The Westbank of New Orleans includes Harvey, Marrero, Gretna, Westwego, Algiers, Avondale, Belle Chasse, Waggaman and Lafitte

If you are looking for a Westbank insurance agency to help you with home insurance?

or

car insurance

landlord dwelling insurance

boat

rv

motorcycle

flood insurance

church insurance

commercial building insurance

 

The Westbank has many options available to you if you need help with insurance

Insurance companies will write new policies and rate you based on your zip code

Someone in Harvey 70058 will pay a different rate in Marrero 70072 for home insurance and car insurance

 

WESTBANK HOME INSURANCE

Many insurance companies are writing new policies on the Westbank

As of this writing over 15 companies write Westbank home insurance and include wind on one policy

Some of the larger insurance companies will exclude wind on their policy and make you buy a stand alone wind policy from the Fair Plan or Geovera Specialty

Note:  If you buy your wind from Geovera Specialty the policy is 100% fully earned so you can’t get a refund if you cancel and the policy is from a surplus lines company

Surplus lines companies get no protection from LIGA: Louisiana Insurance Guaranty Association

If the insurance company becomes insolvent (bankrupt) you don’t get your claim paid

All admitted insurance companies are protected by LIGA up to 500,000 per house

 

WESTBANK LANDLORD RENTAL DWELLING

If you are a real estate investor or landlord with investment properties on the Westbank

you have many options to protect your rental property

Over 10 companies now offer landlord dwelling protection

You can protect one property in your personal name or an LLC

and you can add multiple properties on one policy if needed

Your policy would include protection for wind, hail, fire, intentional tenant damage, water, slip trip and fall and loss of rental income

1-4 Family properties included

If over 5 families you would need a commercial property policy

 

WESTBANK FLOOD INSURANCE

Many changes with the National Flood Insurance Program

Most properties have been moved from an AE Flood zone to a Preferred X zone and now pay around $400 for flood

If you own a non-owner occupied rental property, NFIP has added a $250 surcharge to the policy

Base Flood Elevations have changed as well so if you were not moved into a Preferred zone to get much lower flood insurance, you may still benefit from a lower flood insurance rate by getting an elevation certificate to determine the elevation of your property in reference to the base flood elevation in your neighborhood

If you need help with your Westbank property, give us a call 504.348.3131 or complete our quick form