Renters insurance — fast, cheap, lease-compliant.
Renters insurance from Kelly Qu Agency is an Allstate tenant policy starting around $15/month that covers your personal property, your liability inside the apartment, and your additional living expenses if the unit becomes uninhabitable. We issue same-day certificates of insurance to your landlord.
What's included
- Personal property: theft, fire, vandalism, water damage from plumbing
- Liability: guest injury in your unit, dog bite, water damage to the unit below — the big one in NYC
- Loss of use: hotel, meals, laundry if you can't live there during a covered loss
- Medical payments to others: $1K–$5K of no-fault coverage for minor guest injuries
What renters insurance does NOT cover
- Flood from outside the building (need a separate NFIP or private flood policy)
- Earthquakes
- Roommate's belongings if they're on a separate lease
- Damage to the building itself (that's the landlord's policy)
Frequently asked questions
How much does renters insurance cost in NYC? +
Does my landlord's insurance cover my stuff? +
Is renters insurance required by my lease? +
Are roommates covered on one policy? +
What about rent-stabilized tenants? +
Renters reading, from the Notebook.
NYC renters insurance under $20/month: what to keep, what to skip
Most NYC renters policies can land between $12 and $20 a month if liability, ACV vs replacement, and water-backup are sized correctly. Here's the honest breakdown.
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Guía clara del seguro de inquilino en Nueva York: qué cubre, qué piden los caseros y por qué cuesta menos de lo que piensas. En español, sin letra chica.
Sewer backup in NYC: what HO-3 and HO-6 exclude (and the $30 fix)
Standard NYC home and condo policies exclude sewer backup and drain overflow. Here's what that gap costs in older plumbing — and the cheap endorsement that closes it.
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