Homeowners Insurance in Louisiana – How to Get the Best Rate
As thousands of homeowners in New Orleans discovered after Katrina hit, you can lose everything you own if you don’t have homeowners insurance. Here’s how to get homeowners insurance in Louisiana at the best rate possible.
What Homeowners Insurance Covers
A homeowners insurance policy covers the following:
Your home – Homeowners insurance will pay to rebuild or repair your home after it’s been damaged or destroyed by fire, hail, vandalism, plumbing leaks, or acts of nature.
Your possessions – Homeowners insurance will pay to replace any personal property (clothing, furniture, appliances, etc.) that’s been stolen or damaged by fire, hail, vandalism, plumbing leaks, or acts of nature.
Additional Living Expenses – Homeowners insurance pays for your additional living expenses – hotel and restaurant bills – when your home is damaged or destroyed and you need to stay somewhere else while it’s being repaired or rebuilt.
Personal Liability – Homeowners insurance pays your and your family’s legal fees and court costs when you injure someone or damage their property.
What Homeowners Insurance Doesn’t Cover
Many New Orleans residents discovered all too late that standard homeowners insurance policies do not cover damage to your home caused by floods. If you live in a flood zone you need to purchase flood insurance. For information on where to buy flood insurance, visit the National Flood Insurance Program website at: floodsmart.gov.
Some policies also place a limit on the amount of coverage they will provide for expensive items like jewelry, computers, antiques, etc., so check your policy and purchase additional coverage if you need it.
Where to Get Low Cost Louisiana Homeowners Insurance
To get the best price on homeowners insurance you need to do some comparison shopping. The easiest way to compare rates is to go to an insurance comparison website where you can get rates from a number of insurance companies.
Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get Louisiana homeowners insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
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because of the $787 billion economic stimulus measure that Congress passed, and the United States is “beginning to see signs of increased sales and stabilized housing prices for the first time in a long time.” At the same time, he said full-fledged recovery is months away, adding, “it will take patience.” He also said his administration was taking steps to make sure banks have money to lend “even if the economy gets worse.” Obama remains widely popular, but his administration has endured …
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About Author
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on how to get the best rate on homeowners insurance in Louisiana.
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July 31st, 2009 at 7:50 pm
no i wont get off his back.he went to the g-20 confrence and thrown this country who is the leader of the free world under the bus saying we was desisive and dismissive and something else and that we was going to tear down our defences so we cant defend ourselves against china and iran who is going to build up their nukes once they figure out how to make one
July 31st, 2009 at 8:24 pm
So tell us Wanj, what has Obama done so far that’s been so great? What has he done that’s been a good thing for this country?
Great job? Maybe on showing how much of an ass he is. As Jmagic said, he was a complete embarrassment to this country and every citizen in it, dead or alive on a world stage at the G20 , he showed the world how stupid we, as Americans are electing this fool!. Our forefathers would be flipping out hearing this garbage from this president!
July 31st, 2009 at 8:57 pm
CNN, MSNBC, CBS, Reporters……”Mr. President, the country is going down the tubes, unemployment is at a 26 year high, your trillion dollar bailout[s] aren’t working, and Union jobs are bankrupting us, so here is the hard question: America wants to know, do you wear boxers or briefs?”….LOL
August 1st, 2009 at 12:21 am
how can i chip in if i has no job stupid? how can i feed the economy and get it on its feet if i cant make enough money to pay my bills cause if the high taxes this president is goin to put on me in i cant spend money and you attack the people who give me a job idiot its the rich and the new euntrapenours who wants to start a business and expand but cannot make over 250,000 or will be taxed to death so no jobs no money no expansion
July 31st, 2009 at 7:41 pm
Nobody. Travelers might be best for someone with great credit, but they're not good if you have poor credit.
Some companies prefer houses less than 20 years old. But they'd be ridiculously expensive if the house is over 50.
Some companies prefer urban houses, some suburban, and a few rural.
So there are WAY too many variables. To get the best rate for YOUR house, give the specifics to a local, independent agent, and ask them to get you a half dozen quotes.
July 31st, 2009 at 9:14 pm
The deal is, everyone is trying to file wind claims. Because the majority of people on the Gulf coast do not have flood insurance, this is the only way they could hope to get money.
The insurance companies began to dispute these claims. Saying the damage was due to flood, not wind. The courts have now begun to mandate the insurance companies to pay, even on some claims that were blatantly flood damaged.
The insurance companies are terrified that if another disaster like this struck, they would be left to fit the bill regardless of any exclusions (flood) they have in their Homeowner's policies. So, to defend themselves from potential bankruptcy, they have begun to pull out of the area all together. Your insurance premium is very high, because frankly, they don't want your business. It's too much risk for them, thanks to your local court system.
August 1st, 2009 at 5:41 am
Come on oops, shirley yer smarter than that, right?
How do you think Bush paid for the 2 wars? Why do you think the economy was strong during that period until 2006/7?
Start from scratch? I don’t think you get a do-over with this shit “dumb fuck”
As I’ve said on numerous occasions, left wing, biased media is not healthy in the least bit, they only report what they want to report and that all falls within their agenda. It’s not rocket science, I’m sure you can c that, just open those eyes
August 1st, 2009 at 6:28 pm
Obama is doing a great job…get off his back and try to do something to better urself. Obama himself cannot change the whole world, it take everybody chiping in.
August 2nd, 2009 at 1:55 am
Please dont breed…. Ok if we got rid of the fed reserve we would be able to start from scratch and create sound money instead of just paper…. And McCain would have made it worst by borrowing more money for his dumb fucking war… I think you are the dumb fuck with this one it would take you getting hit by a fucking bus to understand this one…. So i suggest you just go sit at the kids table until you get the concept
August 2nd, 2009 at 8:44 am
I couldn’t agree more magic! We’re all in for a very rude awakening. Oh well, we’re screwed now.
They voted for change, I hope they saved some, they’re going to need it!
August 2nd, 2009 at 3:26 am
Try getting an online insurance quote It's free and quick to do. http://www.multipleautoinsurancequotes.com
Good Luck!
August 2nd, 2009 at 4:37 pm
and for those stupid people who is on obamas team and kissing his ass.ill tell you this under the obama administration you will pay for putting this man in office the thing is i has to suffer cause of your stupidity.untill you understand that he will not help you and stop giving you your welfare checks cause of this and that and become homeless the jokes on you stupid will set in …we tried to warn you dummy but you hoped for the change they need b.s