Thanks for taking a few moments to stop by our Queens, NY Renters Insurance Guide. We recognize that Queens renters insurance can vary significantly even between the different neighborhoods, and the risks you’re protecting against might even vary between blocks. Effective Coverage has years of experience writing New York Renters Insurance and we know the importance of evaluating the risks to make sure you get the correct policy for your needs.
Effective Coverage takes the time to understand your individual risk profile because we want you to be protected. Queens renters insurance isn’t just something we sell at Effective Coverage, it’s our mission. Many years ago, Eric Narcisco lost everything he owned to an apartment fire that his neighbor started accidentally. From the ashes of his apartment arose Effective Coverage, on a mission to educate Americans about the importance of renters insurance nationwide and to make the coverage accessible to everyone.
Accessibility has traditionally been a big concern with Queens, NY renters insurance. Part of the problem is that most of the agents who have storefront agencies want nothing to do with renters insurance in Queens. There’s just no revenue in a $150 a year renters policy, from their perspective. In order to make renters insurance accessible to everyone, Effective Coverage has turned the model on its head. Iterative improvement is a crucial part of what we do here, and it’s led to creation of new efficiencies in the process that allow us to offer Queens renters insurance while actually taking the time to ask the right questions.
Effective Coverage isn’t just an assembly line, either. You’ll work with a New York Renters Insurance expert who is salaried, not on commission, and whose job it is to get you the right coverage to meet your needs, regardless of the time it takes. There’s always a friendly Queens, NY renters insurance expert you can call to get expert advice on personal risk management, and who will make sure you’re satisfied before you’re off the phone. If you know exactly what you need, and you want to take care of it online without a consultation, we’ve made that process more efficient, as well. But if you do find that you have a question while you’re quoting renters insurance online, Effective Coverage even offers live chat with renters insurance experts to help you find the answers you need.
Relationships and education make what we do possible, and we value those relationships. Take just a few minutes and call or click above to get your Queens, NY renters insurance started today, and to give your family the protection they so richly deserve.
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.
Queens, NY Renters Insurance
How Does Queens, NY Renters Insurance Help With Personal Risk Management?
First, let’s ask what personal risk management really means. Companies have risk managers, but individuals rarely give the idea much thought. Risk, of course, is the chance that something bad might happen to you. Managing risk for individuals comes in three forms:
This just means that you understand the types and amounts of risk that you retain, and accept that you’re going to be responsible for the results should something untoward happen. Do you have a $1,000 deductible on your collision coverage on your auto policy? If so, that means you’ve retained $1,000 of risk – anything beyond that the insurance company will pay, subject to the policy limits. Queens, NY renters insurance also comes with a deductible, usually lower than the above example.
Risk mitigation is the part of personal risk management where you do the things reasonably in your power to reduce the amount of risk that you face. This could range from locking your door to having smoke detectors in the correct places, even just keeping your head up and being aware of your surroundings when you’re walking down the street is a form of risk mitigation. Since complete risk avoidance is an impossible task, we have to settle for mitigation. But there’s a better way, that complements risk retention and risk mitigation.
Risk transference is the process of transferring some or all of the risk you face to someone else. The tradeoff is that this costs money – it’s called an insurance premium. Queens renters insurance is nothing but risk transference arranged in a very specific way to transfer specific types of risk. You pay a token premium to the company, in return for which they assume the risk that something will happen, such as a fire. If that insured event or events occur, the insurance company will pay to return you to the financial condition you were in before the loss.
Queens, NY renters insurance helps with personal risk management by making sure that an event that’s not your fault doesn’t cause you to lose everything. Most people can’t afford to replace everything they own if it were lost in a fire, for instance. Those people need to insure against that risk, and that also comes with insurance against other risks, as well. Queens renters insurance protects you from common risks as well as uncommon risks.
Just as importantly, your policy protects against the risk of you causing bodily injury or property damage to someone else through your negligence. What if you spilled your coffee on someone walking down the street? What if you were frying chicken, and the phone rang, distracting you long enough for that hot oil to set your kitchen on fire? How would you pay for the damage to the building, or the damages suffered by other residents? Chances are you wouldn’t be able to. That’s what renters insurance in Queens is for. The insurance assumes the risk of those damages, as well as the risk of the cost of defending you in that situation.
How Much Does Renters Insurance Cost In Queens?
The average Queens, NY renters insurance policy costs just fifteen dollars a month. That works out to about $187.00 for the year, though it’s often even less expensive than that. You can save money on renters insurance in Queens by paying for the year in full – often there are either discounts available for doing that or you save on the installment fees that nearly every underwriter will charge. You also often are able to split it into two payments about six months apart. By doing that, you maximize the time value of your money but still save on the installment fees.
The best way to find out how much Queens renters insurance will cost you is to call Effective Coverage. You’ll get a personalized quote customized to your individual needs in a matter of minutes, with exact prices and coverage. It’s easy, fast, and inexpensive.
Where Can I Buy Renters Insurance In Queens, NY?
While Queens does lend itself to walking into several storefront agencies to compare prices, most of those agencies aren’t going to have much interest in a standalone renters insurance policy in Queens. They’ll want to sell you other things, because a single renters insurance policy doesn’t fit into their revenue model. For the best prices and the best service, call the Queens, NY renters insurance experts at Effective Coverage. The renters insurance expert you speak with will be someone who is focused on standalone renters insurance policies. As we noted about, our insurance experts are on salary, so they’re willing to take the time to get the right policy for you and to answer all of your questions – they’re not under sales pressure, their entire job is to help educate you about the coverage and how it meshes with your needs, and to get you the correct policy to meet those needs. It just takes a few minutes on the phone or a few clicks online and you can be covered the same day, with proof of coverage sent to your leasing office in seconds!
