1. 16470 POINTS
    David Osgood
    Agent, Rural Mutual Insurance Co., Union Grove, WI
    Start by contacting a local agent, preferably one that handles homeowners insurance as they will more than likely have renters insurance available also. You will also need some information about the rental property to be able to get a proper quote. Some of the information that you will need is the age of the building, how many units are in the building, the distance of the nearest responding fire department, the distance to the nearest fire hydrant, and amount of coverage you are seeking to name a few main ones.
    Answered on October 16, 2013
  2. 1844 POINTS
    David W. Clausen
    Chief Executive Officer, Coastal Homeowners Insurance Solutions, Rocky Point, NY 11778
    I would recommend contacting your local independent agent and giving him your address. Imagine if you were to turn your apartment upside down and "shake out" all of your "stuff". How much would it cost to replace those items? You will need to give the agent a dollar amount. This will determine how much you will pay for insurance. Renters insurance is relatively inexpensive and it provides valuable protection. Remember expensive items likely jewelry, furs, firearms, money & securities are excluded from personal property. You can schedule those items if you have an appraisal. In NY if you have $25,000 of personal property with $500,000 of liability the premium will run about $225-$255 per year. Hope this helps!
    Answered on September 24, 2015
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