Centauri Insurance review


Who is a good fit and who is not a good fit for this insurance company?

We only partner with insurance companies that we would place our family members with.

But we don’t place everyone with Centauri insurance.

Not many insurance companies want to insure every homeowner.

Not every customer is a good customer for an insurance company.

After representing Centauri Insurance for over 8 years, we understand who is the best fit.

Two most common questions asked about Centauri Insurance

1.  “Who is Centauri Insurance?  I never heard of them.”

2.  “I went online and they had bad reviews”

Let’s address the first question now.

1.  “Who is Centauri Insurance?  I never heard of them.”

You only know of insurance companies who constantly advertise online, tv, billboard, magazines and radio ads.

They spend close to a billion dollars so you will know them.

Smaller insurance companies like Centauri Insurance don’t spend all their money on advertising.

They partner with local insurance agencies to represent them…to recommend their company to the agency’s customers.

If Centauri Insurance didn’t pay claims or had bad customer service, an insurance agency would no longer offer them.

Centauri Insurance has to earn the business from the insurance agency that represents them.

When a customer asks us “Why did you recommend Centauri?”

We answer “Because they are committed to Louisiana”

That’s it.

You buy insurance to protect you from a financially devastating event.

That is the purpose of insurance.

Not to buy the cheapest option because your mortgage company is making you buy insurance.

Insurance is a worthless transaction if the insurance company doesn’t pay claims.

We recommend Centauri insurance because they make our customers happy.

Happy customers stay with us.

Our goal is to keep customers for life and Centauri helps us do that.

2. “I went online and they had bad reviews”

This is true for every insurance company that sells insurance.

Just name an insurance company and I can go online and find you a negative review.

Insurance companies only pay claims that you purchase coverage for.

A homeowners insurance policy has added endorsements.

It is possible that the policy that was sold to you was not a good policy.

When that happens claims get denied.

Some of the most common complaints for insurance companies are claim denials and cancellations.

If you want to find out if an insurance company is any good, you look to the insurance agency that represents them.

Look at the insurance agency’s reviews.

We have over 140 Google Reviews from happy customers

If we represented crappy insurance companies that didn’t pay claims, we would have 110 negative reviews instead of 5 star reviews.

We recommend Centauri Insurance because they make our customers happy and they make us look good.

Who is NOT a good fit for Centauri Insurance?

Bars on your windows 

Active non-weather related claim history

Poor credit worthiness

Homeowners with vicious dogs including Akitas, American Bulldogs, Beaucerons, Caucasian Mountain Dogs, Chow Chows, Doberman Pinschers, German Shepherds, Great Danes, Pit Bulls, Rottweilers, Staffordshire Terriers, Wolf Hybrids, or any mix thereof, any dog with a history of biting, or any dog underwriting deems ineligible.


Centauri is a Preferred Insurance Company because they offer the additional coverage extensions you need

The Preferred Homeowners Insurance policy offers a few coverage extensions or endorsements.

  • Animal Liability 
  • Equipment Breakdown
  • Special Personal Property
  • Liability up to 500,000
  • Water Back Up
  • Personal Injury
  • Home computer extension

You also have the option to choose the amount of personal property you want on your policy

Most insurance companies give you 50% of the insured dwelling amount

This can result in you over paying for coverage

Where does Centauri write home insurance?

They currently write in 10 states

  • Oklahoma
  • Louisiana
  • Florida
  • Texas 
  • South Carolina
  • Hawaii
  • Massachusetts
  • Mississippi
  • North Carolina
  • South Carolina

They also offer an online policy portal to manage your policy

You can view your policy, pay your bill and initiate a claim

Here is their portal https://www.centauri-ins.com/ConsumerPortal/

To learn more about Centauri Specialty and their mission click here

If you are looking for a Louisiana agent that represents Centauri, we would love the opportunity to talk to you.

Call us at 504.348.3131 to get started



Address:P.O. Box 100117
Columbia, SC 29202-3117
Phone:+1 866-318-4113