Louisiana homeowners insurance can provide property damage coverage for your home. The most basic policy, known as the HO-2, covers damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The HO-3 policy offers bodily injury liability coverage for your home and property. This protects you in case someone has an accident on your premises, and can cover lawsuits arising from said accident. The majority of home mortgage lenders require Louisiana home owners insurance in order to obtain and keep in good standing with their loans.
Many in the region didn’t realize that their Louisiana homeowners insurance would not pay for damages caused by a hurricane or flood waters. The additional flood insurance protects a home from such perils. The Louisiana homeowners insurance does not cover flooding of homes. For this reason, many lost their homes and had no recourse for rebuilding or repairing. In today’s Louisiana, the rates for homeowners insurance have skyrocketed. Before deciding to live in the area, you will have to consider many factors such as average cost of Louisiana homeowners insurance, and additional costs for flood and hurricane insurance.
Our service gets you connected to the top homeowners insurance carriers in Louisiana and let's you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.
Because we work with so many carriers and brokers in all 50 states, we can make it easy to get mulitple quotes for policies that can fit any special need or budget. Whether you need a standard homeowners insurance policy, coverage for a luxury home, an umbrella policy, renters insurance, or coverage for a mobile or manufactured home, we have agents who can help. Additionally, we can help you if you are looking for several types of specialty homeowners coverage, including earthquake insurance, wind and flood protection, and coverage for high risk homeowners.
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.