How does renters insurance work in nyc?

Question

where is a reputable place to start looking?

Answer 1

Renters insurance works the same in NYC as it does anywhere else. Your possessions will be covered up to the policy maximum. If you have replacement cost an item will be covered the cost to replace it, if you don't an item will be covered it's depreciated value.

You'll also get liability coverage in case you get sued by someone who gets injured as a result of your negligence.

The best place to start looking would be the guy who does your car insurance because you can usually get a discount which can be larger than the cost of the renters policy. If you don't have a car ask some of your neighbors for a recommendation or call an independent agent.