From a few dollars a month. Personal property, liability and loss-of-use — written same-day for lease deadlines and additional-insured filings to landlords.
We compare these line by line across the panel — not just the bottom-line premium.
Your stuff. Replacement cost, not actual cash value. Schedule jewelry, electronics, bikes if needed.
Damage to the unit, the unit below, the building. $300K standard, $500K when a landlord requires.
Hotel + food if your unit is uninhabitable from a covered loss. Usually 20–40% of contents limit.
A short list of the situations we write most. If you're not on the list, ask anyway — we shop the panel either way.
Specific to this line. Personal & commercial panels overlap but aren't identical.
If yours isn't here, call. Estefani picks up.
Liability matters more than contents. One leak through a floor can mean a $20K claim from the unit below. Renters coverage runs $150–$300/year and includes that liability.
Same business day for most carriers. Send the lease, ID and the landlord's additional-insured info — we email the binder directly to your landlord.
Standard contents have sub-limits ($1,500 for jewelry, $2,500 for electronics, etc.). High-value items get scheduled separately — fixed-cost endorsement, no deductible on most schedules.
Only if they're named on the policy. Two roommates = either one combined policy with both named, or two separate policies. We usually recommend two — claims get cleaner.
Independent. Bilingual. Bronx-based. We shop ten carriers so you don't have to. Hablamos español.
10 Carriers · 7 Lines · Bilingual
