Protect the “dwelling”
of your home
"Dwelling" is the insurance term for the actual structure of your home.
Home Insurance In Louisiana
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 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.
What Are The Homeowners' Sub Categories?
Homeowners’ insurance is separated into sub categories that we can customize to create a homeowner's insurance plan that is right for you. Some examples of the different facets of coverage you can add to your portfolio are:
-
Dwelling Coverage
Dwelling insurance sometimes called "dwelling insurance", covers the physical structure of your home, plus some adjoining structures such as decking, garages, patios, and more.
-
Other Structures
Most homeowners have sheds and outdoor buildings for lawn equipment and barbecue pits.
Protect your outdoor storage with structural coverage for covered peril.
-
Personal Property
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. -
Loss of Use
Did you know that insurance can pay for hotel rooms if you are required to stay in a hotel due to inclement weather?
In Louisiana, that’s important to our customers. Ask us about how you can get insurance coverage that will pay for lodging if you ever have to evacuate from your home
-
Family Liability Protection
As an insurance company, we know that accidents happen.
If someone is injured on your property, you can have peace of mind with liability coverage.
-
Guest Medical Protection
In addition to family liability coverage, your insurance can cover the medical bills of someone injured at your home.
If you have lawn or housekeeping contractors visit your home, it’s a great and affordable way to have peace of mind.
More from our Learning Center
2 min read
Louisiana Fortify Homes Program
Sep 21, 2023 by Levi Kastner
Have you heard of the Louisiana Fortify Homes Program?
This month the Louisiana Department of Insurance began...
2 min read
A Hard Insurance Market: What is it?
Sep 16, 2023 by Levi Kastner
Let's talk about the "hard market"...
In our recent Market Update we talked about the fact that Louisiana is in a...
2 min read
Louisiana Insurance Market Update.
Sep 7, 2023 by Levi Kastner
What in the world is going on in the Louisiana Insurance Market?
If you own property, car, or business, you don't...