Homeowners Insurance

Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.

What is Homeowners insurance?
Homeowners insurance provides economic protection against certain disasters. A standard policy insures the dwelling structure itself and your belongings.

Homeowners insurance is a package policy, meaning that it covers both damage to your property and your liability (A.K.A. legal responsibility) for any injuries and property damages you or members of your family cause to other people. Including harm caused by your pets in most cases.

Peril caused by most disasters is covered, but there are exceptions. The most significant are damage caused by flood and poor maintenance. You must buy two additional policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

We specialize in high value homes along the Gulf Coast, specifically home insurance in Baton Rouge, Denham Springs, Hammond, Thibodaux, or any other South Louisiana area.
Why do you need homeowners insurance?
It's really all about protecting yourself financially if something unexpected happens to your house, which is often an American's largest investment. And your mortgage company requires it. 

• If your house was destroyed by natural disaster or a fire, you'd need money to replace it or repair it.
• If a guest in your home is hurt, medical and liability protection help to pay expenses.
• If you are a victim of vandalism or theft, it can pay for the repairs or replace your belongings.
• If you have a mortgage or loan, the bank will mandate coverage.

Coastal Louisiana Insurance is here for your home insurance and auto insurance needs in any South Louisiana area, such as Baton Rouge, Denham Springs, Hammond, Thibodaux. Call us now to let us help you out!