Renters Insurance in Baton Rouge, LA

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Renters insurance in Baton Rouge, Louisiana

It's very important to maintain an active renters insurance policy if you're renting a home. It protects your rental unit — and any personal belongings within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Since bad things do happen, the affordable price of renters insurance, and the potentially high cost of replacing your belongings, a renters insurance policy is a solid investment.

Renters insurance premiums are dictated by myriad factors, including your building's age, the materials from which it’s made, its location, and the pricing guidelines of your renters insurance company. In areas prone to hail, fire, lightning, or damaging wind, renters insurance could be more expensive to account for the additional risk.

The average yearly cost of renters insurance in Baton Rouge is $273.

Finding reliable renters insurance in Baton Rouge starts with comparing policies. Review our list of Baton Rouge, Louisiana renters insurance premiums to commence your purchase process with as much background info as possible. Note that rates will vary based on coverage limits and other factors.

Jump to:

  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts

Popular renters insurance companies in Baton Rouge

Insurance premiums in Baton Rouge vary based on the insurance company you choose. For instance, USAA offers the most affordable renters insurance in Baton Rouge, at just $124 per year. This compares favorably to the city's typical renters insurance cost of $273, providing a $149 price break on the city's normal rates.

Start your search for a renters insurance policy by reviewing the cheapest companies in Baton Rouge.

CompanyAverage Annual Rate in Baton Rouge
State Farm$154
Centauri Specialty$167

Baton Rouge renters insurance pricing by coverage level

Your renters insurance rates will vary depending on your coverage levels. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Baton Rouge, the annual cost differential between these levels is about $111. If you can afford the up-front expense, it's worth considering.

Coverage LevelAverage Annual Rate in Baton Rouge
$25K Property$217
$50K Property$328

Tip: bundle your auto and renters insurance policies in Baton Rouge

If you’re looking to cut your insurance expenditures, purchase your renters and auto policies from the same company. Combining renters and car insurance in Baton Rouge can result in substantial savings. In fact, bundling renters and auto insurance leads to average savings of 5.0% on car insurance rates. The car insurance company with the cheapest bundled rate is GEICO, followed by Progressive and Southern Farm Bureau.

Annual Bundle SavingsBundle Savings %

Need renters insurance? Talk to an expert today.