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// RENTERS INSURANCE
Renters Insurance in Louisiana
Think your landlord's insurance covers your stuff? It doesn't. Renters insurance protects everything inside your apartment for as little as $15/month.
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Affordable Renters Insurance in Louisiana. Don't Skip It
Renters insurance is one of the most affordable policies you can buy. Most Louisiana renters pay just $15-$30 per month. But despite the low cost, over 55% of renters nationwide go without it. That means if a fire, break-in, or burst pipe destroys your belongings, you're paying out of pocket to replace everything.
Your landlord's insurance covers the building, not your stuff. A renters policy from Chabert Insurance protects your furniture, electronics, clothing, and valuables. It also includes liability coverage if someone is injured in your apartment and pays for temporary housing if your unit becomes uninhabitable. For the cost of a few coffees per month, you get real peace of mind.
From $15
Per Month
Personal
Property
Personal property coverage for furniture, electronics, clothing, and more.
Liability protection if someone is injured in your rental unit.
Additional living expenses if fire or damage forces you out temporarily.
Coverage that travels with you. Your belongings are protected anywhere.
// WHAT'S COVERED
What Renters Insurance Covers
Personal Belongings
Covers your furniture, electronics, clothing, kitchen appliances, and other personal items if they're damaged or destroyed by fire, theft, vandalism, or other covered perils.
Theft Protection
If someone breaks into your apartment and steals your laptop, TV, or jewelry, renters insurance reimburses you for the loss, whether it happens at home or on the go.
Liability Coverage
Pays legal and medical costs if a guest is injured in your apartment. For example, if someone trips and falls. Most renters policies include $100K in liability.
Additional Living Expenses
If a fire, burst pipe, or other covered event makes your apartment uninhabitable, renters insurance pays for hotel stays, meals, and temporary housing while repairs are made.
Medical Payments to Others
Covers minor medical bills for guests injured at your rental, regardless of fault, typically up to $1,000-$5,000 per person.
Off-Premises Coverage
Your belongings are covered even outside your apartment. If your car is broken into in a parking lot and your laptop is stolen, your renters policy covers it.
Why Louisiana Renters Choose Chabert
Lowest Rates Available
We compare renters insurance quotes from multiple carriers to find you the best price in Louisiana. Most policies run $15-$30/month, and we'll find the lowest.
Bundle with Auto
Already have car insurance? Bundle your renters policy with your auto coverage for a multi-policy discount that often saves 5-15% on both policies.
LSU & Student-Friendly
Many LSU students and young professionals in Baton Rouge don't realize how affordable renters insurance is. We make it fast and easy to get covered, often in under 15 minutes.
Get Your Renters Quote
Or call (225) 395-4000 to talk to a local agent.
Louisiana Renters Insurance FAQ
Renters insurance in Louisiana typically costs $15-$30 per month ($180-$360 per year), making it one of the most affordable insurance products available. Your exact rate depends on your coverage limits, deductible, location, and whether you bundle with an auto policy. We compare rates from multiple carriers to find you the best price.
Louisiana law doesn't require renters insurance, but many landlords and apartment complexes now require it as a condition of your lease. Even if your landlord doesn't require it, we strongly recommend it. Without renters insurance, you'd have to replace all your belongings out of pocket after a fire, theft, or water damage event.
No. A standard renters policy only covers the named insured (you) and your belongings. If you have a roommate, they need their own renters policy. Some carriers allow you to add a roommate as an additional insured, but separate policies are usually the better option so each person has their own coverage limits.
No. Like homeowners insurance, standard renters insurance does not cover flood damage. In Louisiana, where flooding is a real risk, you'll want a separate renter's flood policy, available through NFIP or private carriers. Renter's flood insurance typically costs $50-$150 per year and covers your personal belongings against flood damage.
Actual cash value (ACV) reimburses you for what your item was worth at the time of loss, factoring in depreciation. So a 3-year-old laptop might only get you $300. Replacement cost coverage pays what it costs to buy a brand-new equivalent item, so that same laptop might get you $1,000. We recommend replacement cost coverage for most renters. The premium difference is usually just a few dollars per month.
Call us at (225) 395-4000 or fill out our online quote form. We'll ask about your apartment location, the value of your belongings, and any coverage preferences. Most renters policies can be bound the same day, and many renters have their policy in place within 15 minutes of calling us.
Still have questions? Call (225) 395-4000 or get your free quote.
Renters Insurance Guides & Resources
Explore our latest articles to learn more about renters insurance in Louisiana.
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Why Renters Insurance Is Worth It (Even If Your Landlord Doesn't Require It)
Renters insurance is affordable and protects more than you think. Learn what it covers, what it costs, and why every Louisiana renter should have a policy.
