FM Agency Group is located in Marrero, Louisiana.

We have been here since 2001 and helping local residents with their homeowners insurance needs.

Although Marrero is located on the Westbank side of New Orleans, we are able to help most Louisiana customers.

Marrero was named in Honor of Louisiana politician and founder of Marrero Land company, Louis H. Marrero and according to the census of 2010, has over 33,000 residents.

Of those 33,000 residents, homeowners struggle with the high cost of homeowners insurance in our area.

The major well known insurance companies are not writing new policies.

Most of the companies are regional Gulf Coast insurance companies that focus on our coastal area and are writing new policies and hurricane deductibles can range from 1000 to 5%.

We represent many homeowners insurance company that are offering new policies.

Some offer auto, home and flood insurance together.

Others offer companion policy discounts for having the policies at one insurance agency.


It depends on many factors but not limited to

  • Age of home
  • Construction type Brick or Frame
  • Hip or Gable Shape Roof
  • Estimated Square Feet
  • Claims History
  • Credit Worthiness (most companies but not all


NEED: Customer called and needed a home insurance quote because his mortgage payment had become unsustainable.  He had no claims on the record and believed his premium to have “increased 50%” since he purchased the policy six years ago.


PROBLEM: Customer received the homeowners renewal it was over $3,700.


NEEDS ANALYSIS:  We were able to review the existing renewal declarations page and discovered he had

  • an HO-2 policy instead of a HO-3 policy.
  • Actual Cash Value on contents (depreciation) instead of replacement cost
  • 100,000 Liability instead of 300,000 liability limit
  • Named Storm deductible instead of a Hurricane Deductible




1.  HO-2 policy form is not as broad of coverage as an HO-3.


2.  Actual Cash Value on contents

Depreciation on contents if there is a claim would result in a lower claim payout.

Unless you know and understand your contents are subject to depreciation,  you should not have this endorsed on your policy.


3.  100,000 Liability limit instead of 300,000

The cost to increase your liability limit to the next level of 300,000 could be as low as $15.

With having the 300,000 liability you would qualify for an Umbrella policy.


4. Named Storm Deductible instead of a Hurricane Deductible

Give it a name.

A tropical storm would be subject to the 1%, 2%, 3% or 5% higher deductible amount.

If you only had a Hurricane Deductible, a Hurricane claim would be subject to a higher deductible amount.

A tropical storm would fall under the lower AOP or All Other Perils deductible.



We were able to lower the customer’s deductible from

2500 to 1000 AOP All Other Perils deductible



Renewal Premium $3,720

Our New Annual Premium $1,811

Annual Savings $1,909


What’s this all about?

Shopping for homeowners insurance doesn’t have to be a difficult process.

You may be paying too much or you may be in the right policy for a competitive premium and you need to stay with your current company.

You will not know until you let us take a look at what we can do for you.

It costs you nothing to find out.

Since 2001 we have been helping Westbank customers find homeowners insurance in Marrero.

If you are buying a new house or would like us to quote your existing policy to confirm you are still getting the most competitive premium in the market,

give us a call

My name is Tim D’Angelo and I would like to talk to you about Homeowners Insurance.


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