Home Insurance

Home insurance will cover both property damage and liability claims that involve your home, and each part of the policy will offer different types and amounts of protection. Property damage claims are made when the loss or damage happens to your home or personal possessions, and they may cover any personal items that you use while you travel. Liability claims are made when someone else experiences a bodily injury or damage to their property because of something that you did or didn’t do, and this can result in a lawsuit being filed against you.

Types of Home Insurance in the State of Louisiana

There are four main types of home insurance in the state of Louisiana, and each one will offer different types of coverage. The types of home insurance that are available in this state include:

Home Insurance can:

 Protect your home and personal property from any damage that’s caused by fire or lightning. It can also cover you if it has been damaged by windstorm, hail, named storm (hurricane), theft, or any other type of malicious mischief (vandalism).

 – Add some additional coverage in case of a collapse, water damage, or other perils that are caused by an air conditioning or heating system.

 – Cover your home from every type of risk except for certain things that may be excluded (like floods or earthquakes), and it can cover other structures that are part of your home (like garages).

 – Cover any dwelling as well as any personal property for all types of perils except for any exclusions (like floods and earthquakes).

Before you decide which policy is right for you, please bear in mind that some properties and perils may be excluded. Some of these may include:

• Anything that’s not part of or stored inside the home (such as pets and vehicles).
• Any business property that isn’t part of the actual premises.
• Any loss or damage that’s caused by a flood or earthquake.

In some cases, you might be able to purchase separate coverage for these types of perils. Be sure to speak to an agent to find out what’s available.

We're here for you

If you want to find a quality home insurance agency in Louisiana, R•I•G has a team of agents who can help you find the right policy. Our team has years of combined experience, so we can find something that will meet your needs and fit your budget. To get a quote, try our online rating tool for quotes on home insurance from your computer. If you want to find out how to get the best policy for your home, please get in touch with Rabalais Insurance Group, LLC today!