The Golden Rule of Apartment Insurance: A Little Bit Goes a Long Way


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1. Stop mailing checks! Many insurers charge the same billing fees whether it’s a $150 policy or a $3,500 policy. Paying in full or opting for automatic monthly payments can reap savings.

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2. Deduct more for less: To reduce your monthly premiums, you can increase the deductible — the amount that you must pay out of pocket before your coverage kicks in. The higher the deductible, the lower your premium.

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3. Economize — don’t go full value:  Under most policies, there is no penalty for insuring your goods for less than their total aggregate value. Of course, you can’t recover more than your amount of insurance, but once the need to economize diminishes, you can always reevaluate.

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4. Get credit to avoid debit: Discounts are available from some providers if you protect against three common home perils: theft (through cameras and motion sensors), fires (through temperature monitoring) and water and flood damage (through a water leak sensor).

Gotham Brokerage has the best Yelp reviews of any New York City insurance company. If you are not insured, now’s a great time to fix that. (Remember, apartment insurance costs less than a cup of gourmet coffee every day.)

Just fill out the quick form, give them a call at +1 (212) 406-7300 or shoot them an email at

[Photos via Unsplash unless noted otherwise]

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