Your landlord has the building insured, but are your possessions covered?

Although your landlord may be sympathetic if your place is burglarized or a fire destroys some of your belongings, it’s not the landlord’s responsibility to cover your possessions. Protect your possessions with renters insurance.

With renters insurance, you have financial protection against the loss or destruction of your possessions when you rent a house or apartment. The premium for renters insurance is relatively inexpensive since it only covers the value of your belongings, not the physical building. In order to find out what coverage is best for you, it is important to understand all the options available for renters insurance.

At Gaetani Insurance, we’re set up to save you time as we check with multiple providers to see which policy will work best for your needs. So you’re never stuck with just one choice.

By purchasing renters insurance, your possessions are covered against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm and water damage (not including floods). Like homeowners insurance, renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court. Renters insurance covers your additional living expenses if you are unable to live in your apartment because of a fire or other covered peril.

If you own any particularly valuable items, you will want to tell the agent. They may require a special coverage called a floater. A floater is a separate policy providing additional insurance for your valuables and covers them for perils not included in your policy such as accidental loss.

Read some of our testimonials from local people in the Greater Binghamton area of New York and see what they have to say about the personalized services of Gaetani Insurance.

Call Gaetani Insurance at 607.724.3536 or contact us through the website to talk with an agent about your renter’s insurance needs.

Relax, knowing everything is properly protected.

"I have dealer insurance with you – I saved hundreds from my last agent. Prompt service – friendly service people. Gaetani Insurance is a pleasure to deal with." ~ Doug Oakley, Harpursville, NY
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Joseph P. Gaetani Insurance Agency
227 Robinson Street
Binghamton NY 13904

Office Hours: Monday-Friday 8:30am - 3:30pm

(607) 724-3536


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