How much is renters insurance in Appleton, NY

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The average cost of renters insurance in Appleton, NY is $315 per year (for insurance coverage of $40,000 in personal property coverage, $100,000 in liability coverage, and $1000 as deductible) — that’s $38 less than the state average of $353 a year.

It can be higher or lower depending on the coverage options you choose and the amount of liability the policy provides. If you live in a rented apartment or home, you should consider buying renters insurance because it protects your personal belongings from damage caused due to covered peril such as fire or smoke damage, theft, vandalism, and other mishaps.

We did a thorough analysis of renters insurance companies to find the most affordable options for Appleton renters. Keep reading to find out the cheapest renters insurance companies in Appleton.

What is the average cost of renters insurance per month in Appleton?

On average, the cost of renters insurance in Appleton is $26 a month. It’s $3 less than the state average of $29. Renters in Appleton pay these rates for the coverage limit of $40,000 personal property coverage, $1,000 deductible and $100,000 liability protection coverage.

The renters insurance rates vary by city depending on your insurance provider and the coverage limits you decide. For example, renters in Appleton pay $20 per month for personal property coverage of $20,000 and $1,000 deductible. However, if you decide to increase the personal property coverage limit to $40,000, you will pay $6 more for renters insurance.

Now, you’ll have to decide how much coverage you need and how much you can afford. However, it is recommended, if your personal belongings consist of expensive jewelry, furniture, and electronics, you should choose higher coverage limits.

How much is renters insurance in Appleton by deductible?

The renters insurance cost in Appleton is $255 per year for a $500 deductible and $20,000 as personal property coverage. A deductible is an amount you agree to pay before your insurance company kicks in. If you increase your deductible limit, your insurance cost will go down. For instance, if the personal property coverage is the same, i.e., $20,000, but you increase your deductible limit from $500 to $1,000, you will pay $13 less every year for insurance.

Below are the renters insurance rates for different personal property coverage and deductible amount.

Deductible	$20,000 personal property	$40,000 personal property	$60,000 personal property
500	$255	$335	$417
1000	$242	$315	$390

Note: The liability protection coverage is $1,000.

Read our guide to know what does renters insurance cover.

Who offers cheap renters insurance in Appleton?

Your search for the cheapest renters insurance company ends here.

State Farm offers the cheapest renters insurance in Appleton at about $130 a year or $11 per month. According to Insure.com data analysis, Allstate ranks second on our list followed by Travelers.

Our experts at Insure.com evaluated renters insurance quotes from all the big and small insurance companies in Appleton and put together a list of the most affordable insurance carriers. Below are the average annual and monthly rates of the cheap renters insurance companies across Appleton, NY.

Renter insurance provider	Average annual rate	Average per month rate
State Farm	$130	$11
Allstate	$161	$13
Travelers	$190	$16
Nationwide	$219	$18
NYCM Insurance	$262	$22
American Family	$264	$22
Chubb Ltd	$268	$22
USAA	$295	$25
Heritage Insurance Holdings	$335	$28
Farmers	$454	$38
AIG	$1,203	$100

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Appleton for $40,000 personal property coverage, $100,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment.