To find the best homeowners insurance quote consider talking to an independent insurance agent.
Not all homes are the same.
Not all homeowners insurance policies should be the same.
We create customized affordable homeowners insurance options for you.
By finding a more competitive home insurance premium
- Lower your premium
- Lower your deductible
- Lower your mortgage
If you have an insurance problem,
We can help.
New Orleans Homeowners insurance is what we do.
Many people like you are lowering their insurance premiums.
Discover why your neighbors pay less than you for home insurance.
But first you need to make a few decisions….
1) Determine how much insurance you need
A rule of thumb is take the square feet of your house and multiply it by 100.
This will help you determine the Replacement Cost of your house.
ex) 2750 sq ft house X $100 = $275,000 estimated replacement cost.
This is not the exact formula that will determine the true replacement cost but it will help you get an idea.
The Replacement Cost of your house is the amount it will cost you to completely rebuild your house after a claim so a good residential home builder would be a great person to talk to if you want to know the current cost per square foot based on current cost of building materials.
2) Determine your deductible amount
Deductibles can be as low as $500, but homeowners insurance is not a maintenance or warranty policy so if you want to continue to keep your home insurance rates low, don’t make small claims.
You should consider a higher deductible at least to $2500.
The deductible is the amount the insurance company will deduct from your claim check
so if you can’t afford to have $2500 deducted from a claim check, try a lower deductible.
But remember the higher deductible you choose, the lower premium you will pay.
3) Determine the value of your contents in your house (personal property)
This is the amount of your personal property you purchased and brought into the house when you moved in.
Hint: Not all of your personal property is automatically covered under a homeowners policy.
Every homeowners policy has a sublimit or max payout on certain personal property items.
To understand what is limited in coverage, click here.
What does the homeowners insurance policy actually cover?
To see what the Homeowners Insurance policy covers click here.
Do you offer payment options?
We work with your mortgage company to secure payment for your home insurance policy.
And you don’t have to wait for your current policy to expire.
We will contact your mortgage company and make the transition to a better homeowners policy easy for you.
If you pay the homeowners insurance policy out of pocket, every company we represent offers payment options.
Some companies offer 4 pay or 8 pay plans and some offer 10 pay plans.
We will help you find a pay plan that works for you.
If you are ready to talk about Homeowners Insurance
Give us a call now at 504.348.3131 or complete the quick form below.
FM Agency Group is located in the Greater New Orleans area and has been lowering home insurance premiums since 2001.
My name is Tim D’Angelo and I would like the opportunity to talk to you about your needs and see if we can help you.
Still not sure?
You can call us at 504.348.3131
Complete the quick form below Now to Get Started