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Renters Insurance for Apartments and Homes
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Why Renters Need Coverage
Your Stuff is Not Covered By the Landlord
A renters policy covers your personal property from fires, theft, and certain water damage. It also includes personal liability and loss of use if you need temporary housing. Many landlords in New Orleans and Metairie require proof of coverage. Bundle with Auto insurance to lower both premiums.
What A Policy Covers
Personal Property, Liability, and Loss of Use
Choose limits for furniture, electronics, and clothing, then decide on replacement cost so you can buy new items. Liability helps if a guest is hurt or you accidentally damage another unit. Loss of use pays for hotel or rent elsewhere after a covered loss. Add coverage for jewelry or bikes and ask about Umbrella insurance if you want higher liability protection.
FAQ – For Renters
Clear Answers Before you Move In
Does it cover roommates?
Only listed insureds are covered. Each person should have a policy.
Is flood included?
No. Contents flood coverage can be added through a separate policy if needed.
How much coverage should I carry?
Start with an inventory. Many renters select 20 to 50 thousand in personal property coverage.
Protect Your Belongings, Wherever You Live
Affordable Coverage for Louisiana Renters
Even if you don’t own your home, your possessions matter. Renters insurance covers personal property and liability for everyday peace of mind.