✔ Personal Property — This is the core of renters insurance—it covers the cost to repair or replace your belongings if they’re damaged, stolen, or destroyed by a covered event (like fire, theft, or wind).

✔ Fire & Smoke Damage — If a fire breaks out in your rental—whether it starts in your unit or a neighbor’s—your renters insurance helps pay to replace damaged items like furniture, electronics, clothing, and more.

✔ Storms & Water Damage — Renters insurance typically covers sudden, accidental water damage like a burst pipe or water heater leak (excludes flood—ask us about flood add-ons).

✔ Theft & Vandalism — If someone breaks into your apartment or rental home and steals or damages your belongings, renters insurance helps cover the cost to replace them.

✔ Liability Protection —If someone gets injured in your rental or you accidentally damage someone else’s property, this part of your policy helps cover legal and medical costs.

✔Loss of Use — If a covered event (like a fire or major storm) makes your place unlivable, renters insurance helps pay for a hotel, meals, and other extra costs while you find temporary housing.

📍Special Note for New Orleans Renters: Many landlords require renters insurance as part of the lease—especially in Uptown, Mid-City, or the CBD. We can send proof of coverage directly to your landlord.