Home Insurance
Built for Louisiana Homeowners

A standard homeowners policy typically includes coverage for the structure of your home, other structures on the property, personal belongings, liability protection, and loss of use if your home becomes uninhabitable due to a covered loss. Coverage details vary by policy and carrier.

Replacement Cost coverage pays to repair or replace damaged property with similar materials, without deducting for depreciation (subject to policy terms).

Actual Cash Value pays replacement cost minus depreciation at the time of loss. The difference can significantly impact a claim payout.

In Louisiana, many policies include a separate deductible for named storms or wind events. These deductibles are often calculated as a percentage of the home’s insured value rather than a flat dollar amount.

Premiums are influenced by factors such as the age and construction of the home, location, claims history, coverage limits, deductible choices, and available discounts.