Are you looking for a lower premium quote on Homeowners Insurance in Louisiana?

If you are like most of us, your home is your most valuable asset.

You need more than 15 minutes to get a quote and buy insurance.

It is worth your time to understand the coverages and endorsements available to you.

homeowners insurance

At FM Agency Group we have licensed professional insurance advisors that will help you make the right decision with the right company for you.

We want you get the coverage you need for the value you want.

We want you to get claims paid.

We work with you after the policy is sold.

Here are just some of the coverage options we will discuss with you.


Homeowners Policy Coverage Explained


Dwelling Structure Coverage A

The amount it would cost you to rebuild your house if it were to be destroyed. 

You should insure your house for 100% replacement cost.

Replacement Cost is the cost it will take for a contractor to rebuild your house.

It is not the appraised value and it is does not include the value of land.


Other Structures Coverage B

Unattached structures on your property including your fence, shed or detached garage.


Your Personal Property or Contents Coverage C

The amount or value of the property you moved inside the house. 

Clothes, furniture, electronics, personal items.  

Take a quick look around your house and determine if you had to replace everything inside, how much do you need?  $50,000?  $75,000?


Liability Coverage D

Too often we see 100,000 of liability coverage.  It only costs up to $25 annual to get $300,000.

This is the coverage that defends you against any claim in which you are legally liable to another party for property damage or bodily injury.

By selecting the $300,000 limit of liability, you qualify for an umbrella policy.


Additional Living Expenses or Loss of Use Coverage E

As a result of a claim, you can no longer live in your house and have to move to another location. Could be a hotel stay or due to the severity of the claim, rent a house.


Medical Payments to Others Coverage F

This is a limit payable to someone other than you or your resident family members for reimbursement of medical expenses.

You should have least have $5,000 since the difference between $1000 and $5000 might be $10.


If you are ready to talk about your Louisiana homeowners insurance we are here for you.

Complete the quick form now or call us 504.348.3131