Home Insurance Coverage

Our Agents Take the Hassle Out of Shopping for Home Insurance

Home insurance is a crucial investment for any homeowner. At the Louisiana Insurance Center, we understand the value of protecting your home and finances. With over 43 years of experience, our locally owned and family-owned business offers expert services that tailor a unique policy to your home. 

Our agents work diligently to take the hassle out of shopping for insurance, doing the work for you. We are licensed in Louisiana and offer emergency contact availability by phone and email. When you need us, we're there for you.

Home insurance acts as a line of defense in case an unforeseeable event damages your house or condo. Our policies cover your home's contents and liabilities, offering protection against disasters, liability, theft, and vandalism. With our help, you can recover some of the lost costs in the event of damages.

Our agents closely examine your home's unique risks and issue a policy that correctly covers those risks. We work with multiple A+-rated carriers to help you get the coverage you need at the most affordable prices. 

If you need special coverage for floods or earthquakes, we can help you get separate policies to cover those risks. However, it is essential to remember that home insurance isn't here to protect you for routine maintenance.

If you are ready to get a home insurance policy, then we are prepared to help. Call our office to talk to an insurance agent today. You may also email your questions, and an insurance professional will reply promptly. Protect your home and your finances with our expert services.

Renters Insurance Is a Necessary Investment

Renters insurance is a crucial investment for anyone renting an apartment or house. It protects your personal belongings against a wide range of potential disasters, such as fire, smoke, theft, and water damage. While your landlord may have insurance, it only covers the building and not your possessions. 

If you need more clarification about how much insurance you need:

1. Start by adding up the cost of everything you would want to replace if it were damaged or stolen. This will also serve as the basis for an inventory, making filing a claim easier.
2. Record model numbers, dates, and places of purchase, and take photographs or make a video of your items.
3. Keep a copy of the inventory in a safe place away from your home. 

Renters insurance also covers your responsibility to others injured at your home or elsewhere by you, a family member, or your pet. It pays legal defense costs if you are taken to court. Additionally, your additional living expenses will be covered if you are forced out of your home due to a disaster. This includes hotel bills, temporary rentals, restaurant meals, and other living expenses incurred while your home is being rebuilt. 

Keep in mind that renters insurance does not cover floods, earthquakes, or routine wear and tear. If you live in an area prone to these disasters, you can purchase separate flood and earthquake damage policies. 

Don't wait until it's too late to protect your personal belongings. Invest in renters insurance today to ensure that you're covered in case of a disaster.