Tenant Rights in New York State: What You Need to Know
Renting your home comes with a lot of great perks including fewer responsibilities and a lower level of commitment to your current residence. But renting can also raise some challenges; especially when you don’t always see eye to eye with your landlord.
Unfortunately, misunderstandings and disagreements can sometimes escalate to more than just dissatisfaction, with landlords using tactics such as eviction threats or raised rent to control you, the tenant, or force you out of your living space.
To help navigate the various disagreements and situations that can arise between renters and their landlords, New York State has passed a new series of laws designed to protect renters in sticky legal situations.
Read on to learn more about some of the highlights from these changes and your rights as a renter.
How Much Home Insurance Do You Need?
The right amount of home insurance depends on the value of your home plus how much you have in personal property and assets. In case of a claim, you need enough coverage to rebuild your home, replace your belongings, and protect your wallet—if you're liable for someone else's injuries or damages. Additionally, you need coverage for daily expenses if you can't occupy your home while it's being repaired due to a covered loss.
Making sure you're properly protected on your home insurance policy involves checking the limits on four separate coverages: dwelling, personal property, liability and loss of use: