NEW ORLEANS HOMEOWNERS INSURANCE
A new home purchase or a renewal increase on your home insurance policy
WE CAN HELP
We deliver the protection you need for a new purchase or need to review your current homeowners insurance renewal in New Orleans
New Orleans Homeowners Insurance can be complicated and time-consuming
We help you choose the right insurance company to protect your home in New Orleans
New Orleans is a very unique city to buy a new home because home values can differ from block to block.
Some homes were built in the 1800s and most are not new construction because our limited land use availability to build new home construction
If your home was renovated such as roof, electrical, plumbing and heating and a/c you have an opportunity to get the best insurance rates from Top rated insurance companies writing new homeowners insurance policies in New Orleans
That is why you need the best insurance broker for New Orleans Homeowners insurance.
As an insurance broker that represents some of the largest insurance companies writing in multiple states we can help you make the right choice with the right coverage
Here is some helpful information so to make sure you buy the best homeowners insurance policy in New Orleans
What makes a great homeowners insurance policy?
A standard homeowners insurance policies does not include all the coverage you need to protect your home
You need to make sure you add the additional coverage endorsements such as equipment breakdown, sewer backup, service utility line replacement, replacement cost contents, refrigerated products and extended replacement cost to name a few
If your policy is weak and stripped down in an attempt to lower the rate you could be left with an uncovered claim and payingNew repair damage out of your pocket
EXTENDED REPLACEMENT COST UP TO 25%
One of the most important coverage options I recommend is the extended replacement cost 25% endorsement in New Orleans
The rising cost of building materials such as roof shingle after a hurricane or the cost of lumber due to a shortage can increase the cost to rebuild your home
After a few years if your home insurance policy is not reviewed by the best insurance broker in New Orleans you could be left with not enough insurance coverage to rebuild your home
The Extended Replacement cost endorsement will give you an extra 25% of coverage to rebuild
An example is a 200,000 homeowners insurance policy will only pay 200,000 and not a penny more to rebuild your home but if you have the extra 25% the insurance company will pay up to 250,000
Our New Orleans homeowners insurance policy includes this extended replacement cost option
HERE ARE OTHER INSURANCE OPTIONS FOR YOUR NEW ORLEANS HOME
From 1 to 100 rental properties we can help lower your insurance rate so you can keep more of your rental income
When you need to protect your home when it is up for sale
When you need to renovate a vacant property before you sell it
Rates are going up in 2021 due to multiple hurricanes striking the Gulf Coast
Access to more than one insurance company is the only way you can keep your rates steady without sacrificing coverage or raising your deductible
When a hurricane strikes the Gulf Coast all insurance companies need to raise their rates to absorb the losses in hard hit areas
HOMEOWNERS INSURANCE WITH A PREFERRED COMPANY
We offer a 3 option homeowners insurance proposal from an A rated insurance companies
The financial stability you need after a claim and the low homeowners insurance rate you want
Contact us today
Protecting your home, rental property, condo or commercial building we can help
Office
1810 Barataria Blvd Marrero La 70072
2637 Edenborn Metairie La 70002
Hours
Mon-Fri: 9am – 5pm
Sat: Text and Email
Sun: Text and Email
contact@fmagencygroup.com
service@fmagencygroup.com
tim@fmagencygroup.com
Phone
La: 504-348-3131
Al: 251-325-3987
Ms: 228-395-8599