Louisiana Landlord Insurance

Independent insurance agency serving the insurance needs of landlords in Baton Rouge, Denham Springs, Central, and all of Louisiana since 1974.

Purchasing a rental property in Louisiana can be an excellent investment, but only if you protect your investment with the right coverage. Landlord insurance provides the coverage you need to protect your property from damage and to protect you from personal legal liability.

Guffey Insurance Agency, Inc. can help you find a landlord insurance policy that is tailored to meet your specific needs.

 

About Landlord Insurance

Owning a rental property is a huge investment. Guffey Insurance understands the needs of landlords in Louisiana. A landlord insurance policy provides protection for the property owner who is renting out space to others.

A landlord should be financially protected in the chance of damages due to natural disasters, fires, break-ins, or other perils. The right landlord protection can help cover the loss of any income in the event that your rental units are damaged.

Landlord Insurance Coverage Options

A landlord insurance package can provide several types of coverage. The most common include:

Liability insurance — This coverage will help protect you against liability claims and lawsuits that occur on your property. If a renter or visitor is injured on your property, your liability insurance policy can help protect you from claims made against you. It will also help you cover the costs of bodily injuries that occur on your property.

Your policy may also protect you when you are responsible for damaging another person’s property.

Property damage — Owning a rental property is a huge investment. Property coverage can help protect damages to your building in the event of a natural disaster, fire, or other covered event. If damages like this occur, your landlord property coverage will help you cover the costs.

Loss of income — If your rental property has a loss of income due to property damages, your rental property will be protected through a loss of income protection plan. This insurance coverage will help protect you from losing income you would have made if you were not dealing with damages to your rental property.

What If I Need Extra Coverage?

Always keep in mind that you are not limited to a certain amount of coverage. As a landlord, you can always purchase additional coverage to help protect you and your rental property.

Always keep in mind that you are not limited to a certain amount of coverage. As a landlord, you can always purchase additional coverage to help protect you and your rental property.

Some extra coverage options to consider include:

  • Personal Umbrella Coverage
  • Vandalism and Burglary Coverage
  • Building Codes Coverage
  • Under Construction Coverage

Many landlords supplement their coverage with personal umbrella insurance for broader protection. We can help you determine whether or not purchasing extra protection is a good idea for you.

We’re Here to Help

Guffey Insurance Agency, Inc. understands the importance of protecting you and your investments. We want to make sure that you, your property, and your tenants are covered.

Every situation is unique — contact Guffey Insurance Agency, Inc. today to learn more about the right landlord insurance policy for you and your property.

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