Protect Your Stuff. Protect Your Savings.
Your landlord insures the building. But who insures your life inside it?
Many renters in Selden, Centereach, and across Long Island mistakenly believe they are covered by their landlord's policy. The truth is, if there is a fire, theft, or water damage, your landlord’s policy covers the walls and the roof—but it won’t pay a dime to replace your clothes, your laptop, or your furniture.
At Sean Worth Allstate, we make Renters Insurance simple and incredibly affordable. For often less than the cost of a pizza delivery a month, you can secure coverage that travels with you.
Customized Coverage for Every Stage of Life
We specialize in:
Standard Homeowners (HO-3): Comprehensive protection for single-family homes against fire, theft, and vandalism.
High-Value & Luxury Homes: Specialized packages for homes exceeding standard rebuild limits, including coverage for custom craftsmanship and architectural details.
Coastal Property Solutions: Expert navigation of hurricane deductibles and flood insurance requirements for homes in Port Jefferson, Setauket, and Nissequogue.
Secondary & Vacation Homes: protecting your getaway property on the East End or upstate.
What Does Renters Insurance Actually Cover?
It’s about more than just replacing your TV. A solid renters policy from Allstate provides three layers of protection:
Personal Property
Reimbursement for your belongings (furniture, electronics, clothing, jewelry) if they are stolen or damaged by covered perils like fire or smoke.
Note: Coverage extends to your stuff even when it's not in your apartment (e.g., if your laptop is stolen from your car).
Liability Protection
If a guest slips and falls in your kitchen, or if your dog bites a neighbor, you could be sued. Renters insurance helps cover legal fees and medical judgments so your future wages aren't garnished.
Additional Living Expenses (Loss of Use)
If a fire or burst pipe makes your apartment unlivable, this coverage pays for your hotel bills and food costs while you wait for repairs.
What Does Renters Insurance Actually Cover?
It’s about more than just replacing your TV. A solid renters policy from Allstate provides three layers of protection:
Personal Property: Reimbursement for your belongings (furniture, electronics, clothing, jewelry) if they are stolen or damaged by covered perils like fire or smoke.
Note: Coverage extends to your stuff even when it's not in your apartment (e.g., if your laptop is stolen from your car).
Liability Protection: If a guest slips and falls in your kitchen, or if your dog bites a neighbor, you could be sued. Renters insurance helps cover legal fees and medical judgments so your future wages aren't garnished.
Additional Living Expenses (Loss of Use): If a fire or burst pipe makes your apartment unlivable, this coverage pays for your hotel bills and food costs while you wait for repairs.
The "Bundle" Secret: Coverage That Often Pays for Itself
This is the smartest financial move a renter can make.
When you bundle your Renters Insurance with your Auto Insurance at Allstate, the discount applied to your car insurance premium is often larger than the cost of the renters policy itself.
Essentially, you could get free coverage for your apartment just by combining your policies.
Special Focus: Students & Young Professionals
Located just minutes from Stony Brook University and Suffolk County Community College,
our agency specializes in helping students and graduates secure their first policies.
Off-Campus Housing
Landlords in Stony Brook and Port Jefferson often require proof of renters insurance before you can sign a lease. We provide instant binders to help you secure your housing.
Dorm Life
Check with us to see if your parents' home policy covers you in a dorm, or if you need a specific renters policy for your expensive textbooks and electronics.
Roommates
Be aware that a renters policy generally covers you, not your roommate. We can advise you on how to set up individual policies to avoid confusion during a claim.
Common Questions About NY Renters Insurance
How much does renters insurance cost in Suffolk County?
Renters insurance is one of the most cost-effective products we offer. Coverage is surprisingly affordable and can often be bundled with your auto policy for additional savings.
Does renters insurance cover flood damage?
Standard renters policies cover water damage from internal sources (like a pipe bursting or a tub overflowing). However, they typically do not cover damage from external flooding (rising water from storms). If you live in a basement apartment or a flood-prone area, ask us about a separate flood policy.
I don’t own much. Do I really need insurance?
Take a moment to mentally add up the cost of everything you own: your wardrobe, smartphone, laptop, gaming console, couch, and mattress. The total is usually thousands of dollars higher than people expect. Could you write a check to replace it all tomorrow? If not, you need insurance.
Get Your Proof of Insurance Today.
Need a policy to sign your lease? We can get you covered and email your proof of insurance in minutes.
Quick Link:
Information:
Address:
248- 260 Middle Country Rd #18
Selden, NY 11784
Phone:
Hours:
Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 6pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 12pm
Closed Sunday
Burroughs We Serve in NY:
Manhattan, Bronx, Brooklyn, Staten Island and Queens
Counties We Serve in NY:
Suffolk and Nassau, Long Island and all of NY
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