Our New Home Insurance Program includes:
Roof replacement based on age
Wind included
Homes valued up to 600,000
Homes up to 100 years old
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Understand What You Are Buying in South Louisiana
REPLACEMENT COST – The amount you receive after a claim to replace the damaged item
ACTUAL CASH VALUE – The amount you receive after a claim that is less than the money needed to replace the damaged item. The reduced amount is referred to depreciation and that figure is based on the age of the damaged property. Older damaged items will be depreciated more than newer items.
LIMITED WATER DAMAGE – Water damage from a leaking pipe, appliance, bathtub or sink. The limit can usually range from $10,000 to $25,000. Water intrusion from a leaking roof does not apply to this water damage limit.
WIND OR HURRICANE PERCENTAGE DEDUCTIBLE – Usually 2% , 3% or 5%. The percentage is NOT based on the percentage of damage after a claim but the percentage of the insured value on the home. Example) 300,000 home with a 5% wind deductible would be a $15,000 deduction on your next claim check. (300,000 x .05 = $15,000)
Frequently asked.
Do I need a new roof to quality?
No. If your roof age/replacement is over 10 years the roof settlement claim check will be based on Actual Cash Value subject to depreciation
Do you write in South Louisiana?
Yes coverage is available in Jefferson, Orleans, Plaquemines, St John the Baptist
Do you offer a 2% Wind deductible?
2% wind deductibles are available in Louisiana. In Jefferson and Orleans your wind deductible would be 5%
Recent Customer Success
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2ND PAGE HOME INS
FM Agency Group
We have been helping residents in South Louisiana since 2003. We are professional insurance brokers searching for the best coverage at a competitive rate so you can get the best deal.