For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.

Being a landlord isn’t always as glamorous as HGTV makes it look. Sure, there’s the satisfaction of owning property, collecting rent, and watching your investment grow—but there’s also leaky faucets at 2 a.m., tenants who think “no pets” applies to everyone except them, and that one mysterious stain in the carpet that nobody wants to talk about. The good news is that while you can’t control everything, you can protect yourself with the right insurance coverage.

At Dan Burghardt Insurance, we’ve been helping landlords and rental property owners for over 40 years. Licensed in both Louisiana and Mississippi, we’ve focused on communities from New Orleans and Metairie to Shreveport and Lafayette, and plenty of stops in between. If there’s one thing we’ve learned, it’s that the right insurance plan can be the difference between a temporary inconvenience and a financial nightmare.

Why Landlord Insurance Matters

Regular homeowners insurance isn’t built for rental situations. Once you decide to rent out property—whether it’s a single home, a duplex, or an apartment building—you need coverage designed for that role. Landlord insurance steps in to protect not just the physical building, but also the income stream that property generates.

Think of it as a safety net. Tenants may not always treat a property with the same love and care as an owner would. Storms happen, pipes burst, roofs leak, and sometimes things go bump in the night (and not the fun kind). Without landlord insurance, all those risks land squarely on the owner’s shoulders.

What It Typically Covers

A good landlord insurance policy usually includes three main components:

• Property Protection – Covers damage to the structure itself, as well as other items the landlord owns on site (appliances, fixtures, etc.).
• Liability Coverage – Protects against claims if someone gets injured on the property and holds the landlord responsible.
• Loss of Rental Income – Kicks in if the property becomes uninhabitable due to a covered event and rental income temporarily stops.

It’s about preparing for the “what ifs.” And anyone who’s ever rented property knows those “what ifs” can pop up faster than a pothole after a Louisiana rainstorm.

Adding on the Extras

In Louisiana and Mississippi, landlords face some unique challenges. Floods, hurricanes, and heavy humidity all bring their own set of risks. Depending on the location, extra coverage might be needed for flood damage or windstorm protection. It’s not about over-insuring—it’s about making sure the bases are covered so a surprise doesn’t turn into a financial setback.

Protecting Multiple Properties

Some landlords manage just one house. Others have a portfolio of rentals spread across different cities. The good news is that insurance can be structured to handle both situations. Bundling multiple properties under one plan can make management simpler and sometimes more cost-effective.

If you’re managing rentals in places like Slidell, Covington, or Baton Rouge, it’s smart to consider how each property’s location changes its risk. A house in Lake Charles may face different exposures than a duplex in Gretna. That’s where experience and customization matter.

For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.