Renters Insurance Baton Rouge – The Brignac Group

Renters Insurance Baton Rouge

The Brignac Group makes renters insurance Baton Rouge a breeze. Even if you don’t own a home, you still have a lot of property to protect. And just because your landlord has coverage doesn’t mean that you do, too. In most cases, your landlord’s insurance policy covers only structural damage to the building itself. If the structure goes up in flames, your landlord’s coverage would include repairs to the building, but not reimburse you for your personal possessions.

Renters insurance Baton Rouge provides protection against both property loss and liability in the event that you cause injury or property damage. At The Brignac Group we are the final piece your personal renters insurance Baton Rouge puzzle.

What does renters insurance Baton Rouge cover?

  • your possessions against damage by things such as fire, smoke, lightning, vandalism, theft and water damage
  • additional living expenses related to making other living arrangements
  • medical expenses for treating people injured on your premises
  • property stolen, lost or damaged anywhere you happen to be
  • legal defense costs in a lawsuit

Renters should consider the following:

  • You purchase/accumulate possessions over time. This fact makes it more obvious that a renter may own tens of thousands of dollars of personal possessions/property that needs to be insured
  • Many belongings are very high-value. Renters should consider what jewelry they own and pay particular attention to their electronics situation (computers, Flat Screen TVs, stereos, DVD players, gaming systems, etc.)
  • Renters insurance Baton Rouge is affordable, often well under $200 per year (in most cases).
Baton Rouge Renters Insurance

Frequently asked Questions about Renters Insurance Baton Rouge:

  1. How much renters insurance Baton Rouge do I need? 
    Contact us about the property you want to protect. We can give you coverage policy specifics based on the type of policy you want.
  2. Can I get a discount on renters insurance Baton Rouge if my residence has particular safety features, like a burglar alarm?
    Many insurers will reduce your premiums if you have a monitored fire or burglar alarms, fire extinguishers, sprinkler systems and/or deadbolts on exterior doors. Some companies might also offer discounts if you have more than one policy with them.
  3. Does renters insurance Baton Rouge only cover me when I’m at home?
    Many policies do not limit protection to home-based situations. For example, someone breaks into your car and steals your golf clubs. Renters insurance Baton Rouge often provides coverage.
  4. Does renters insurance Baton Rouge include personal liability?
    A renters insurance Baton Rouge policy covers your property and your personal legal responsibility (or liability) for injuries to others and/or their property while they are on your property.
  5. If my apartment is being repaired and I have to live elsewhere temporarily, will I receive additional living expenses?
    If there is damage to the building (by a covered peril) you are renting and you must live elsewhere while the building is being repaired, you will have coverage for additional living expenses during the reconstruction period.
  6. How much does renters insurance Baton Rouge cost?
    Because renters insurance Baton Rouge covers only the value of your belongings, not the building, the premium is relatively inexpensive. Less than the cost of going to out to eat once a month, you can get renters insurance Baton Rouge .

Protect your assets with an affordable renters insurance Baton Rouge policy – (225) 292-1100

Purchased an older home that was totally remodeled recently.  Unlike other companies, The Brignac Group was able to use a construction date of 2017.  A huge savings in insurance cost!

Neal from New Orleans, LA

Life insurance was confusing to me.  The Brignac Group provided simple explanations to the types of insurance and made sure I purchased the best type of plan for the right purpose and need.

Joe from Prairieville, LA

I have been a client of The Brignac Group for many years.  I recently got married.  My spouse was insured elsewhere.  We bundled our home, auto, boat, and RV insurance.  Happy to say The Brignac Group is our agency of choice.

Lynn from Lafayette, LA

During the aftermath of the Great Flood of 2016, my agent was present when my claims adjuster visited my home to assess the damages.  My agent was involved every step of the way during the remodel process.  Thank you The Brignac Group for going above and beyond in helping me.

Dennis from Denham Springs, LA