Thanks for taking a few moments to review our Bronx, NY Renters Insurance Guide. At Effective Coverage, we know that you have a number of choices for New York Renters Insurance. Advertisements with tricky fisherman, small lizards, and that guy on a roof bombard you all day long. You won’t see a TV or radio ad for Effective Coverage because we believe that’s not the right way to offer Bronx renters insurance. Residents of The Bronx are generally proud, self-sufficient people who don’t want to be told what to do. Most people who live here are the type who will either find the information they need on their own, or call an expert. We’d like to offer you the opportunity to do either, or both.
If you know what coverage you want for Bronx, NY renters insurance, you can click above, quote it online, and be covered in five minutes. Because Effective Coverage is the insurance provider, you won’t get tons of sales calls. We don’t believe you want to be harassed by fifty calls a day for the next month just because you got an insurance quote, so we don’t do that.
If you prefer to ask questions and get solid answers from experts, we’re here for that, too – just give us a call at (800)892-4308 and we’re happy to answer all your questions, walk you through determining how much coverage you need, and more. The Bronx renters insurance expert you get on the phone is exactly that – an expert, not a salesman with quotas and commissions. One of our core values is education, so we’ve structured our processes to allow for our experts to take their time with your questions. Renters insurance in The Bronx carries its own set of policy terms and covers a specific set of risks, and it’s important that you understand those things. That’s what our insurance experts are here for – feel free to ask us all the questions you want about Bronx renters insurance.
Or, if you’d rather, click above, enjoy your self-reliance, and get covered in just minutes. Either way, you get the same great coverage and you still have access to the same resources – our renters insurance experts, our renters insurance questions YouTube channel, and our FAQ.
Call (800)892-4308 or click to get covered - whether you need New York renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
Bronx, NY Renters Insurance
What Does Bronx, NY Renters Insurance Cover?
We’ve got a great resource for that if you want to skip to the meat of it: What does renters insurance cover?
There are four main types of coverage on renters insurance in The Bronx. The first one that comes to mind for most people is personal property. Personal property coverage protects the things you own from fire, theft, vandalism, and other named perils in the policy. If you prefer to have even broader coverage, you can often add “open perils” coverage to the policy, which means that any cause of loss not specifically excluded is covered. Exclusions on open perils would be things like nuclear hazards – not a terribly likely risk in The Bronx, and chances are strong that if there’s a nuclear hazard impacting your property, you probably have bigger things to worry about, like finding a fallout shelter.
Liability protects you if you cause bodily injury or property damage to someone else. Whether that’s by way of an accidental apartment fire, or because you bump into someone on the street and drop your groceries on their foot, your Bronx renters insurance liability coverage has your back. Whether they just file a claim on your policy or actually try to sue you, your policy will defend against that claim or suit so you don’t have to pay defense costs, in addition to actually paying the claim where appropriate.
Bronx, NY renters insurance liability is what’s specifically required by your landlord most of the time. They want to know you’re able to make good on any significant damages you cause to the property, or to your neighbors. Did you know that having Bronx renters insurance at your current residence makes you look like a better prospective tenant to a landlord? Landlords like responsible tenants – that’s not new to anyone, of course – but Bronx, NY renters insurance that you already have in place is an excellent way to show your level of responsibility and make the point to the landlord that you’re likely to take good care of the place and be a good resident. That’s the sort of thing they like to see, and in a competitive housing market every edge you can get is an important one.
But before you get to liability, there’s another coverage that might help. If someone is injured in your apartment or on your rented premises, medical payments to others is a coverage that takes care of small injuries suffered by guests before they become liability claims. This saves everyone time and makes the person whole, but also doesn’t require determining who is at fault. Sometimes, small injuries are no one’s fault, just one of those things that life throws at you.
Hotels in The Bronx are expensive. If your neighbor had a fire and your apartment smelled like smoke, would you want to pay for a hotel for a week while the smoke smell was cleaned from your home? Or would you prefer to have that paid for by your renters insurance as well? Bronx, NY renters insurance includes loss of use coverage, too, that will take care of those expenses after a covered loss occurs.
There are plenty of ways that a Bronx, NY renters insurance policy protects you, and the whole policy generally costs about fifteen dollars a month. Try getting pizza delivered for fifteen bucks in the Bronx, much less getting insurance!
Does It Matter Who Underwrites My Bronx Renters Insurance?
We have deep and broad relationships with a number of underwriters in order to get you the best pricing and the best coverage. Different underwriters prefer to write coverage for different kinds of risks. Depending on your location, the types of risks you want to protect against, and the type of coverage you’re looking for, you’ll find that different underwriters will offer different combinations of pricing and coverage. By working with the Bronx renters insurance experts, you get the benefit of years of experience understanding where to place a certain type of risk to get the best coverage at the right price.
If you just walk into a local storefront agency in the Bronx, you’re likely to find an agent who deals with one or two underwriters, and those are your only choices. By working with Effective Coverage, you have access to a broad spectrum of underwriters for your Bronx, NY renters insurance that will enable you to get the best pricing and the best coverage for your individual situation. Effective Coverage isn’t trying to shoehorn you into a specific program because that’s the only program available. At Effective Coverage, we customize a policy just for you to make sure it fits you perfectly, and our deep relationships with many underwriters is what enables us to give you the best service on the best policies.
Can My Landlord Require Renters Insurance In The Bronx?
Your landlord can require Bronx, NY renters insurance, and he probably should. If you were to cause damage to the building through your negligence, your liability would respond where his policy wouldn’t – the deductible – and your policy would respond when the landlord’s insurance company came looking to recoup the money they had paid out on the damage. Additionally, your Bronx renters insurance would also cover deductibles and uninsured losses of your neighbor as a result of that fire. These all can add up to thousands, tens of thousands, or hundreds of thousands of dollars that you don’t want to pay out of pocket!
