out a simple questionnaire which includes the amount of insurance you want, then you wait to get quotes from a number of A-rated companies. It's quick, it's easy, and it's free. Some sites even offer an "Articles" section where you can get money-saving tips, and an online chat feature where you can get answers to your insurance questions from an insurance expert. (See link below.) Visit http://www.LowerRateQuotes.com/renters-insurance.html or click on the following link to get New York renters insurance quotes from top-rated insurance companies and see how much you can save. You can get more insurance tips in their Articles section. The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on getting renters insurance in New York.
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