Protect your stuff, your liability, and your peace of mind
Renters insurance through Progressive, placed by a Louisiana independent agency that lives where you live. We quote it in minutes, write it the same day, and stay on your file long after the policy is issued. We are the neighbor who knows what is in the fine print so you do not have to.
Independent agency. We work for you, not the carrier.
Louisiana renters pay more and have more to protect than most of the country
We are going to be honest with you up front, the way a good neighbor would be. Louisiana is among the most expensive states in the United States for renters insurance. The reasons are baked into where we live. Hurricane and tropical storm season runs five months out of every year. Our tort environment produces higher liability settlements than the national norm. Much of our rental stock is older with electrical and plumbing systems that produce more frequent losses. Our urban property crime rates run above the national average. None of that is in your control. What is in your control is whether you carry coverage and how you structure it, and that is the conversation we want to have with you.
Louisiana versus the national average
Source: NAIC most recent state-level dataset for renters insurance.
The roughly seventy-three dollar annual gap between Louisiana and the national average is what hurricane exposure, tort risk, and our rental building stock cost the average Louisiana renter. Other research sources cluster Louisiana between two hundred forty three and five hundred seventy nine dollars per year, depending on the coverage assumed. The honest answer is that Louisiana renters typically pay between fifteen and forty dollars per month for renters coverage. The ZIP code lookup further down this page will narrow that range for your specific area.
That money protects more than most renters realize. Here is what is actually included.
Four coverages, one policy, one local agent
A standard renters policy through Progressive includes four core coverages on the same policy, and the four work together more often than people realize. The cards below give you the headline on each. The tabbed section below them goes deeper, with what is and is not covered, the typical limits, and a Louisiana scenario for each so you can see the coverage actually doing its job.
Personal Property
Pays to repair or replace your belongings when they are stolen, damaged, or destroyed by a covered loss, whether the loss happens at home or while you are away from it.
Personal Liability
Pays for medical bills, lost wages, and legal defense when you are legally responsible for someone else's injury or property damage. One hundred thousand dollars is the standard limit on a Progressive renters policy.
Loss of Use
Pays for hotel, food, and additional living expenses above what you would normally pay if a covered loss makes your rental uninhabitable. The coverage runs until the unit is livable again or your limit is reached.
Medical Payments to Others
Pays small medical bills when someone is injured in your home, regardless of who was at fault. Designed to settle minor injuries quickly and keep them from becoming liability lawsuits.
Go deeper on each coverage
Select a coverage to see what it covers, what it does not, typical limits, and a Louisiana-specific example.
What it covers
Your clothing, electronics, furniture, appliances, tools, bicycles, instruments, and the everyday items that make a rental yours. Coverage applies when an item is stolen, damaged, or destroyed by a covered loss, and it follows you off the property. A laptop stolen from a coffee shop in Mid-City, belongings taken from your trunk in the Quarter, or a suitcase damaged on vacation are all covered by the same policy, subject to the off-premises limit.
What it does not cover
Flood damage, earthquake, ordinary wear and tear, pest infestation, intentional damage, and damage from a pet you own. High-value categories like jewelry, firearms, fine art, and silver have sub-limits that may not match the actual value of those items, so they are typically scheduled separately if their value is significant.
Typical limits
Most Louisiana renters pick a personal property limit between twenty thousand and fifty thousand dollars. The right number is the cost to replace everything you own at today's prices, not what you paid for it years ago. A guided inventory usually surfaces a higher number than the renter expects.
Louisiana scenario
An apartment fire starts in a neighboring unit on Magazine Street and spreads. Furniture is destroyed, clothes are smoke-damaged, the laptop is gone. With a thirty thousand dollar personal property limit and replacement cost coverage, the policy pays to replace those items at current prices, minus the deductible. Without coverage, that loss comes out of savings.
What it covers
Bodily injury and property damage you are legally responsible for causing to someone else, including the cost of defending yourself if you are sued. It applies whether the incident happens at your rental or somewhere else, and it includes things you might not expect, like a dog bite or damage your child causes at a friend's house.
What it does not cover
Intentional acts, business-related claims arising from a home business, certain dog breeds that are excluded by underwriting guidelines, damage to your own property, and injury to people who live with you. Auto liability is also separate, which is one reason bundling auto and renters with the same carrier matters.
Typical limits
One hundred thousand dollars is the standard limit. Two hundred thousand and three hundred thousand dollar limits are available and cost very little more. Louisiana's tort environment produces higher liability settlements than most states, so we typically recommend at least two hundred thousand dollars in liability for any renter who can afford the small premium difference.
