Renters
Your landlord’s policy doesn’t cover your stuff.
Renters insurance is the affordable way to protect personal property and liability when you lease. We place it with carriers who understand Long Island apartments, condos, and multi-family buildings.
Contents and liability — sized to how you live.
Personal property & liability
A renters policy typically protects clothing, electronics, furniture, and other belongings against named perils — and provides liability if someone is hurt in your unit or you accidentally damage another tenant’s property. Many landlords require proof of coverage before you move in.
Limits that match how you live
We help you size personal-property limits, choose deductible, and add options like water backup or higher liability when the lease asks for it. Replacement cost on contents is often worth the small premium difference.
Why McLear
Coverage that satisfies the lease
A short conversation is usually enough to quote — ZIP, unit type, and any insurance requirements from your landlord.
- Contents coverage sized to what you own
- Liability limits that satisfy most leases
- Quoted by a Bay Shore agent — not a call center
Next step
Ready for a renters quote?
Tell us about your rental — we’ll match limits to the lease.