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Fewer New York State residents are taking advantage of cost-effective renters’ insurance, even as premiums in the state decline, the New York Insurance Association reveals.

According to the National Association of Insurance Commissioners, the average renters’ insurance policy premium in New York State decreased from $220 per year in 2006 to $210 per year in 2011. This is still higher than average nationwide premiums, which have remained virtually unchanged over the last decade, averaging approximately $185.

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