Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Lafayette

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lafayette Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

45

Reviewed

28

Curated

4

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3909 Ambassador Caffery Parkway, Lafayette, LA 70503
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Liggio Insurance is a family-owned firm based in Lafayette. Since its inception in 1984, it has been creating personalized insurance solutions for families and businesses in the local community. One of the company's offerings is renters' insurance, which protects tenants from damages caused by fire, theft, vandalism, plumbing-related water damages, personal liabilities, and legal expenses. Additionally, Liggio Insurance handles home, auto, motorcycle, watercraft, and business insurance. The agency's management prioritizes education and training for its employees.

License Verified:

License: 174072

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (18)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1801 Camellia Boulevard, Lafayette, LA 70508
  • Multiple Policy Types

Why choose this provider?

Katie Sanford is an insurance professional who operates a State Farm-affiliated agency in Lafayette, where she manages a team of five agents. Her firm provides a wide range of insurance products, including renters' insurance. The policy may cover accidental losses, weather-related damages, malicious mischief, and loss of usage. It may also cover theft losses of valuable items, including jewels, furs, guns, and commercial property. Among the niche products available are auto, home, property, business, life, and health insurance.

License Verified:

License: 532825

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (62)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
107 Energy Parkway, Lafayette, LA 70508
  • Multiple Policy Types

Why choose this provider?

The Erny Insurance Agency is an independently owned and locally operated firm that delivers a broad range of insurance products and services to Lafayette residents. It provides insurance products, such as renters' insurance, umbrella policies, auto insurance, motorcycle insurance, home insurance, and condominium insurance. The company also offers specialty insurance coverage for boats, classic cars, floods, landlords, off-road vehicles, and RVs. Some of its insurance partners are Lighthouse, CNA, The Republic Group, Riscom, and Stonetrust.

License Verified:

License: 887172

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
130 Rue Beauregard, Lafayette, LA 70508
  • Multiple Carriers

Why choose this provider?

For more than 30 years, Knight Insurance TWFG has been delivering tailored coverage plans to the residents of Lafayette and all of Louisiana. It provides assistance to its clients to find insurance that will protect them and their household assets from theft, damages, or accidents while renting a property. The independent agency works with numerous insurance companies like Chubb, Fidelity, Safeco Insurance, and BlueCross Blue Shield. Knight Insurance TWFG also offers life, health, property, vehicle, and business insurance.

License Verified:

License: 651423

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
3.7 / 5 (17)
Facebook
4.8 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • What kind of property risks may be encountered in Lafayette?

    Properties in Lafayette may be at risk for severe weather disturbances such as tornadoes, hurricanes, and storms. Properties can also be at risk for crimes, such as vandalism, theft, and burglary. Lafayette is considered one of the cities throughout the country with the most crime. Damage from negligence, flooding, and earthquakes is usually not covered.

  • Does renter's insurance provide coverage if someone sues you in Lafayette?

    It depends. Lawsuits involving personal liability are covered by renter's insurance in Lafayette. Your insurance company will pay for damages and legal fees if someone sues you for property damage and bodily injuries. As an example, if a guest slips and falls in your home and sues you for medical costs, the renter's insurance will provide coverage in this situation. Personal liability coverage may notapply to car accident damage or intentional harm.

  • In Lafayette, is renter's insurance affordable?

    The average cost of renter's insurance throughout the country is around $180 per year, but Louisiana has a higher insurance cost—nearly twice as much as the national average. This is because there is a higher likelihood of severe weather disturbances in the state, which makes properties more at risk. In general, the actual cost of insurance premiums depends on the Lafayette zip code, coverage limits, and property type.

  • Can you get discounts on renter's insurance in Lafayette?

    Yes. Renters in Lafayette can save on insurance costs when they buy their car and renter's insurance from the same company. They can pay less if they buy insurance online, get a policy before the existing one expires, or enroll in automatic premium payments. Additionally, renters can also save money if their rental unit is equipped with alarm systems.

  • Do renters in Lafayette have to inform the insurance company that they have a dog?

    Yes, you need to inform the insurance company that you own a dog in Lafayette. This is because owning one increases your risk of filing claims. Dogs are more likely to cause damage to another person's property or cause injuries by biting someone. When you have increased risks, insurers usually charge you more. If you do not disclose this info, the insurer may not cover your dog-related claim.

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