Did you receive a quote from a surplus lines homeowners insurance company?

or do you currently have a surplus lines homeowners insurance policy?

Here is some information on surplus lines insurance companies.


Surplus Lines Companies writing in Louisiana ARE NOT

  • licensed from the Louisiana Department of Insurance to write insurance in Louisiana
  • bound by rate and form regulations and are not strictly regulated to protect policyholders
  • protected by LIGA, the Louisiana Insurance Guarantee Fund
  • financially obligated to contribute to LIGA


Although a Surplus Lines Homeowners Insurance Company is not licensed by the State of Louisiana, it is allowed to do business in Louisiana.

Surplus Lines Homeowners Insurance Companies are often referred to as non-admitted insurance companies.


What Risk is involved moving my Homeowners Insurance to a Surplus Lines Company?


If your insurance is with an admitted insurance company, your house is protected up to 500,000 with the Louisiana Insurance Guarantee Fund in case of insolvency.


If you place your home insurance with a Surplus Lines company,  you have no protection if the company becomes insolvent or decides to leave the state after a major claim event.

Surplus Lines Insurance Companies were created to give policyholders another option when admitted insurance companies would not write the policy.

To learn more about Excess and Surplus Lines Insurance, the American Association of Managing General Agents

click here AAMGA

To better understand Surplus Lines Insurance, James Donelon, Louisiana commissioner of insurance, issued this Bulletin NO.2013-06

The document states the “diligent efforts to place the insurance with admitted carriers”. 

It also has a copy of the surplus lines affidavit needed for signature




The one major advantage is the company can more flexible when it comes to coverage and rate. If you are declined by every admitted insurance company, often a surplus lines insurance company will accept the risk.

Having a surplus lines insurance company write your homeowners policy does not indicate in any way the company can not pay their claims. 

You just need to consider the protection by LIGA if you are choosing between an admitted insurance company and a surplus lines policy.

If you have a surplus lines homeowners policy and would like a quote proposal with an admitted insurance company,



Call us at 504.348.3131

click here to complete our quick contact form

click here to complete our homeowners quote form

click here to email us an automated email from you to get in touch.