Homeowners Insurance

 

What is Homeowners insurance?

Homeowners Insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You may need to buy two separate policies for flood and earthquake coverage. You can complete our Flood Insurance Quote Form here. Maintenance-related problems are the homeowners' responsibility.

American Bulldog on Dog Bed in Home

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.

  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.

  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.

  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Things to consider and questions to ask your agent

Here are few things to discuss with your agent that will influence your decisions.

  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home's features and the things you own so you can make an informed decision about coverage.)

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)

  • What's the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.) 

What is included in a Standard Homeowners Policy?

  • Fire

  • Smoke

  • Lightning

  • Windstorm

  • Hail

  • Weight of Ice, Snow or Sleet

  • Freezing of Pipes

  • Volcano Eruption

  • Electrical Current

  • Water from Appliances (Your Home or Personal Property)

  • Explosions

  • Falling Objects

  • Theft

  • Riot

  • Aircraft

  • Vandalism (Your Home or Personal Property)

  • Personal Liability

  • Vehicles Not Owned

  • Medical Payments to Others

Available Add-ons

  • Flood Insurance

  • Mold

  • Sewage Back-Up / Sump Pump

  • Lateral Lines Coverage

  • Earthquake

  • Business

  • Home Daycare

  • Home Sharing

  • Replacement Cost (Your Home or Personal Property)

  • Scheduled Personal Property

  • Personal Umbrella

  • Identity Theft

  • Personal Injury

Never Covered

  • Wear / Tear

  • Cracking

  • Birds, Vermins or Insects

  • Snow on Outdoor Property

  • Vacant and Freezing

  • Vandalism on Vacant Property

  • Power Interruptions

  • Vehicle Damages

  • Boats and Aircraft

  • Pollutants

  • Nuclear Hazards

  • War

  • Damage by Government

  • Household Injury

  • Intentional Losses

  • Expected or Intentional Injury

  • Transmission of Disease

  • Crimes

Homeowners Insurance Quote Form

Complete the form below to receive a FREE comprehensive Homeowners Insurance quote. If you have any questions or you would prefer to fill this form out over the phone, you can reach one of our sale team members at (504) 835-1602.

Important Notice

Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

Per the terms of our online privacy policy we will not resell your information to any third-party.