The Brignac Group is a full-service, independent Baton Rouge insurance agency.
The Brignac Group - A Baton Rouge Insurance Agency
Renter's Insurance
Renters insurance provides protection against both property loss and liability in the event that you cause injury or property damage.
just because your landlord has coverage, doesn't mean you do
Additional Information
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:
- 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).
Renter's insurance covers:
- 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 lawsuitntent preview space you can use to get your audience interested in what you have to say so they can’t wait to learn and read more. Pull out the most interesting detail that appears on the page and write it here.
common questions about renter's policies
1. How much renters insurance 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 if my residence has particular safety features, like a
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 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 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 additi
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 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 .