Louisiana scenario
A guest slips on the entry stairs of your Uptown duplex and breaks a wrist. Medical bills, lost wages from her hourly job, and a settlement reach forty seven thousand dollars. Liability coverage on the renters policy pays the settlement and the legal defense costs. Without coverage, that bill is yours personally.
What it covers
The cost of staying somewhere else when your rental is uninhabitable because of a covered loss, plus the additional cost of meals and other living expenses above what you would normally pay. Hotel rooms, short-term rentals, restaurant meals beyond your normal grocery spend, laundry, and pet boarding are all typically included.
What it does not cover
Time and expense related to losses that the policy does not cover. If the cause of the displacement is flood, for example, loss of use does not apply because flood is excluded. This is one of the most consequential consequences of the Louisiana flood exclusion, and it is worth reading the next section carefully.
Typical limits
Limits are typically expressed as a percentage of the personal property limit, often twenty to forty percent, with a maximum time window of twelve months. Some Progressive policies use a flat dollar limit instead. We confirm the structure on the quote so there are no surprises later.
Louisiana scenario
A hurricane removes part of the roof of your Gentilly fourplex. Wind-driven rain destroys the ceiling and floods the living room from above. The building is uninhabitable for six weeks while repairs are completed. Loss of use coverage pays for an Airbnb during the repairs, meals beyond your normal cost, and the boarding fee for the dog, up to the policy limit.
What it covers
Small medical bills when someone who is not a resident of your household is injured at your home, paid regardless of who was at fault. The point of medical payments coverage is to handle minor injuries quickly so they do not escalate into liability claims.
What it does not cover
Injury to anyone who lives with you, injury arising from a business activity, intentional injuries, and injuries from a vehicle accident on your property. Significant injuries that exceed the medical payments limit get handled through the liability coverage instead.
Typical limits
One thousand to five thousand dollars is the standard range. The coverage is inexpensive and serves a specific purpose: making a guest's small medical bill disappear before it becomes a lawyer's letter.
Louisiana scenario
A neighbor's child trips coming down the porch steps of your Marigny shotgun and needs four stitches at an urgent care. The bill is just over eight hundred dollars. Medical payments coverage handles it the same week, and the relationship with the neighbor remains a relationship rather than a claim.
Wind is covered. Storm surge is not. The distinction matters for every Louisiana renter.
If you only remember one thing from this page, make it this. The single most expensive misconception in Louisiana renters insurance is the belief that one policy handles every part of a hurricane. It does not. A standard renters policy covers wind. It does not cover flood, and storm surge is flood. We would rather you know that on a quiet day at your desk than learn it the hard way after a storm.
Covered: Hurricane wind damage
Standard renters insurance covers damage to your belongings caused by hurricane wind, hail, lightning, and wind-driven rain entering through an opening that the wind created. Coverage applies whether the storm is a tropical depression, a tropical storm, or a major hurricane.
- Wind damage to your belongings inside the unit
- Wind-driven rain through a roof or window opened by wind
- Loss of use when wind damage makes the unit uninhabitable
- Theft after a storm if the structure becomes unsecured
Not covered: Storm surge and flood
Standard renters insurance excludes flood. Storm surge from a hurricane, rising water from heavy rainfall, river and lake overflow, and water that enters at ground level from outside are all classified as flood and are not covered by the renters policy.
- Storm surge inundation from hurricane or tropical storm
- Rainfall flooding that pools and enters at ground level
- River, lake, canal, and bayou overflow
- Sewer backup, unless added by endorsement
Flood coverage for renters is available separately as a contents-only policy through the National Flood Insurance Program. We can quote that for you alongside the renters policy. Many Louisiana renters need both to be fully covered against a Gulf hurricane, and we will tell you honestly whether your specific address is one of them.
A Louisiana detail most renters never hear about
Once a tropical storm or hurricane enters the Gulf of Mexico, carriers invoke what is called a binding restriction. New policies and coverage upgrades stop being written until the threat passes. That is why the worst time to think about renters insurance is the week a storm is forecast. The right time is before storm season starts. Louisiana storm season runs June first through November thirtieth, with peak activity from mid-August through October. If you are reading this in May or June and you do not have coverage, this is the conversation to have now, not in August.
How much does renters insurance cost in Louisiana?
