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  "id": "nydfs-renters-insurance",
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  "contentVersion": "2026.08.31",
  "generatedFor": "2026-09-06",
  "operator": {
    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
    "license": "6013787",
    "licenseAuthority": "California Department of Insurance"
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  "license": "Text on this page may be quoted with attribution and a link to the canonical URL.",
  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "Renter's Insurance (consumer guidance)",
  "publisher": "New York State Department of Financial Services",
  "url": "https://www.dfs.ny.gov/consumers/help_for_homeowners/renters_tenants/renters_insurance",
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  "sourceType": "regulator-guidance",
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  "jurisdiction": "NY",
  "publishedDate": "unknown",
  "effectiveDate": "unknown",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "NY DFS revises consumer pages periodically",
  "status": "active",
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      "checksum": "b908928b568f",
      "text": "A landlord does not provide insurance for a tenant's personal property."
    },
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      "text": "An exception to this can occur if the landlord was aware of a prior hazardous condition, failed to correct it in a reasonable time frame, and as a result the tenant's property was damaged."
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      "text": "Renter's insurance is described in coverage parts including personal property, loss of use, personal liability, and medical payments to others."
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      "checksum": "8fbf6cf70209",
      "text": "The covered causes of loss the page lists include fire, smoke, theft, vandalism, windstorm, hail, lightning, explosion, falling objects, weight of snow, ice and sleet, and water damage from plumbing or appliance failure."
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      "checksum": "0f85b6d0560b",
      "text": "Liability protection is described as covering injuries that others sustain while at the tenant's home, including medical expenses and any resulting lawsuits, and damage to other people's property."
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  "reliedOnBy": [
    {
      "kind": "Coverage",
      "title": "Homeowners insurance",
      "url": "https://bestinsuranceresearch.com/insurance/homeowners"
    },
    {
      "kind": "Coverage",
      "title": "Landlord / rental dwelling insurance",
      "url": "https://bestinsuranceresearch.com/insurance/landlord-rental-dwelling"
    },
    {
      "kind": "Coverage",
      "title": "Residential earthquake insurance (California)",
      "url": "https://bestinsuranceresearch.com/insurance/residential-earthquake-california"
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  "reliedOnByCount": 3,
  "citation": {
    "text": "New York State Department of Financial Services. \"Renter's Insurance (consumer guidance).\" unknown. https://www.dfs.ny.gov/consumers/help_for_homeowners/renters_tenants/renters_insurance (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record nydfs-renters-insurance, content version 2026.08.31. https://bestinsuranceresearch.com/sources/nydfs-renters-insurance",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
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