New Orleans Homeowners Insurance

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 paying 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

VACANT HOME INSURANCE

When you need to protect your home when it is up for sale

RENOVATION HOME INSURANCE

When you need to renovate a vacant property before you sell it

NEW ORLEANS HOMEOWNERS INSURANCE

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