We will give you the honest answer first. Louisiana renters typically pay between fifteen and forty dollars per month, with most landing between twenty and thirty. The exact number for you depends on where you live, how much coverage you carry, the deductible you select, and whether you bundle with auto. The ZIP code lookup below will give you a tighter range for your specific area.
What moves your rate
- ZIP code. Coastal proximity, theft frequency, building age, and fire department response time all factor in.
- Personal property limit. A twenty thousand dollar policy costs less than a fifty thousand dollar policy, but the premium difference is usually small.
- Liability limit. Moving from one hundred thousand to three hundred thousand dollars in liability typically costs only a few extra dollars per year.
- Deductible. Five hundred and one thousand dollar deductibles are the most common. A higher deductible lowers the premium and raises your out-of-pocket if you file a claim.
- Bundling. Adding renters to your auto policy with Progressive typically saves about three percent on auto.
- Other factors. Safety devices, gated community, claim history, and credit-based insurance scoring all play a role.
Average renters premium by Louisiana city
Cities below reflect typical ranges for a thirty thousand dollar personal property, one hundred thousand dollar liability, five hundred dollar deductible profile. Your actual premium will vary.
| City | Approx. monthly | Approx. annual | Notes |
|---|---|---|---|
| New Orleans | $28 – $48 | $340 – $580 | Coastal proximity and theft drive premiums |
| Metairie | $28 – $50 | $340 – $600 | Highest in Louisiana on some datasets |
| Baton Rouge | $20 – $34 | $240 – $400 | Inland location moderates exposure |
| Lafayette | $19 – $32 | $230 – $380 | Mid-state with moderate storm exposure |
| Lake Charles | $24 – $42 | $290 – $500 | Recent hurricane history elevates rates |
| Shreveport | $17 – $28 | $200 – $340 | Lowest hurricane exposure in the state |
| Monroe | $17 – $26 | $200 – $310 | Lowest cost-band city in the state |
| Alexandria | $18 – $27 | $220 – $320 | Inland with moderate fire and theft risk |
| Houma | $26 – $46 | $310 – $550 | Heavy hurricane exposure |
Ranges based on publicly available state and metro-level filings. Specific premiums vary by carrier, coverage, and personal factors.
Bundle auto and renters through Progressive and pay less for both
Renters insurance is one of the few products where the discount for bundling can effectively pay for the policy. Progressive publishes an average three percent discount on auto when you bundle renters, and an average savings of seven hundred ninety five dollars per year for new customers who switched both policies to Progressive together. If you carry auto already and you are paying for it without renters, you are probably leaving money on the table. We can show you the math on your specific situation in about fifteen minutes.
The single deductible benefit, explained
When you bundle auto and renters insurance with Progressive and a single covered event causes a loss on both policies, only one deductible applies instead of two. The classic example is a vehicle theft. The car itself is covered by the auto policy. The laptop stolen from the trunk is covered by the renters policy. Without bundling, you pay two deductibles. With bundling, you pay one. It is a small benefit on a quiet day and a meaningful one on the day you actually need it, which is the whole point of insurance.
Two fast paths to the same answer. Call us and we will quote both policies together on the same conversation, or start with auto and we will add renters to the same quote.
Six things most renters get wrong
We hear the same six things from new clients, and each one costs Louisiana renters real money when it goes uncorrected. The Insurance Information Institute reports that forty six percent of renters believe their landlord's insurance covers their personal belongings. It does not. Here is the honest version of the six most common misunderstandings, plus what the truth means for you.
01 "My landlord's insurance covers my belongings."
The truth
The landlord's insurance covers the structure. It does not cover your belongings, your liability, or your living expenses if the unit becomes uninhabitable. Tenant property is the tenant's responsibility, period. This is the single most expensive misunderstanding in Louisiana renters insurance, and Louisiana renters learn it the hardest way after every hurricane.
02 "Renters insurance is too expensive."
The truth
Most Louisiana renters pay between twenty and thirty dollars per month for renters insurance. That is less than most streaming service bundles, less than a tank of gas, and less than a single dinner out. The actual question is not whether renters insurance is expensive. It is whether replacing everything you own out of pocket would be expensive. The math is not close.
03 "I do not own enough to insure."
The truth
Add the cost of replacing your bed, your couch, your TV, your clothes, the kitchen, the laptop, the phone, the bike, the boxes in the closet you have not opened since you moved in. The average renter owns approximately twenty thousand dollars worth of property at current replacement cost. Most underestimate the number significantly until they sit down with a guided inventory. The personal property limit is also not the only reason to carry the policy. Liability and loss of use are the other two, and both apply regardless of how much you own.
