Get your home insurance from a company that understands the unique challenges Louisiana residents experience
What Is Home Insurance?
For most people, their home will probably be the biggest asset they will ever own. Making sure your home is insured properly is critical. Home insurance protects you from unexpected losses or damages that could occur to your home itself, the contents within it, and the people that visit you.
Protect the “dwelling” of your home
"Dwelling" is the insurance term for the actual structure of your home.
Protect yourself from injuries sustained by visitors
Homeowners are liable for the injuries sustained by their visitors and sometimes even trespassers. Liability coverage is the insurance term used for coverage related to expenses for bodily injuries sustained by those who do not reside in the home.
Protect the "contents" of your home
In insurance terms, the “contents” of your house include everything that would fall out if you were to literally turn your house upside down. Examples include furniture, some appliances, clothing, jewelry, books, children’s toys, and hobby-related assets like golf clubs.
Personal property insurance is pretty self explanatory. We often accumulate very valuable belongings over a lifetime. Increasingly, necessary personal items like cell phones and laptop computers can run anywhere from $1000 upwards.
This type of insurance covers the valuable belongings that you store inside your house, or pretend to take your house and turn it upside down, everything that falls out, well that's personal property.