Renting In Queens, NY
Geographically adjacent to the borough of Brooklyn, Queens is the easternmost and largest in sheer land area of the five boroughs of New York City, with over 2,300,000 residents. Queens is also the most ethnically diverse urban area in the world, and approximately forty-eight percent of the residents in Queens are foreign born, and have come to Queens to make a better life for their families. This leads to diversity not only in the people of the borough, but also in the services and shops that are available there. With ethnic marketplaces, urban services and stores, and the availability of products from nearly the entire world, Queens is the Alice’s Restaurant of NYC – “You can get anything you want…”
Many people believe that Queens is by far the best borough of New York City. As the most ethnically diverse urban area in the world, Queens offers a bit of something for anyone, no matter their background. Of course, there are just some things that everyone understands and loves, like sports, music, and the arts. Queens has all of it. The USTA National Tennis Center in Queens is a large, open venue that hosts so many tennis matches you’ll wonder how to find time to enjoy all of them. With a variety of food and drinks, clean seats, plenty of space, and a friendly and helpful staff, tennis matches can be enjoyed equally by those with a profound love for the sport and by those who just watch sports from the couch once in a while. It’s great fun for the whole family, couples, or hanging out with friends.
Next to the complex, you can catch a Mets game as well. City Field is another place to enjoy a good game of baseball with the Yankees or Mets. With fair ticket prices, amazingly comfortable seats, and top-notch food, this modern stadium is a great place to enjoy a game. Wherever you find yourself in the stadium, even in the bathrooms, there are televisions that will keep you apprised of the game being played. The entire stadium is clean and spotless, and there is a surprising amount of interaction with the crowd. Everyone goes out of their way to make it a good experience and pleasant atmosphere for attendees.
As of 2003, Queens had almost 40,000 business establishments scattered throughout the borough. Several large companies have their headquarters in Queens, including renowned watchmaker Bulova and famous international piano manufacturer Steinway & Sons, in Astoria. Glacéau, the makers of Vitamin Water, and JetBlue Airways also make their corporate homes here. Queens has the lowest unemployment rate in all of New York City, which is yet another reason to love making your home in Queens.
Choosing to make your home here might cost a bit more than in other boroughs of NYC, but it’s worth it in the long run. The estimated median value of a home or condo here is $440,000, but with everything Queens has to offer and with non-stop expansion of culture and industry it’s well worth the money to live here. Through the entire borough, the average median rent is about $2,042. This can vary by neighborhood, of course, but it’s quite affordable for NYC. Sunnyside, Queens was named one of the most affordable neighborhoods in New York City. Sunnyside is easily accessible by the 7 train, just fifteen minutes from Midtown Manhattan. One report recently cited an average monthly rent of just $1,300 for a two bedroom apartment. That’s an incredible deal for anyplace in NYC, especially for a neighborhood as safe as Sunnyside in a borough as diverse and welcoming as Queens. Bear in mind that people pay twice that much to live in Jersey City, of all places, where they have to struggle with the PATH Train and the other vagaries of life in New Jersey while working in NYC. It makes far more sense to just live in queens and be a quick subway ride from work. Not only is it far less expensive than living in Jersey City, but it also means you have a shorter commute and more time to spend with loved ones as a result.
A great cultural spot in Queens, NY is the Louis Armstrong House Museum, which was the home of the great musician and an even greater man. It’s a very intimate and personal journey through this man’s life, and you’ll come away with changed views. Most of the original furnishings are still present, and passionate tour guides and audio clips from Louis’ home-recorded tapes complete the experience so that you’ll feel like he’s standing right next to you as you wander through the tour.
Queens has come a long way in recent years. Leading Queens from its former status as an industrial wasteland to its current reputation as an arts district, Noguchi Museum has two levels and a rooftop terrace used as exhibition spaces for the astonishing Japanese art and gardens of Isamu Noguchi. The Museum is located opposite the Japanese American artist’s former home and workplace for most of his career, where he created drawings for many installations, beautiful large sculptures, and projects for gardens, furniture, and other forms of art. The Museum is a different experience with each season, with different plantings for each season blending with various stone and gravel installations in different parts of the Museum. The Museum shows Noguchi at his best, with statues that look different from each angle, so that each viewing angle makes a different impact on the visitor.
A great place to run, skate, or ride a bike through the beautiful scenery is Gantry Plaza Stat Park. Nestled close to the water, this park is a great spot for a picnic. With a lot of open space for kids to play and many creatively designed built-in lounge chairs, this is the perfect spot to observe the city, enjoy the sunshine, or watch the ferry cross the river. With this park’s location, there are numerous spots to take a picture of the sunset or a panorama of the city. It’s a great place to enjoy the sunset with your date and to make some memories. The best part of all, of course, is that it’s free!
Flushing Meadows Corona Park is definitely the place to escape the noise of the city and relax. With each season, this park brings a different feeling, from a beautiful snow covering in the winter to watching the cherry trees blossom in the spring. For those who plan to bring the family along, there are numerous children’s’ playgrounds and slides. The park is close to the Queens Museum, Queens Zoo, and Citi Field, as well as right next to Arthur Ashe stadium, so there are plenty of options to choose from if you feel like going elsewhere.
Queens, NY offers more cultural and family fun opportunities than any other borough of the city, and is by far the best place to make a home in NYC. It’s also far more affordable than you’d expect, as you can see above. Once you find the perfect home in Queens, make sure to protect it with Queens, NY renters insurance. For just a few cents a day, you can protect the things and the people who are important to you. It only takes a few minutes, so call or click today to get protected with Effective Coverage, the Queens, NY Renters insurance experts.