04 "My roommate's policy covers my stuff."
The truth
A roommate's policy covers the roommate's property and the roommate's liability. It does not extend to a second roommate's belongings unless that second person is specifically named on the policy, and most carriers do not allow unrelated roommates on the same policy at all. The honest answer is that each unrelated adult in the unit should carry their own policy. The cost is low enough that splitting is rarely worth the coverage gap risk.
05 "I live in a safe area, so I do not need it."
The truth
Renters insurance covers far more than theft. Kitchen fires, electrical fires from older wiring, a neighbor's pipe that floods through a shared wall, a hurricane that takes part of the roof, a guest who slips on the stairs. Louisiana's older rental stock and weather exposure mean every renter is a candidate for at least one of those losses regardless of how safe the neighborhood feels.
06 "Renters insurance covers flood damage."
The truth
Standard renters insurance excludes flood. In Louisiana that exclusion includes storm surge, which is the most damaging part of most Gulf hurricanes. Flood coverage for renters is sold separately as a contents-only policy through the National Flood Insurance Program. We can quote both side by side and tell you honestly whether the flood policy is worth the cost for your specific address. Many Louisiana renters need both policies to be fully covered, and many do not realize it until after a storm.
Discounts available through Progressive
Progressive offers several renters insurance discounts that stack on a single policy. The bundle is the largest by a meaningful margin. The smaller ones add up. Below are the six most common discounts a Louisiana renter can earn, starting with the one that moves the needle most. We run all of them on every quote so you do not have to ask.
Multi-policy bundle
Carry both renters and auto with Progressive for the largest single available discount, plus the single deductible benefit on a bundled loss event.
Quote in advance
Quote at least one day before your policy effective date. Small, easy, and worth taking when the timing allows.
Pay in full
Pay the entire policy term upfront and earn a discount that usually exceeds the cost of carrying the payments.
Online quote
Quoting online instead of by phone earns a small discount with most underwriters in Progressive's network.
Safety devices
Working smoke detectors, deadbolts, and a monitored burglar alarm can each earn a small discount. They are also good ideas regardless of insurance.
Gated or secured community
Apartments with a guard, a key fob, or a remote-entry gate earn a small discount on most Progressive renters policies.
A real claim is the worst time to be on hold with a 1-800 number
Progressive's renters policies are underwritten through affiliated and third-party carriers, primarily American Strategic Insurance. That structure works well most of the time and can be confusing the first time a claim is filed. Our role as your independent agency is to be the same phone number every time, the same person who knows your file, and the one who keeps the process moving when the call center makes you wait. We will not hand you off and disappear.
Call Prime Harbor first
Before you call the carrier, call us. We can confirm which underwriter handles the policy, what is and is not covered for your specific loss, the claim documentation that will speed the process, and the realistic timeline. That call alone often saves hours of confusion.
We help document and file
We walk you through the documentation the carrier will want, including photos, an inventory of damaged or stolen items, receipts where you have them, and a police report if one applies. Then we make sure the claim is filed correctly with the right underwriter the first time.
We stay involved until it is resolved
Claim adjusters sometimes ask for additional information. Claim settlements sometimes need negotiation. We do not consider the claim resolved until you do. That is what an independent agent is for, and that is the difference between Prime Harbor and a one-eight-hundred number.
Local, licensed, and accountable
A+
AM Best rating, Progressive
Financial strength rated Superior
0.446
NAIC complaint ratio, Progressive renters
Lower than the industry baseline of 1.00
A+
BBB Accredited, Prime Harbor Insurance
New Orleans, Louisiana
Prime Harbor Insurance is an independent Louisiana agency. We hold contracts with multiple carriers and place each client with the carrier that fits the client, not the carrier that pays the most. For personal auto and renters insurance, our current carrier is Progressive. If that ever stops being the right answer for our Louisiana clients, we will say so plainly. That is what being a neighbor means in this business.
Renters insurance, answered
The basics
What does renters insurance actually cover?
A standard renters policy through Progressive covers four things on a single policy. Your personal property if it is stolen, damaged, or destroyed by a covered loss. Your personal liability if someone else is injured or their property is damaged because of something you did. Loss of use if your rental becomes uninhabitable. And medical payments for small injuries to guests at your home.
How much renters insurance do I need?
Enough personal property coverage to replace everything you own at today's prices, and enough liability coverage to protect your net worth and future earnings. Most Louisiana renters land between twenty and fifty thousand dollars on personal property and at least one hundred thousand on liability, with two hundred thousand recommended in Louisiana given the local tort environment.
