Louisiana Home Insurance

For some residents of Louisiana, Homeowner’s Insurance had long seemed like a luxury that they could do without. But when Hurricane Katrina devastated Louisiana and surrounding coastal and southern states, many residents without a Homeowner’s Insurance policy were left with homes in ruin and uncertain financial futures. While Homeowner’s Insurance doesn’t protect from flooding, it can protect against other natural disasters – including the non-flooding devastation caused by hurricane winds, tornadoes and fires. In the years since Katrina, many Louisiana homeowners have sought out Homeowner’s Insurance to protect themselves and their homes from further risk.

Many companies offer Homeowner’s Insurance, but wouldn’t you like to talk with a trusted, independent agent from Louisiana? A local insurance agent won’t sell you a cookie cutter policy that is available in every other state. Instead, your independent agent will help determine your budget, and the specific coverage that works best for you. After all, if you live in a landlocked city in northern Louisiana, you’ll face different risks than if your home were situated on the Gulf Intracoastal Waterway.

What is covered in a Standard Homeowner’s Insurance policy? As stated above, you’ll be protected from damage sustained from a variety of natural disasters. If your home is broken into, vandalized, or otherwise affected by malicious activities, the necessary repairs will be paid for. Homeowner’s Insurance can even pay for your day-to-day cost of living and housing as you rebuild or repair your damaged home.

Dates in History (According to National Fire Protection Association)

Texaco Gas Plant, Erath 1985

SS Salem Maritime tanker fire kills 5, Lake Charles 1956

Petroleum Refinery fire, Norco, 1988

Upstairs Lounge kills 32, New Orleans, 1973

Phillips Dance Hall and Martin’s Grocery fire kills 25, VillePlatte, 1919

In 2013 there were 11 fire deaths per million in the United States.

In 2013 there were14 fire deaths per million in Louisiana.

In 2014, according to the National Multifamily Housing Council 7.0% of the State’s residents lived in apartments compared to a national figure of 12.2.

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Enhanced Insurance is not written by attorneys. If you’re looking for legal advice, you need to contact a lawyer. Further, insurance practices and forms change constantly and are varied from state to state. For definitive answers in your area, contact a local agent.