Renters Insurance

Renters Insurance Quote Form

Complete the form below to receive a FREE comprehensive Renters Insurance Quote. If you have any questions or you would prefer to fill this form out over the phone, you can reach one of our sale team members at (504) 835-1602.

Important Notice

Coverage cannot be bound, amended, or cancelled via online forum.  You cannot bind, alter, or cancel coverage without speaking to an authorized representative of Expert Insurance Services.  Coverage cannot be assumed to be bound without written confirmation from an authorized representative of Expert Insurance Services or your insurance company. If you have any questions, please feel free to contact us.

Per the terms of our online privacy policy we will not resell your information to any third-party.

What is Renters insurance?

Renter Insurance (HO-4 Contents-Only) is a form of Homeowners Insurance that covers personal property against the same perils as the contents portion of a HO-2 or HO-3 policy. A Renters Insurance policy generally also includes liability coverage for personal injury or property damage inflicted on others. 

This policy is primarily designed for the non-homeowner occupant.

A landlord or building owner’s property insurance policy will never cover a tenants’ property; including situations where an adult child, parent or an unmarried partner is living with a homeowner.

Coverage includes:

  • Personal Property (Coverage C)

  • Loss of Use (Coverage D)

  • Personal Liability (Coverage E)

  • Medical Payments to others (Coverage F)

You can learn more about coverage types on our Homeowners Insurance information page.

Photo by Patrick Perkins on Unsplash

  • Yes, your landlord or rental company may require proof of renters insurance before you're permitted to move into an apartment or rental home.

  • Renters insurance is relatively inexpensive, about $300-$400 a year for $25,000 coverage. Most of the large auto insurance companies also offer Renters Insurance, and generally an insured with both Auto and Renters Insurance with the same company will qualify for a Bundling or Multi-policy Discount on both policies.

    • Paperless Discount (electronic statements and notifications)

    • Paid-in-full Discount (instead of monthly payments)

    • Bundling or Multi-policy Discount (You can receive a quote by  completing our Auto Insurance Quote Form)

    • Protective Device Discount (fire alarms, smoke detectors, carbon monoxide sensors, security system, deadbolt locks)

    • Secured Community / Building Discount (gated neighborhoods or buildings with a security service)

  • There are no extra costs for adding an additional interested party to a renters insurance policy. Adding a  landlord or property management company as an interested party to your policy will provide them with automatic notifications if your coverage changes, lapses, or is canceled. 

    To add your landlord or property management company as an interested party you will need their:

    • Full Name or Company Name

    • Address

    • Contact Information