Average Renters Insurance in New York
Average renters insurance costs and coverage choices by state.
Estimated Annual Premium: $350 to $430
Estimated Monthly Premium: $29 to $36
The range reflects typical variation. Your actual premium may fall outside this range based on location, insurer, and other factors not modeled here.
Quick Answer
How much is renters insurance in New York? About $350 to $430 per year ($29 to $36 per month).
Cheap renters insurance often starts near $320 to $390 per year ($27 to $33 per month) with lower-cost coverage and deductible trade-offs.
Your estimate moves most with coverage limits and deductible, and local risk affects pricing in New York.
Use the sample scenarios below to compare.
This model provides an educational range based on coverage and deductible trade-offs. Your actual quote can vary by your address, policy details, and insurer underwriting in New York.
Cheap Renters Insurance in New York
For a lower-cost starting point in New York, this model estimates about $320 to $390 per year ($27 to $33 per month).
Use scenarios like $15,000 Coverage · $1,000 Deductible to see how deductible and coverage trade-offs move the estimate.
Renters insurance by city in New York
Sample Scenarios
See how coverage amount and deductible affect the estimate:
- $15,000 Coverage, $500 Deductible
- $15,000 Coverage, $1,000 Deductible
- $30,000 Coverage, $500 Deductible
- $30,000 Coverage, $1,000 Deductible
- $50,000 Coverage, $500 Deductible
- $50,000 Coverage, $1,000 Deductible
Renters Insurance by State · Auto insurance in New York · How We Calculate · Sources