Renters Insurance in Baton Rouge, LA

Securing appropriate renters' insurance for yourself and your personal property is essential. It can serve as financial protection if a covered event damages your rental property or someone gets injured on your property.

What Does Renters' Insurance Cover?

Policy specifics may vary depending on the insurer, but renters' insurance generally covers the following:

• Personal property coverage may cover repairing or replacing your appliances, clothing, electronics or furniture due to fire, theft, vandalism or certain weather events.

• Personal liability coverage may help pay for medical expenses if you cause bodily injury to another person, or associated costs if you’re responsible for damaging someone else’s property.

• Additional living expenses (ALE) coverage may reimburse your food, shelter and other costs if you temporarily move out of your rental due to a covered event.
  
  

How Do Renters' Insurance Claims Work?

When you file a renters' insurance claim, you ask your insurer for compensation according to your policy’s terms. The insurer assigns an adjuster to your claim, and they evaluate your coverage and the circumstances of your loss. If your claim is approved, you will receive your payout.

In general, these are the steps you need to take if you must file a claim:

• Document all damage to your personal property.
• Contact your insurer’s claims department.
• File a claim according to the insurer’s rules.
• Maintain an open line of communication with your agent and adjuster.
  
  

Where to Get Renters' Insurance

Contact McInnis Insurance Services, Inc. to explore your renters’ insurance options and get a personalized quote.