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| Company | Average Rates |
|---|---|
| New York Central Mutual (NYCM) | $75.69 |
| Encompass | $113.21 |
| Allstate | $131.08 |
| State Farm | $138.16 |
| Travelers | $138.22 |
| USAA | $175.67 |
| Nationwide | $189.76 |
Not every landlord requires renters’ insurance of tenants in Schenectady but if it is needed, you can get the best policy for value by considering the following tips.
This can be achieved by creating a risk profile for an apartment or condo and using this profile to estimate what property and liability protection is actually needed. Such a profile can help to determine what deductibles can be considered.
To get the cheapest policy for good value in Schenectady, you should compare insurance quotes and rates of respectable insurance providers using your created risk profile as a guide of sorts. Comparing average premiums of the following cities to your own may also be helpful: 1, 2, 3, 4, 5.
Carefully read through the terms of a policy to determine if it fits the risk profile of your rented property at a cost that is within your monthly budget.
Once you’ve found a good fit at a reasonable cost per month, the next step is to check out the company and how they handle claims. For these, you can check out online reviews and speak to insurance agents to get a better feel.
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