Homeowners Insurance Information                                                GET QUOTE

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 financial protection against disasters.  A standard policy insures the home itself
and the things you keep in it.

Homeowners insurance is a package policy.  This means that it covers both damage to your property and your
liability or legal responsibility for any injuries and property damage you or your members of your family cause to
other people.  This includes damage caused by household pets.

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

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions.  
That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damage by a natural disaster, you'd need money to repair or replace
    it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine
maintenance.  Ask your agent to talk about what is covered and be sure to read your policy so you know exactly
what's included and what is not.

Things to consider and questions to ask your agent:
  • How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed?  
    (Ask your agent to talk you through your home's features and the things you own so you can make an
    informed decision about coverage.)
  • Does the insurance company have a good reputation for customer service?  Is it known for paying claims
    fairly and promptly?
  • What discounts are available?  (Ask about multiple policy, security system, and fire resistance discounts.)
  • What's the process for filing and settling a claim?  (Ask who to call and what happens after you file a claim.)
Phone:  (337) 267-7979
Fax:  (337) 326-4761
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4103 Cameron Street                Lafayette, LA  70506
Phone:        (337) 267-7979 or (337) 267-7910                Fax:        (337) 326-4761