Home Insurance

Louisiana Home Insurance Coverage

Your home is probably the most expensive investment you have in your life. Therefore, you need to protect it, plus everything else in it, by taking on a home insurance policy. There are several hazards such as fire, vandalism, theft, water damage, and much more that could damage or destroy your home. Home Insurance will cover you from financial losses resulting from damages to your Louisiana home or any liability claims against you.

Home insurance is not a mandatory requirement in Louisiana, but having it will come in handy to protect you against unforeseen circumstances. Most insurance companies often provide standard policy coverage and can create bundles to make sure you are completely protected. Atlas Insurance Group provides these standard coverage options and can work with you to create a policy specifically for you depending on your needs. These coverage options can include:

  • Dwelling coverage: This covers the structure of your home. In case a covered risk damages your home, this coverage will repair or replace it.
  • Liability coverage: This covers any bodily and property liability claims against you. It can also cater for medical bills, repairs, or replacement of damaged property.
  • Property coverage: Protects your personal belongings inside your home. If your belongings are stolen, destroyed, or damaged, this coverage will repair or replace them.
  • Loss of use coverage: In case a covered loss renders your home uninhabitable, you could be forced to take shelter in a temporary residence. This coverage will take care of any additional costs you may incur in the temporary residence.

Even though most of these risks are covered, others like storms, floods, hurricanes, and windstorms may not be covered by the standard home insurance policy. Since Louisiana is prone to some of these risks, you might find it necessary to get separate policies for them.

Seeking the help of a knowledgeable local agent at Atlas Insurance Group will help you understand the kind of risks your home can be exposed to and help you make an informed decision when choosing the appropriate home insurance coverage option. We offer affordable policies, and you can use our online rating tool to get a quote. Talk to us today if you wish to get a policy or for inquiries or concerns about home insurance.