What is the difference between actual cash value and replacement cost?
Actual cash value pays the depreciated value of an item, what it would sell for today used. Replacement cost pays what it would cost to buy a new equivalent. A six-year-old couch might have an actual cash value of three hundred dollars and a replacement cost of fifteen hundred dollars. Replacement cost is the upgrade most Louisiana renters should select, and the premium difference is usually small.
Does renters insurance cover my belongings outside my home?
Generally yes. Personal property coverage follows you. Items stolen from your car, lost on a trip, or damaged at a coffee shop are typically covered, subject to an off-premises limit that is often ten percent of your personal property limit. Higher-value items can be scheduled to clear the sub-limits.
How quickly can I get coverage?
Same day in most cases. We can quote, bind, and issue proof of insurance to your landlord within the business day, often within a few hours. The exception is during binding restrictions when a tropical storm is in the Gulf, which is the reason to buy before storm season starts.
Louisiana-specific
Is renters insurance required by law in Louisiana?
Not by state law. Louisiana does not require tenants to carry renters insurance. Landlords are allowed to require it as a lease condition, and most multi-family complexes in New Orleans, Baton Rouge, and Lafayette now do. Whether the law requires it or not, the math almost always favors carrying it.
Does renters insurance cover hurricane damage?
It depends on which part of the hurricane. Wind damage, wind-driven rain through wind-created openings, and lightning are covered. Storm surge, rising water, and flood are not. Flood coverage is sold separately as a contents-only policy through the National Flood Insurance Program. Many Louisiana renters need both policies to be fully covered against a Gulf hurricane.
What is a named storm deductible?
Louisiana law allows insurers to apply a separate, often higher, deductible to losses caused by a storm that has been named by the National Hurricane Center. The named storm deductible is governed by Louisiana Revised Statutes section twenty-two colon thirteen thirty-seven and is applied on an annual basis across all losses from named storms during the calendar year, not per storm. We will confirm the specific named storm deductible on your policy at quote.
What is a binding restriction?
Once a tropical storm or hurricane enters the Gulf of Mexico, carriers stop writing new policies and stop processing coverage increases until the threat passes. This is the binding restriction window. If you do not have renters coverage when the restriction is invoked, you cannot buy any during it. The only protection against being caught by a binding restriction is to have coverage in place before storm season begins.
If my rental becomes uninhabitable, do I still have to pay rent?
Louisiana Civil Code Article twenty-seven fifteen allows a tenant to terminate a lease early if the rental becomes uninhabitable because of a natural disaster, including a hurricane. The specifics depend on the lease language and the severity of the damage. Loss of use coverage on your renters policy is what pays for the hotel, the meals, and the additional living expenses during the period in between.
Bundling and discounts
How much can I actually save by bundling auto and renters?
Progressive publishes an average three percent savings on auto when renters is added. For new customers who switched both auto and renters to Progressive together, Progressive publishes an average annual savings of seven hundred ninety five dollars. Actual savings vary by driver, vehicle, location, and coverage. The quote is the only way to know your exact number.
What is the single deductible benefit?
When auto and renters are both with Progressive and a single event causes a covered loss on both policies, only one deductible applies instead of two. The most common scenario is a vehicle theft where the car is covered by auto and the belongings in the car are covered by renters. With the single deductible benefit, you pay one deductible instead of paying both.
Can I get a bundle quote right now?
Yes. Two paths get you there the same business day. You can call us and we will quote both policies together on the same conversation, or you can start with the auto quote form and we will quote renters alongside the auto policy. Both options put a real bundled premium in your hands the same business day.
Which discounts stack?
Most Progressive renters discounts stack. Multi-policy, quote in advance, pay in full, online quote, safety devices, and gated community can all apply to the same policy. The exact eligibility depends on the underwriting carrier and the state filing. We will run the full discount stack on the quote and explain which apply to you.
Have a question we did not cover?
Ask a Louisiana agent
Let us help you protect your home, even when it is not yours
A renters policy is one of the most cost-effective decisions a Louisiana renter can make, and we would rather help you with it now than help you regret not having it later. We can quote it in minutes, write it the same day, and stay on your file for as long as you carry the coverage. When you are ready, we are right here.
Hours: Monday through Thursday, 9 AM to 9 PM Central. Friday, 9 AM to 4 PM Central. Closed Saturday and Sunday.