At Effective Coverage, we know you have plenty of choices for New York Renters Insurance. Long Beach, NY renters insurance can be acquired from just about any New York insurance agency. Most of them won’t proactively offer it, though, even to existing clients. Why is it that no one wants to help you buy renters insurance? It has to do with the price, ultimately. Long Beach renters insurance is not expensive at all – it averages about fifteen dollars a month. That means your insurance agent would make all of about a dollar a month off your policy. They don’t offer it because in their business model it’s not profitable. That’s why Effective Coverage has turned that business model on its head.
By introducing efficiencies into the process, Effective Coverage has made it easy to get Long Beach, NY renters insurance. As the nation’s only full-service insurance provider focused on renters, renters insurance is what we do. Because of that, we’ve restructured some other things in the model as well. For example, our renters insurance experts are able to focus on you, answer your questions, and take the time to help you customize coverage that meets your specific needs and risk profile because they’re on salary, not commission. The person you speak to about your renters insurance is encouraged to take all the time necessary to make sure you understand your policy, that it’s the policy you need, and that all of your questions have satisfactory answers.
If you call a direct writer and ask the person who answers the phone some hard questions about specific coverage on a Long Beach renters insurance policy. Chances are you’ll be met with short, curt partial answers because they don’t really want to sell you a renters insurance policy. They want to sell you an auto or a homeowners policy, or even an umbrella, because those put real money in their pocket. By putting our renters insurance experts on salary, Effective Coverage ensures that you get the time and attention you deserve right alongside the policy you deserve.
We’ve also made it easier to buy renters insurance online. Enter your zip code and click – the entire process takes just minutes from there. If, along the way, you run into questions or decide you’d rather work with a renters insurance expert on the phone, that’s perfectly fine, too. Just call Effective Coverage, and when you quickly get through to a real human being, let them know you started a quote online and have some questions. They’ll be happy to locate the quote and answer your questions, and then you can either finish the process with them or complete it online. At Effective Coverage, we’re all about giving you the options you need in order to get the right coverage at the right price.
Long Beach, NY renters insurance isn’t complicated, and it shouldn’t be complicated to get a policy. Effective Coverage gets you fast renters insurance and solid answers to your questions. One call or a quick click and you can cover your family today!
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.
Long Beach, NY Renters Insurance
Does Long Beach, NY Renters Insurance Cover Theft?
Yes, Long Beach, NY renters insurance covers theft. If your property is stolen, the claim will return you to your previous financial position. Generally Long Beach renters insurance includes coverage for replacement cost contents. That means that you’ll get the amount of money you need to replace the item. It’s important to make sure you have replacement cost, because the actual cash value, after depreciation, won’t help you replace the property.
It’s also important to know exactly what you’re insuring. Certain classes of property such as jewelry may have lower sub-limits, especially for loss by theft. You’ll want to discuss high value items with your renters insurance expert, who can clarify what limits, if any, may apply to that particular type of property.
If a sub-limit is present, such as for jewelry loss by theft, there’s an easy solution. Depending on the replacement cost of that particular item, it can be added to the policy in one of two ways. The first option, generally used for items under $10,000 of value, is to simply endorse that item onto the policy with a “valuable items” endorsement or rider. Please note that doing so does not increase the total amount of coverage for all personal property, it increases the portion of that limit available for specific high value items. It’s advisable to increase your aggregate personal property limit to account for that, otherwise you may find yourself in a situation where there’s coverage for the high value item but you run up against the personal property limit for other items.
The second way you can cover high value items on renters insurance in Long Beach, NY is with what’s called a “personal articles floater” or an “inland marine” policy. Don’t let the name scare you, the current iteration of inland marine policies have nothing to do with water. It’s an old term that dates back to when the policies were created to fill gaps left by ocean marine policies, namely when the insured property was not on an ocean.
This floater policy will cover specific articles described in the policy. Generally floaters are written on an open perils basis which means that, save for exclusions such as nuclear hazard, the property is covered regardless of the cause of loss. You may need a recent appraisal in order to bind this coverage, but appraisals are inexpensive and you should have one on valuable property anyway.
Your renters insurance expert can go into more detail and help you find the right option to cover all of your property with solid coverage at an affordable price.
What Is Liability Coverage On Renters Insurance In Long Beach, NY?
Liability coverage on Long Beach, NY renters insurance covers you in the event that you cause bodily injury or property damage to another person. That could be a fire caused by your negligence, or it could be something as simple as allowing your bathtub to overflow and cause water damage to the unit below you. Both instances would be direct results of your negligence, and in both instances you’d normally be responsible for the cost of repairs or replacement of property damaged.
In both instances, your renters insurance liability coverage would cover the cost of those damages and of making whole the person who suffered them. Your Long Beach renters insurance will even cover the costs of defending against that claim if necessary, saving you a ton of money on potential legal fees. Even frivolous claims cost a great deal of money to defend against, and renters insurance would be worthwhile even if it only covered defense and liability claims. But it’s an even better value since it covers your personal property as well as other types of potential losses.
Renting In Long Beach, NY
Long Beach is a small Island just south of Long Island, connected by bridge to Long Island proper. Just 33,552 people live on this highly developed island, and their median age is 42.5 years old. That’s slightly higher than the New York State median age of 40.7 years old. Served by area code 516 and zip code 11561, Long Beach has a higher median income than the statewide median, at $78,460. That may sound like quite a bit of money, but when the average home value is almost half a million dollars, it can go quickly! That’s why so many people rent in Long Beach, with a median rent is just $1,615. Renting is a great way to make the Long Beach lifestyle affordable.
The city occupies an island of the same name, and is situated in Nassau County. Incorporated in 1922, it’s also know as The City By The Sea. The same phrase can be found in Latin on the city’s official seal. Reynolds Channel and the Atlantic Ocean surround the city. Bus service is available twenty-four hours a day throughout the city, and the Long Island Railroad makes it easy to get to the rest of New York City and the world, with a station at Park Place and Park Avenue.
Long Beach traces its settled history all the way back to the Rockaway Indians, who sold the island to Dutch colonists in the mid Seventeenth Century. The land was used for fishing and salt hay production, no one actually live on the island until the middle of the 19th Century. The developer who really caused things to take off worked out a partnership with the Long Island Railroad to pay for much of the transportation infrastructure necessary for development, and those tracks are still in use. The first year the railroad was open, 300,000 people flocked to the island. Attempts were made to run tracks the length of the island as well, but the wind and the waves had something to say about that and the effort was abandoned by 1894.
In the intervening years, Long Beach has grown rapidly. Development has been constrained by the size of the island, only a mile wide and three miles long, but that hasn’t stopped the developers from finding places to build homes and businesses. Living in Long Beach makes you part of New York City, but you’re in an enclave all your own. When you find the perfect apartment, make sure to protect it with Long Beach, NY renters insurance from Effective Coverage.