The Brignac Group is a full-service, independent Baton Rouge insurance agency.
Renters insurance provides protection against both property loss and liability in the event that you cause injury or property damage.
The Brignac Group makes renters insurance 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 should consider the following:
Contact us about the property you want to protect. We can give you coverage policy specifics based on the type of policy you want.
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.
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.
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.
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.
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 .