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Find the Best Renters Insurance in Buffalo, NY

Wherever you rent in Buffalo, it’s important to protect your finances from fire, theft and other hazards with a renters insurance policy. The Buffalo News has partnered with ConsumerAffairs to create this guide by comparing the local reviews of 26 businesses and choosing seven favorites from the best renters insurance companies in Buffalo.

Companies pay ConsumerAffairs to be accredited, and The Buffalo News and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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What does renters insurance cover in Buffalo?

buffalo skyline

As the second-largest city in New York, there are many different neighborhoods in Buffalo for renters to choose from. For those who like to be a part of the vibrant nightlife, Downtown and Black Rock are extremely popular. On the other hand, Central Park and South Buffalo are popular neighborhoods for young families. No matter your neighborhood, though, there are risks that come with renting.

With a crime rate of 51 per 1,000 residents, according to NeighborhoodScout, Buffalo has one of the highest crime rates in America. Renters insurance offers financial protection after common crimes like vandalism and theft, though.

Policies also usually cover certain types of natural perils, like fire and lightning. Damages from Buffalo’s frequent snow might also be covered.

Generally speaking, renters insurance provides three types of coverage in Buffalo:

  • Personal property coverage, which offers reimbursement for the loss of your personal property, like furniture, collectibles and other belongings. Personal property coverage should be customized to the estimated value of your belongings. For example, if you calculate that it would cost $50,000 to replace everything in your apartment, you should have at least $50,000 in personal property coverage.
  • Liability coverage is for when you’re found liable for damage to someone else or their property. For example, if someone visits your house, gets bitten by your dog and sues, liability coverage helps cover the bills. Most policies require liability coverage.
  • Additional living expenses coverage helps pay for temporary living costs in case of a covered event. In addition to covering the cost of your items lost in a fire, renters insurance can also help cover your living expenses after the event, like if you have to move to a temporary apartment.

What does renters insurance not cover in Buffalo?

Renters insurance doesn’t usually cover natural disasters. Earthquakes and wildfires haven’t historically posed a big threat to Buffalo residents, but the city does experience flooding, which isn’t covered by most renters insurance policies.

Renters insurance policies also don’t cover pest or pet damage, your roommate’s items or high-value items, like jewelry, that exceed your personal property limit. You need to get additional or supplemental coverage for those.

Renters insurance cost in Buffalo

In Buffalo, renters insurance costs between $12 and $47 per month for a 35-year-old single man. The lower end of the spectrum often has smaller limits on personal property coverage and doesn’t include any supplemental coverage, like fine jewelry or bike protection. Your cost also depends on your neighborhood and specific risks that might impact your likelihood of filing a claim.

Most companies and brokers offer different discount options to help save you money, like bundling policies or installing home alarms. You also usually have the flexibility to change coverage amounts to find a cost that works for your budget.

Buffalo renters insurance FAQ

How do renters insurance claims work in Buffalo?

After reporting your losses, usually in a dollar amount, to the police and your landlord, you also submit a claim to your renters insurance company for that amount. Your provider will then probably ask you to document your losses by photo or video and complete a claims form. From there, an agent reaches out to you to complete the process and figure out how much you’re eligible to receive.

Where can I get renters insurance in Buffalo?

There are many insurance agents in Buffalo offering renters insurance, including the companies listed in this guide. These companies were chosen based on their offerings, their proximity to Buffalo and their local customer reviews.

Does renters insurance cover property damage in Buffalo?

Yes, renters insurance policies cover property damage from certain types of events. These are called “covered perils.” They vary from policy to policy but mostly include things like theft, vandalism, fire and thunderstorms.

Do you need renters insurance to rent an apartment in Buffalo?

Though renters insurance is not required by law, some landlords require renters insurance. Check your lease agreement to find out if this applies to you.

Buffalo renters insurance company information

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Lemonade

Lemonade is an insurance company offering property, liability and special coverage for renters. In Buffalo, policies are available for up to $1 million. Its application process is fully online with a simple interface. You can see what your coverage and rate look like in real time, including supplemental coverage options like pet and bike insurance.

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K L Hudson Insurance Agency

K L Hudson Insurance Agency is an insurance broker offering free quotes on renters insurance from multiple insurance carriers. These carriers include Travelers Insurance, Nationwide and Progressive. You can check your options online or in person at its location at 2777 Sheridan Drive, Ste. 202, Tonawanda, New York 14150.

K L Hudson Insurance Agency

Allstate: Thomas Finn

Thomas Finn is an Allstate insurance agent in Kenmore offering renters insurance policies. Its renters insurance policies include coverage for personal property, living expenses, liability and identity restoration. Allstate also offers a personal umbrella policy for a more well-rounded approach to coverage. Thomas Finn’s office is located at 3493 Delaware Ave., Kenmore, NY 14217.

Allstate: Thomas Finn

State Farm: Michele Proietti

Michele Proietti is a State Farm insurance agent with over two decades of localized experience. With personal property, liability and loss of use coverage, the company’s policies are pretty standard. However, you do have the option to add additional coverage, like earthquake protection and identity restoration. Michele Proietti’s State Farm agency is located at 3140 Sheridan Drive, Ste. 102, Amherst, NY 14226.

State Farm: Michele Proietti

Farmers Insurance: Toni Du Bois

As a lifelong resident of New York, Toni Du Bois with Farmers Insurance offers specialized local renters insurance. The company’s renters insurance policies include personal property, personal and medical liability, and additional living expenses coverage. You can add additional coverage, like pet insurance and valuables protection, as well. Toni Du Bois’ Farmers Insurance office is located at 2462 Main St., Buffalo, NY 14214.

Farmers Insurance: Toni Du Bois

The Cesar Group Inc.

The Cesar Group Inc. is a local insurance broker in Buffalo. Its team compares quotes from many large and small insurance agencies, like NYCM Insurance, 21st Century Insurance, Nationwide and The Hartford, to help clients find a good policy. The company’s options include personal property, liability, additional living and supplemental coverage. You can request a quote online. The Cesar Group Inc. is located at 354 Cayuga Road, Buffalo, NY 14225.

The Cesar Group Inc.

Dennis Evchich Insurance

As an insurance broker, Dennis Evchich Insurance connects customers to rates and policies from a variety of insurance companies, including Progressive, National General, Travelers and others. To get a quote, contact one of its producers, who uses your information and needs to find a solution. Dennis Evchich Insurance has one office in Williamsville and another at 826 Tonawanda St., Buffalo, NY 14207.

Dennis Evchich Insurance