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 […]

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 […]

2
Nov
atv insurance for boy on atv

Would my ATV be covered under my homeowners insurance?

You would think that your ATV is covered under your contents coverage or personal property under your homeowners policy, but you would be wrong. Your All Terrain Vehicle (ATV) or Off Road Vehicle would need to have an ATV insurance policy to cover it for property and liability. Growing up in New Orleans, on weekends […]

1
Nov
insurance claims

How does a homeowners insurance company know if I made a claim?

Most insurance companies writing new homeowners insurance policies subscribe to a centralized claim reporting agency. It very likely your previous homeowners insurance company reported your claims history and it is listed on a Homeowners insurance CLUE report. So before you turn in your next claim you should consider the consequence on your future policy premium.   […]

28
Oct
CONTENTS COVERAGE STEALING JEWELRY

Homeowners insurance contents coverage explained

If you are not in the insurance business, you are going to assume all of the property you own is covered under your Homeowners Insurance policy against any type of claim.   Unfortunately this is not the case.   If this was true, you wouldn’t receive a 100 page policy filled with exclusions. You would receive […]

26
Oct
force placed homeowners insurance

Homeowners Insurance: What is force placed insurance?

Force placed Insurance.  If you have a loan on your home, your Mortgage Company can purchase a force placed homeowners insurance policy to protect their interest if your homeowners insurance policy cancels or non-renews.  Great? No. The “force placed” homeowners insurance policy your mortgage company will purchase will usually be more expensive than any homeowners […]