How Can I Get Bronx Renters Insurance?
Just call Effective Coverage! Our Bronx, NY renters insurance experts will quickly get you covered with the right policy at the right price. It just takes a few minutes, or you can quote and buy renters insurance online by clicking above. It’s easy, it’s inexpensive, and it’s fast.
Effective Coverage works with the best in the business to bring you Bronx, NY renters insurance you can trust and backs it all up with the service you deserve. You’re just one phone call or a few mouse clicks away from giving your family the protection the need at a price you can afford.
Renting In Bronx, NY
The Bronx River divides The Bronx into two sections, a hillier section that’s closer to Manhattan and a flatter section that abuts Long Island. The Bronx is the northernmost of the five Boroughs of New York City. Located north of Manhattan and Queens, The Bronx is home to more than 1,400,000 proud Americans.
The first known settlement in The Bronx was in 1639, along the Harlem River. The Bronx is named after the first European to settle there, Jonas Bronck. Before it became a part of New York City, The Bronx was originally part of Westchester County. By the end of the 19th Century, The Bronx began a boom period after more than a century of slow development. Urban neighborhoods began to rapidly expand and factories were build ad infinitum. Inspired by Paris’s great boulevard, the Grand Concourse was completed in 1914 and by the 1920s, the Fordham Road and Grand Concourse intersection became a great center of life in The Bronx, with luxurious homes and apartment buildings, architecturally designed to impress and to proudly represent the great New York City. From the least decade of the 19th Century, this once quiet and dull suburb of New York City began a rapid expansion, especially in terms of culture. Many great landmarks were built that brough thousands of people to The Bronx, both visitors and those who intended to stay for permanent residence.
The Bronx is known for a large and ever expanding private sector of the economy, and top employers int he private sector include General Motors, Kaleida Health, and M&T Bank. With a surprisingly low unemployment rate for a borough of well over a million people, finding a job shouldn’t be a problem, especially with new jobs constantly being created in the private sector.
Once you find a job in The Bronx, you’ll need housing, of course. The estimated median home value is about $357,000, slightly less expensive than in Queens and well into the realm of “affordable,” as housing in NYC goes. The median rent is just $1,400, which is just over half of the NYC median rent and an incredible value. One of the most affordable neighborhoods in The Bronx is Riverdale. With a feel more like suburban Westchester County than something you’d expect in the City itself, you’ll find plenty of green space and very affordable housing. You’re also just a few minutes away from Manhattan on the Metro North, which makes commuting easy and stress-free.
While it can be difficult to find a quiet, peaceful place in this borough of more than a million people, the New York Botanical Garden in The Bronx is called an “oasis in the city.” With the Bronx River going through it, New York Botanical Garden ahs over 250 acres containing more than 50 different gardens and collections of rare plants. Well maintained with quiet paths for watching chirping birds and casual dining in two different restaurants with varied menus, this is a great way to spend a day, or more. The New York Botanical Garden offers different events for each season. Cherry blossoms and daffodils are celebrated in the spring, there’s a winter train exhibit, and annual orchid festivals are popular both with those who obsess over their perfect orchids and those who think they’re pretty but can’t manage to keep one alive to save their own life. Many other seasonal exhibits draw visitors, as well.
Waterfalls are a rare thing indeed to see in an urban area, but right here in New York City, The Bronx River offers a waterfall surrounded by a pine forest. It’s great for hikers and nature enthusiasts, and just one more reason to call The Bronx home, even if you don’t see yourself as a “city person.” In The Bronx, there is a place for everyone, whether you’re a Yankees fan, or just a baseball fan (but be careful who you tell you’re not a Yankees fan!) Yankee Stadium is impressive, with friendly staff and a great atmosphere.
For those who prefer the arts, the Bronx Museum of Arts is the best place to go. Dedicated to African, Asian, and Latin American contemporary art, the Bronx Museum of ARts is the only place where you can find Kara Walker, Carrie Mae Weems, and Lorna Simpson in the same place, hung together accessible to all and sundry. Sometimes there are thought-provoking exhibitions with informal tour guides, or even tours led by the friendly artists themselves. The Museum offers a refreshing change from other art museums that are dedicated to one narrowly defined period of art or a very limited number of artists.
After this refreshing experience, you may find yourself hungry. City Island offers a great variety of restaurants. Consistently ranked as one of the best places in New York to dine, there is a romantic Italian place, Don Coquis for Spanish food, and for a smaller budget there’s always Seafood City. At City Island, boat rental is available for sailing and cruising, or you can just grab a pina colada (or two, if you ask a certain country singer) and enjoy time outdoors by the waterfront.
For those who prefer being outdoors instead of being cooped up indoors, The Bronx offers a surprisingly great variety of outdoor recreational opportunities. Wave Hill with an overlook of the Hudson River offers some beautiful spots, and an old lovely mansion that will make you forget you live in such a large city. Pelham Bay Park is a great public park close to Middletown and Pelham Bay. It’s an all around great park with tennis courts, a running track, a softball field, picnic areas and nature trails. Don’t forget about Van Cortland Park, a fantastic getaway where many cross-country races are held. It’s a perfect opportunity for runners, with a course that contains a long, flat stretch around the field.
From that quest, slow developing farm settlement back int he 18th and 19th Centuries to this constantly expanding and evolving borough of culture and class, The Bronx continues to proudly represent the best of New York. If you’d like to make your home here, it’s an affordable way to live in New York City yet still not break the bank. Let’s be honest, many people pay $1,500 a month or more to live Upstate, in places like Albany, without anywhere near the opportunities to be found in The Bronx. Once you find your perfect home, make sure you protect it with affordable Bronx renters insurance from Effective Coverage. Your family will thank you for it.