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Best Renters Insurance in Buffalo, NY

Aug. 15, 2019, 8:17 p.m.

Renters in Buffalo enjoy living in all types of properties, from beautiful Victorian homes to newly built luxury apartments. But the experience can quickly turn bad without renters insurance. Coverage is cheap and gives you multiple levels of financial protection. Our partners at ConsumerAffairs researched the best renters insurance in Buffalo so you know how to find a policy.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WKBW may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Buffalo
Read More
Location
Serves residents in
Buffalo, NY
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Buffalo
Read More
Location
Serves residents in
Buffalo, NY
(855) 522-3444
State Farm: Dan Schmidt
State Farm: Dan Schmidt
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • calldantoday.com
Location
615 Elmwood Ave.
Buffalo, NY 14222
(716) 783-9460
Allstate: Amber Sarki
Allstate: Amber Sarki
Features
  • M-F: 9am - 7pm
  • Sat: 8:30am - 1pm
  • Closed Sun
  • agents.allstate.com/amber-sarki-buffalo-ny.html
Location
139 Grant St.
Buffalo, NY 14213
(716) 462-5115
Niagara Montauk Insurance
Niagara Montauk Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • niagaramontauk.com/auto-home-and-personal-insurance/renters-insurance
Location
1547 Hertel Ave.
Buffalo, NY 14216
(716) 800-4282
Farmers Insurance: Toni Du Bois
Farmers Insurance: Toni Du Bois
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • agents.farmers.com/ny/buffalo/toni-du-bois
Location
2462 Main St.
Buffalo, NY 14214
(716) 931-5200
Debra Rich Hamsher Agency
Debra Rich Hamsher Agency
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • debrarichhamsher.com
Location
1101 Niagara Falls Blvd.
Buffalo, NY 14226
(716) 833-1900
Clauss & Company Insurance Agency
Clauss & Company Insurance Agency
Features
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • claussinsurance.com/default.aspx
Location
735 Delaware Ave.
Buffalo, NY 14209
(716) 886-6600
Progressive: Dennis Evchich Insurance Agency
Progressive: Dennis Evchich Insurance Agency
Features
  • M-F: 9am - 4pm
  • Closed Sat and Sun
  • progressive.com/agent/local-agent/new-york/buffalo/dennis-evchich-agency-inc-14207
Location
826 Tonawanda St.
Buffalo, NY 14207
(716) 875-7577
Burch Insurance Agency
Burch Insurance Agency
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • burchinsuranceagenc.com
Location
4180 Bailey Ave.
Buffalo, NY 14226
(716) 830-3417

How to choose rental insurance in Buffalo

skyline

If you rent in Buffalo and don’t have renters insurance, you’re taking a big, unnecessary risk. Here’s why it should be an easy decision:

  • You can’t depend on the property owner’s insurance. Usually, the owner’s policy only covers the physical structure of the property and doesn’t extend to your personal possessions or liability.
  • Renters insurance protects the value of your personal belongings. If they’re damaged by a covered event or stolen, the insurance company will give you money for repairs or replacements.
  • Renters insurance covers liability in case you’re responsible for an accident. If an injury occurs at your home or you damage someone else’s property, a policy will pay for medical bills or repairs. It also covers legal fees.
  • Renters insurance pays for additional living expenses when your residence is uninhabitable. If you are forced out because of a covered event and your temporary living expenses exceed what you normally spend, the insurance company helps out.
  • Renters insurance protects you beyond the home. Many policies will cover your belongings if, for example, they are stolen from your car or during vacation. You may also be covered for liability away from your rental.
  • Renters insurance isn’t expensive. In Buffalo the average policy costs $11 - $16 per month, with multiple discount opportunities.

What events does renters insurance in Buffalo cover?

Renters insurance in Buffalo covers different risks, known in the insurance industry as perils. Here are some commonly covered perils:

  • Fire and smoke
  • Theft and vandalism
  • Water leaks (but not floods)
  • Lightning strikes
  • Windstorms or hail
  • Weight of snow or ice
  • Damage by an aircraft or vehicle
  • Explosion or riots

If a covered event causes you loss of personal property, you’ll first have to meet a deductible before coverage begins. The insurance company then will compensate you according to the type of personal property coverage you have:

  • Actual value covers belongings at current market value, including depreciation.
  • Replacement value covers total replacement cost at current retail price.

When choosing a policy, be sure to specify which type of coverage you want, but be prepared to pay slightly higher premiums for replacement coverage.

You’ll also need to choose your coverage limits. Most renters select personal property coverage between $20,000 and $40,000 and liability coverage of at least $100,000. Take an inventory of your possessions and assets as a starting point; insurance agents can provide additional help. If you have high-value items like jewelry or art, ask about scheduled personal property coverage.

Before you make a decision on renters insurance in Buffalo, ask your landlord or read your lease to find out if there are coverage amount requirements or if you need an additional insured endorsement. Also, ask the provider about the procedure for filing a claim and what the timeline is for processing.

Policygenius

Policygenius

Policygenius is an independent, online insurance broker that has helped over 4.5 million Americans shop for policies. Use the company’s renters insurance tools to figure out the right coverage limits, and get personalized recommendations, with quotes that explain exactly what’s covered. Discounts and extra coverage for valuables are available. Buffalo reviewers like the online resources and assistance from experts at Policygenius.

EverQuote

EverQuote

EverQuote is an online insurance marketplace that connects you with top renters insurance providers in Buffalo. Fill out an online form, and the company will match you with policies that fit your needs and budget. The service is free and has helped handle over 35 million quote requests. Western New York customers who have used EverQuote appreciate how fast and easy it is.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.