Are you a first-time homeowner or looking to switch providers?
We help you find the best home insurance coverage customized to your needs so you don’t overpay for insurance.
At FM Agency Group, we’re here to help you protect your property with affordable homeowners insurance that doesn’t remove coverage to get the rate down.
Why You Need Homeowners Insurance
Without the right coverage, unexpected claims could drain your bank account and leave you in debt.
Homeowners insurance protects you from financial loss by covering:
Property Damage: Repairs or rebuilding costs from fire, wind, hail, theft, water damage and vandalism.
Personal Belongings: Replacement of stolen or damaged items like furniture, electronics, clothes (your stuff)
Liability Lawsuit Protection: protects you from claims for damage caused to others including injury and property damage claims.
Temporary Living Expenses: Hotel or rental costs if your home becomes uninhabitable after a claim. This coverage has a limit so make sure you have enough.
Not all policies are created equal.
Don’t settle for less when you can get home insurance quotes that match your budget. Some policies include coverage you need and some hide the exclusions in the fine print. You should review with a licensed agent to make sure you get the coverage you need.
Never assume your policy provides coverage because most policies offer add on coverage options
What Makes Our Home Insurance the Best Home Insurance?
At FM Agency Group we believe affordable homeowners insurance should still offer top-tier protection.
Get started now by calling us 504.348.3131 or clicking here for the quote request form
Here’s why homeowners trust us:
Customizable Coverage Options: From basic coverage to comprehensive policies, we can customize your insurance to fit your home and needs. Ask about personalized protection for your personal property (your stuff)
Competitive Rates: Get home insurance quotes that save you money without skimping on quality.
Fast Claims Process: Our 24/7 in house support team ensures you get your claim filed and we help during the claim. We’re here after the policy is sold.
Extra Perks: Add-ons like flood insurance, identity theft protection, equipment breakdown, service line and water backup will keep you fully covered.
How to Choose the Right Homeowners Insurance
Shopping for homeowners insurance can feel overwhelming, time consuming and frustrating to say the least, but it doesn’t have to be.
Follow these simple steps to find the best home insurance for you:
Know your Home: Consider the cost to rebuild your home since this value changes each year. Know how much square feet, brick or frame, year of roof, discounts you qualify for.
Compare Home Insurance Quotes: Look at coverage limits, deductibles, and premiums from multiple providers (we help with this!)
Check Reviews: Choose an insurance agency that represents multiple companies with a 5 star review reputation for reliability and customer satisfaction—like us! click here to view what customers say about us
Ask About Discounts: Save more with bundles (e.g., home and auto) or safety features like smoke detectors, monitored burglar and fire alarm, new roof, updated hvac, plumbing and electrical.
Pro Tip: Did you know the higher your car insurance liability limit the more the discount on your home insurance? (not all home insurance companies offer this!)
Don’t Wait—Get Your Free Home Insurance Quote Today!
Every day without proper coverage is a gamble with your home and bank account.
Whether you’re in a coastal area or a quiet suburb away from hurricanes we can help.
At FM Agency Group, we make it easy to protect what matters most.
Ready to start?
Get your free, no-obligation home insurance quote now and see why thousands of homeowners trust us for the best home insurance plans.
Click below or call us at 504.348.3131 to speak with an coverage protection rep today.
Home Insurance Simplified
Not all home insurance policies are the same
How much does Home Insurance cost?
Rates are based on home characteristics such as, but not limited to, the size of your home, construction type, roof shape, credit worthiness, original year built and your claim history.
What is a Hurricane Deductible Percentage?
The usual percentages are 2, 3 or 5%. This NOT a percentage of the damage deducted but it is the percentage of the insured value. Example) 200,000 home with a 2% Hurricane Deductible is (200,000 x 2% = $4,000). The insurance company will deduct $4,000 from your next hurricane damage related claim check.
Which Insurance company has the lowest rates on Home Insurance?
It all depends on the geographical location of your home. Not all insurance company rates are the same and not all insurance companies offer policies in every zip code. You should get rates from more than one insurance company.
Does home Insurance replace my roof?
Depends on the original year of your roof. Depending on the insurance company some companies will no longer provide replacement of your roof if the shingles are towards the end of their life. Twenty to Twenty Five year old shingles you should consider replacing your roof.
Do I need to purchase Home Insurance?
You do if you have a mortgage as it is a requirement of your loan. A large home insurance claim can be a financially devastating event such as a fire, tornado or busted pipe can cause excessive damage to your property. You want the insurance company to pay for large losses.
Does my policy pay to rebuild my home?
Each policy has a limit that the insurance company will pay. The limit is also known as the insured value. In recent years the cost to build a home has increased and most home insurance policies are now under-insured which means you will not have enough money to rebuild your home if destroyed.
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HOMEOWNERS INSURANCE CAN BE COMPLICATED
WE HELP YOU CHOOSE THE RIGHT INSURANCE COVERAGE
Home Insurance Rates are going up
As more companies are raising rates at renewal it is important that you see rates from more than one insurance company
Customize your Coverage
We help you understand the different coverage levels so you know what you are buying
More for Less
Higher limits at a lower rate to get you the protection you need for the value you want
A Rated Insurance
Now more than ever you need a company that is well positioned to remain after a claim is filed
Complete the Quick Form to get Started
CONTACT US
OUR STRESS FREE SWITCH
WE MAKE IT EASY FOR YOU
EASY TRANSFER
You are not locked into a 12 month contract because you can cancel at any time and get a pro-rated refund back to you not the mortgage company
FILL COVERAGE GAPS
We make sure you don’t lose any coverage so your coverage transfers to your new policy without a lapse
WE HANDLE THE PAPERWORK
You don’t have to contact your previous agent or insurance company as we handle the transition and get your previous policy canceled
Over 200+ Google 5 Star Reviews
Homeowners Insurance
Fast affordable insurance coverage from A rated Insurance Companies in Louisiana, Mississippi and Alabama
Office
201 Evans Rd
Elmwood, La 70123
Hours
Mon-Fri: 9am – 5pm
Sat-Sun Text Us
Via Email
tim@fmagencygroup.com
liz@fmagencygroup.com
service@fmagencygroup.com
Via Phone
Tel: 504-348-3131
