Louisiana Renters Insurance

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

You have a lot of things that are important to you – from your clothes and furniture to your sound system, sports gear, and computer. If you are currently renting an apartment, home, or other rental space, it’s important to have the right protection with a renters insurance policy.

Guffey Insurance Agency, Inc. can help you find coverage options that protect you, your family, and your personal property. We are here to help you feel confident that everything you’ve worked for is not at risk.

About Renters Insurance

If you’re renting a house, apartment, or another type of rental space, your landlord’s insurance policy will not protect what is inside of your space.

Renters insurance, also known as tenant insurance, can help protect you and your possessions.

Guffey Insurance understands how important it is to protect you and your belongings. If you’re renting, you need to make sure that you and all of your possessions inside of your rental space are protected.

Whether you’re starting out, between homes, or downsizing, Guffey Insurance Agency, Inc. will help you pick the renters insurance coverage that best fits your needs.

Coverage Options

A renters insurance policy typically includes the following coverage options:

  • Personal Possessions
  • Liability
  • Additional Living Expenses
Personal Possessions

Renters insurance covers your personal property against theft or damage subject to the limits and deductibles you select. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

If you have special valuable items such as jewelry, art, antiques or collectibles, ask about the valuable articles option which provides broader coverage and no deductible in the event of a covered loss.

Liability

In addition to protecting your belongings inside of your rental space, your renters insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select.

You can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.

Additional Living Expenses

Additional living expenses, also known as ALE, are typically included in a renters insurance policy. If your home is destroyed, your policy can cover you if you need to find another living situation. Your renters insurance policy will help cover your additional living expenses temporarily.

Some common ALE expenses that will be covered are — hotel bills, temporary rentals, or other expenses that occurred while your home is being fixed.

We’re Here to Help

Whether you’re starting out, between homes, or downsizing, Guffey Insurance Agency, Inc. will help you pick the renters insurance coverage that best fits your needs.

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

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