Whether you are leasing a luxury apartment in the French Quarter or a house on the water, your landlord’s insurance stops at the front door. At Palmetto Group Insurance, we provide renters coverage that secures your personal property and provides a critical layer of liability protection, ensuring one incident doesn’t derail your financial stability.
Comprehensive Coverage for Renters
- Personal Property: Coverage for your belongings both at home and while you travel. We recommend Replacement Cost Coverage so you receive the actual cost of new items rather than a depreciated check.
- Personal Liability: Essential protection if you are held responsible for bodily injury or property damage to others.
- Medical Payments: Covers minor medical expenses for guests injured at your home, regardless of fault.
- Loss of Use: Also known as ‘Additional Living Expenses,’ this pays for temporary housing if your rental becomes unusable due to a covered loss like fire or smoke damage.
- Scheduled Items: Specific riders for high-value items such as jewelry, fine art, or expensive equipment that may exceed standard policy limits.
The Independent Edge
As an independent agency, we quickly scan the market to find the best rates from reputable carriers. If you already have an auto policy with us, we can often secure a multi-policy discount that makes your renters insurance remarkably affordable while simplifying your monthly management.