Coverage. Coverage generally provided under a Renter's Policy includes: Personal Property; Loss of Use; Personal Liability; Medical Payments to Others. 'Personal property' covers your personal belongings both inside and outside your home for theft, fire, vandalism, etc.Let's explore the ins and outs of renters insurance in New York. Our personal property calculator can help you customize your renters insurance policy with what works for you based on your personal belongings. Renters insurance covers damage to your personal belongings, the costs of living if your apartment becomes uninhabitable, and even offers liability coverage. Call (347) 271-7166 for renters insurance and more. Get a free renters insurance quote from State Farm Agent Hector Camilo Jr in Bronx, NY. Learn about renters insurance in New York, including details about coverages, cost information, and discounts. Are you renting in New York? Without renters insurance, you'll have to pay out of pocket to repair or replace your personal items.