How To Apply For Renters Insurance? 
I would recommend contacting your local independent agent and giving him your address . Imagine if you were to turn your apartment upside down and `` shake out '' all of your `` stuff '' . How much would it cost to replace those items ? You will need to give the agent a dollar amount . This will determine how much you will pay for insurance . Renters insurance is relatively inexpensive and it provides valuable protection . Remember expensive items likely jewelry , furs , firearms , money & securities are excluded from personal property . You can schedule those items if you have an appraisal . In NY if you have $ 25,000 of personal property with $ 500,000 of liability the premium will run about $ 225 - $ 255 per year . Hope this helps ! 