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Renters insurance in Metairie & Louisiana
The place is rented
The life inside is yours
Your furniture, clothes, laptop and everyday essentials help make a rental feel like home. Your landlord’s insurance generally protects the building and the landlord’s property—not your belongings.
Kati Cheek Insurance helps renters in Metairie and across Louisiana understand personal property, liability and additional living expense coverage. Start with a brief request, and our team will help coordinate the next step.
Free, no-obligation request. Coverage is subject to eligibility and policy terms.
Personal belongings · Liability · Additional living expenses
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What does renters insurance cover?
A renters policy typically combines protection for qualifying belongings with personal liability coverage. Other protections may be included or available, depending on the policy.
Personal belongings
Personal property coverage may help repair or replace furniture, clothing, electronics and other belongings after covered events such as fire or theft. Your deductible, limits and valuation method affect the amount payable.
Personal liability
Liability coverage may help with covered claims when you are legally responsible for another person’s injury or property damage. Coverage can include defense costs, subject to policy terms.
Additional living expenses
If a covered loss makes your rental uninhabitable, loss-of-use coverage may help with qualifying increases in living costs, such as temporary lodging or meals. Time limits and dollar limits apply.
Medical payments to others
Some policies include limited coverage for qualifying medical expenses when a guest is accidentally injured, regardless of fault. This is different from your own health insurance.
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Your landlord’s policy and your policy do different jobs
The property owner’s insurance generally addresses the building and the owner’s property. Renters insurance is designed around your belongings and qualifying personal liability exposures.
For example, a covered apartment fire could damage both the building and your furniture. Your landlord’s building policy generally does not pay to replace your sofa, clothes or laptop. Your renters policy may respond to covered damage to those items.
Check your lease for any insurance requirements and ask an insurance professional about limits and proof of coverage.
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Louisiana renters should ask about water damage
A standard renters policy generally does not cover flooding. Certain sudden plumbing-related water damage may be covered, while sewer or drain backup may require an endorsement. The source of the water and the policy wording matter.
Separate flood contents insurance may be available to renters. Do not assume a landlord’s flood policy covers your belongings, or that living outside a high-risk flood zone removes the risk.
Ask our team how renters and flood coverage differ, especially for a ground-floor rental or a property with drainage concerns.
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Choose coverage around what you actually own
Start with a room-by-room inventory of your belongings. Include furniture, electronics, clothing, cookware and other everyday items—the total replacement cost can be more than you expect.
Replacement cost or actual cash value?
Replacement cost coverage generally considers the cost of replacing an item with a comparable new one, subject to policy conditions. Actual cash value generally accounts for depreciation. Ask how claims payments are calculated.
How much could you pay out of pocket?
Your deductible is the amount you are responsible for on an applicable covered claim. Review both the premium and deductible before choosing a policy.
Do valuable items need extra protection?
Jewelry, collectibles and certain other items may have special limits, particularly for theft. Ask whether scheduled personal property or another coverage option is appropriate.
Who is included on the policy?
A roommate is not automatically insured simply because you share an address. Ask which household members are covered and whether separate policies are needed.
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Renters insurance has limits and exclusions
Policies do not protect against every loss. Flooding, earthquakes, ordinary wear and tear, preventable damage and some business-related property or liability exposures may be excluded or limited.
Vehicles require separate auto insurance. A renters policy may cover qualifying belongings stolen from a car, but it does not replace the car itself. Pet-related liability can also be subject to exclusions or restrictions.
Discuss valuables, home-based work, roommates and pets with the licensed insurance professional reviewing your options.
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What affects the cost of renters insurance?
Your premium can depend on the rental location, selected limits, deductible, claims history, policy options and other rating factors permitted by law.
There is no single price that applies to every renter. Ask about available discounts or combining renters and auto insurance, but compare the actual coverage and total premium. Eligibility and savings vary.
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Protection with heart, guidance you can trust
Our agency’s approach begins with listening. Whether you are moving into your first apartment, renting a house or reviewing an existing policy, our team helps you take the next step with clarity and care.
At Kati Cheek Insurance, you can expect a personal conversation, straightforward explanations and a connection to the appropriate licensed insurance professional for coverage advice.
Here for life’s worst days, and all the good ones too
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How your renters insurance request works
01
Tell us what you need
Share your name, phone number, email and interest in renters insurance. You do not need a complete inventory to make an initial request.
02
Speak with our team
A member of our team will contact you to confirm your interest and coordinate the appropriate next step.
03
Review available options
A licensed insurance professional can gather rental details, explain available options and help you review your coverage questions.
Helpful answers
Louisiana home insurance questions
Does my landlord’s insurance cover my belongings?
Generally, no. The landlord’s insurance protects the building and the landlord’s property. A renters policy may protect your qualifying belongings against covered losses.
Is renters insurance required by my lease?
Your landlord or property manager may require renters insurance. Review your lease for required limits, proof of coverage and any other conditions.
Does renters insurance cover flooding?
Standard renters insurance generally excludes flooding. Renters may be able to purchase separate flood contents coverage. Ask about the effective date and any waiting period.
Are my roommate’s belongings covered?
Not automatically. Coverage depends on who is insured under the policy. Tell your insurance professional about your household and ask whether separate policies are needed.
Can belongings be covered away from home?
Some policies cover qualifying belongings away from the insured rental, subject to limits, deductibles and exclusions. Ask about theft from a vehicle or property kept in storage.
Will a renters policy pay for a hotel?
Loss-of-use coverage may help with qualifying additional living expenses if a covered loss makes your rental uninhabitable. It does not apply to every reason for leaving home.
What information is needed for a quote?
After the initial request, an insurance professional may ask for your rental address, move-in date, household details, desired limits, claims history and lease requirements.
Can I combine renters and auto insurance?
Options may be available depending on eligibility and the insurer. Ask about coverage and any applicable discounts without assuming a particular saving.
How do I request renters insurance in Metairie?
Start a renters insurance request with Kati Cheek Insurance or call (504) 455-1234. Our team will confirm your interest and connect you with the appropriate person.
Start with a conversation
Let’s protect what makes your rental home.
Moving in, changing rentals or reviewing an existing policy? Tell our team what you need, and we’ll help coordinate your next step.
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Email: [email protected]
Contact Number:
(504) 455-1234
Text Option Available At: 504-455-1234
Location: 4515 Shores Dr., Ste. 102, Metairie, LA
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