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louisiana renters insurance

Scrumptious gumbo and colorful Mardi Gras celebrations — what's not to love about renting in Louisiana? And to help you get the most out of living in your loveable locale, Esurance can help you find affordable renters coverage.

Louisiana renters insurance helps protect you and your valuables, at or away from home, so that you can rest assured knowing you have the proper financial protection if life takes a wrong turn.

So if someone breaks into your apartment and steals your TV while you're partying in the French Quarter, or your laptop's stolen from your car, you won't be stuck paying out of pocket to replace them.

do i need renters protection in louisiana?

Unless it's part of your lease agreement, you're not required to have renters insurance in Louisiana.

Many renters go uninsured because they assume that any in-house accidents or damage done to their personal items are covered by the landlord. But although landlords insure the structure of a rental unit, they're not responsible for your belongings, your liability, or additional living expenses if you have to temporarily relocate after an accident.

average cost of renters coverage

Dealing with disaster doesn't need to break the bank. You can keep your stuff safe for about $10 a month on average.*

By adding Esurance renters coverage to your car insurance quote or existing auto policy, you'll also be eligible for the Renters Plus® discount.**

what renters insurance covers

Here's an idea of what comes with a standard policy on your rental home.

Your personal property

Renters insurance helps with costs due to theft or covered accidents (like a fire in your home). It even insures some valuables you may have with you when traveling.

Your liability

Sadly, injured parties sometimes sue. If an accident becomes a lawsuit, renters insurance can help with your legal fees.

Medical payments

If someone is injured at your place or you accidentally hurt someone away from home, having coverage helps with their medical fees.

Additional living expenses

If a covered loss forces you out of your rental unit, your policy can help pay for incremental expenses (hotel, food, etc.) until it's safe to go home.

risks for renters in louisiana

Here are a couple more reasons why it pays to be covered.

Wild weather in the Boot State

Louisiana averages about 30 tornadoes per year. With such destructive weather, it's hard to be certain your home can withstand the elements and keep your stuff safe. Having renters coverage can help repair or replace your possessions if disaster strikes.

Coverage for college students

Most students only take the bare essentials with them when they leave home for college: you know, gaming systems, laptops, TVs, and maybe the token futon. Basically, the kind of stuff you'd hate to have stolen.

Renters insurance for students makes sense because it costs less than a coffee-fueled all-nighter (and actually reduces stress). While some students may be able to use their parents' existing home insurance policy if an incident happens, coverage depends on the age of the student and the type of accommodation they're living in.

Related links

Louisiana car insurance
Get an auto insurance quote and learn about required coverages in Louisiana.

Hurricane driving safety
Get helpful tips on preparing for storms and navigating through them.

Take a home inventory
A detailed list of your items can make coverage and claims easier than ever.

Get a renters insurance quote and see how much you can save.

or call 1-866-439-5633