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Renters & Condo Insurance

Protection for Where You Live—Even If You Don’t Own It
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Whether you rent a walk-up in NYC or own a condo in Ithaca, protecting your space and your belongings is just as important as protecting a house. At W.J. Farmer Insurance, we help renters and condo owners across New York find the right coverage for their lifestyle and budget. Many landlords and condo associations require insurance—and even when they don’t, it’s one of the smartest financial decisions you can make. We'll guide you through the differences, explain what your policy actually covers, and make sure you're not paying for things you don’t need. No pressure, no fluff—just straightforward advice from people who care.

Personalized Coverage for Apartments, Condos & Everything In Between

Renters & Condo Insurance That Fits Your Life

We’ll help you understand what’s covered, what’s not, and how to protect the things that matter—whether you're renting in Buffalo or own a condo in Long Island.


Standard policies typically include:

  • Personal property coverage for furniture, electronics, clothing & valuables
  • Liability protection if someone is injured in your space
  • Loss of use coverage to pay for temporary housing after a covered claim
  • Condo unit interior protection (walls, floors, cabinetry, fixtures)
  • Loss assessment coverage for condo association claims
  • Coverage for theft, fire, vandalism, water damage & more


What You Can Expect from W.J. Farmer

Easy, Affordable Coverage You Can Count On

We make getting covered simple—whether you’re starting a lease, renewing a mortgage, or shopping for a better rate. You'll get personal service, clear communication, and coverage that makes sense.


You’ll get:

  • Affordable coverage that meets landlord or HOA requirements
  • Bundle discounts when combined with auto or umbrella insurance
  • Fast proof-of-coverage for lease or mortgage paperwork
  • Help understanding condo bylaws and association requirements
  • Flexible policies with top-rated insurance carriers


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Add Extra Protection If You Need It

Optional Add-Ons for Renters & Condo Owners

Depending on your lifestyle or property type, a few small additions can make a big difference. We'll help you choose extras that are actually worth it.

  • Valuable items coverage for jewelry, fine art, or collectibles

  • Identity theft recovery assistance

  • Earthquake coverage (available in some areas)

  • Home-based business or remote work equipment protection

  • Pet liability coverage

Let’s Make Sure You’re Protected—No Matter Where You Live