Renters Insurance in Baton Rouge

Serving Customers Across Louisiana Since 1968

Looking for reliable renters insurance in Louisiana? At Lewis Mohr Insurance, we help renters across Baton Rouge and beyond protect their belongings, stay covered in case of liability, and gain peace of mind—all for an affordable monthly premium. Whether you’re leasing an apartment, house, or condo, renters insurance is one of the smartest investments you can make.

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5 Stars
Brittany was able to save me almost half off the rate I was getting with my previous provider, while still keeping the same coverage! Fast and easy to work with. Highly recommend Brittany with Lewis Mohr!
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Layne S.
5 Stars
Jeff and staff are a great group of professionals who care about the consumer. The process was seamless and I highly recommend them!
–
Joseph C.

Why Choose Lewis Mohr Insurance Agency

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Top Questions About Renters Insurance in Louisiana Answered

Answered by
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Updated on
Jul 25, 2025
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Resources to Explore

What Renters Insurance Usually Covers

  • Personal Property: Your furniture, clothing, electronics, and other belongings are protected against damage or loss caused by fire, theft, vandalism, water damage (not flood), and more.
  • Liability Protection: If someone is injured in your rental or you accidentally damage someone else’s property, liability coverage helps with legal and medical expenses.
  • Loss of Use / Additional Living Expenses: If your home becomes uninhabitable due to a covered loss, renters insurance pays for temporary housing, meals, and other living expenses.
  • Medical Payments to Others: Covers minor medical costs for guests injured on your property, regardless of fault.
  • Optional endorsements can include identity theft protection, replacement cost coverage, and scheduled personal property (for valuables like jewelry or collectibles).

Did You Know?

As of spring 2025, the average monthly renters insurance premium in Louisiana is $36, which equals $428/year, making it the most expensive state for renters insurance.
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What Renters Insurance Usually Doesn't Cover

  • Renters insurance does not cover flood damage caused by external sources like hurricanes or heavy rain; a separate flood insurance policy is required.
  • It does not cover earthquake damage or losses due to ground movement unless you purchase a specific earthquake endorsement.
  • Damage from pest infestations, such as bed bugs, rodents, or termites, is not covered because it’s considered a maintenance issue.
  • Your roommate’s belongings are not covered unless they are specifically named on your policy.