5
May
homeowners insurance

New Homeowners Insurance buying guide

  There are a few mistakes that customers make when shopping for Homeowners insurance. Buying homeowners insurance can be confusing because it is not as simple as just buying the cheapest quote when you are searching for low cost homeowners insurance. As you will read below some insurance agents are not giving you the coverage […]

3
Apr

Louisiana Gun Liability protection policy

Louisiana gun liability and your homeowners policy. Most homeowners in Louisiana believe that if they had to fire their gun, their insurance policy would cover them. Unless you have a stand alone gun liability policy, you may be surprised your policy may not be there for you when you need it. “If I shoot someone […]

10
Mar

Best source for insurance advice in New Orleans?

WHERE TO FIND THE BEST INSURANCE ADVICE IN NEW ORLEANS? Years ago it was easy to find the best insurance advice in New Orleans. They had a nice office.  A friendly staff full of smiling faces.  A sign on the front of the building with a logo you recognized from a commercial. You knew to […]

2
Feb
raise your credit score

HOMEOWNERS INSURANCE IF YOU HAVE BAD CREDIT

The majority of insurance companies writing new policies in Southern Louisiana today will use your credit score to determine your premium.   First thought for many is what does my credit score have to do with insurance on my house? The thinking from the big brains behind the curtain at the home office for the […]

3
Jan

4 Tactics insurance companies use to get rid of you.

Historically Insurance companies lose money writing homeowners insurance in Louisiana. Not many companies can afford to be the cheapest option for too long. Sooner or later they will have to take a rate increase. Over the last few years there are some tactics that have become common in an attempt to get rid of customers […]

7
Dec
national general insurance

National General Insurance review Lakeview New Orleans

A review of National General Insurance in the Lakeview neighborhood of New Orleans for homeowners insurance. The New Orleans neighborhood of Lakeview was flooded during Hurricane Katrina after a flood wall was compromised and sent over 6 ft of water in the neighborhood. Most homeowners who had lived there for many years, leveled their house […]

29
Nov
water backup coverage

Homeowners Insurance Water Backup Endorsement

Homeowners Insurance and the water back up endorsement. Not all Louisiana Homeowners Insurance policies cover Water Back Up through sewers, drains or discharges from sump, sump pumps and related equipment.   But my policy covers my house for water damage? There is a difference between Water Back Up, Water Damage and Overflow and your policy […]

28
Nov

Top 10 Restaurants on the Westbank

A few places to try if on the Westbank for dinner.   10. PHO KIM LOAN New restaurant in a crowded Pho scene.  Heavy on beef pho options so if you are looking for seafood this is not the place. Great Pho and also some vietnamese mixed plate options. 1530 Lapalco blvd Harvey, La 70058 […]

26
Nov
roof shingle type comarison

Homeowners insurance discount and architectural roof shingles

We are seeing another homeowners insurance discount appear on new quote proposals in reference to architectural shingles A homeowners insurance policy can have as many as 10 homeowners insurance discounts or credits available but most customers are not taking advantage of the discounts. A new discount available is the type of roof shingle you have […]

25
Nov
golf cart insurance

Is my Golf Cart covered under my Homeowners insurance policy?

Golf Cart insurance protection and your homeowners policy. If you are driving you, your family or friends around in your neighborhood on a golf cart, you may want to make sure you are covered. Accidents even happen to the most careful of homeowners. Does your Homeowners Insurance liability extend to your golf cart? Probably not. Crazy […]

22
Nov
hip roof

Homeowners Insurance: Hip roof vs. Gable roof

  If you are buying a new house or have no idea why your neighbor is paying less than you for homeowners insurance, the simple answer could be something as simple as your roof shape.   What is a Hip roof? It is a roof shape where all sides slope downwards towards the gutter or […]

18
Nov
split homeowners insurance policy

What is a “split homeowners insurance policy”?

Split homeowners insurance policies are usually an attempt by a well established insurance company to reduce the wind risk in coastal areas by excluded wind on their policy form. Not so common in North Louisiana but in coastal high risk areas like South Louisiana, you will see some home insurance customers with a “split homeowners […]

16
Nov
NEW ORLEANS HOMEOWNERS INSURANCE

2 Reasons why your Homeowners Insurance policy will never go down.

We all know about rate increases with an insurance company but here are two little known reasons your Homeowners Insurance policy keeps going up.   1.  Age of Dwelling Discount. Since Hurricane Katrina,  there have been insurance companies entering the Louisiana Homeowners Insurance market.  A majority of these companies have an appetite for new homes usually […]

14
Nov
homeowners insurance claims tree fell on house

homeowners insurance claims: before you make the call

Most homeowners insurance claims can be the most stressful experience for you. Before you make a claim it is very important you have a good agent to talk to before you contact the insurance company. One of the most difficult concepts for homeowners to understand is that a homeowners insurance policy is not a warranty […]