Renters Insurance for Houma, Louisiana Renters

Clement Insurance Agency | Serving Houma, New Orleans & South Louisiana

Optional Add-Ons

Ask us about rental reimbursement, roadside assistance, and gap coverage — extras that make real-life driving easier.

What Your Policy Should Cover

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Personal Property

Covers the cost to repair or replace your belongings if they are damaged, destroyed, or stolen. This includes clothing, furniture, electronics, and other personal items.

Loss of Use

Helps pay for temporary living expenses, such as hotel stays or meals, if your rental becomes unlivable after a covered loss like a fire or storm.

Personal Liability

Provides protection if someone is injured in your rental or if you accidentally cause damage to someone else’s property. This coverage can help with legal costs and medical expenses.

Medical Payments

Covers minor medical expenses if a guest is injured in your rental, regardless of fault.

Personal Liability

Provides financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s property. Legal and medical costs can add up quickly—this coverage helps protect you.

Medical Payments

Pays for minor medical expenses if a guest is injured at your home, regardless of fault.

Who Needs Renters Insurance?

If you rent an apartment or home in Houma, New Orleans, or anywhere in South Louisiana, your landlord’s insurance policy does not protect your personal belongings or cover your personal liability.


Clement Insurance Agency helps local renters protect what matters most—furniture, electronics, clothing, and everyday essentials—while also providing coverage for unexpected events like fire, theft, or storm-related damage. As a local agency based in South Louisiana, we understand the risks renters face and explain coverage clearly, so there are no surprises.

Need help reviewing your options?
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How the Process Works

Step 1

Share your rental address and tell us what you want to protect.

Step 2

We explain your coverage options and costs clearly, without jargon or pressure.

Step 3

We compare fast quotes from multiple insurance carriers so you can choose what fits your budget.

Step 4

You get ongoing support from local people, whether you are setting up coverage or need help with a claim.

Frequently Asked Questions

  • How much does renters insurance cost in Houma or New Orleans?

    Renters insurance is often very affordable. Many renters in Houma and New Orleans pay less than a dollar a day for meaningful protection. Your rate depends on your location, coverage limits, and optional add-ons

  • Does renters insurance cover flood damage?

    No. Flood damage requires a separate flood insurance policy. We can help you determine whether flood coverage makes sense for your rental.

  • What is not covered by renters insurance?

    Renters insurance does not cover your landlord’s property or flood damage unless added separately. Certain high-value items may also have coverage limits. We explain exclusions clearly so you know exactly what to expect.

  • Why work with a local insurance agency in Houma?

    You get advice based on your specific address, your belongings, and South Louisiana risks—plus responsive, local service instead of a call center.

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Ready to Get Started?

Renters in Houma and across South Louisiana rely on Clement Insurance Agency for clear guidance, affordable options, and local support. Request your renters insurance quote today and protect what matters most.