Property Insurance

Owning property is a great way to grow wealth, but it also means taking on an element of risk. Insurance steps in to manage that risk, which means purchasing the right policy is a vital step in managing whatever kind of property you have.

Even people who don’t own a great deal need to consider property insurance, since it can take care of you by ensuring you never have to start over again with nothing.

Homeowner’s Insurance

Homeowners are responsible for every part of their property and land. If a tornado strikes and rips the roof away they’re the ones who have to replace it. If their dog bites someone on the property, they’re responsible for paying those medical bills. 

These risks would almost be too much for anyone if homeowner’s policies didn’t exist. A homeowner’s policy helps you repair your home inside and out when a covered event occurs. It also helps you pay for lawsuits, up to policy limits, when someone gets hurt on your property.

The right policy can save you thousands, as it will cover small events as well as big events. A hail storm may only take out a few shingles, but knowing your homeowner’s policy will fix the problem will make it a lot more feasible for you to call the roofer for repairs before the problem gets out of control. Click for more information on Homeowners Insurance

Mobile Home Insurance 

Mobile home insurance cover many of the same issues that homeowner’s insurance covers, but the cost of these policies are adjusted for the lower cost of the home. These policies also account for the fact that mobile homes are typically less durable than a standard single-family property. 

Keep in mind that older mobile homes can develop a lot of maintenance problems. It will be up to you to stay on top of them, as no mobile home policy will cover you if your own failure to perform basic maintenance results in the loss of your home. Click for more information on Mobile Home Insurance. 

Landlord Insurance

A standard homeowner’s policy doesn’t cover you when you’re renting out property, even if you’re renting out a standalone single-family home. In addition, a landlord’s policy lets you cover the home itself without paying to cover your tenant’s personal belongings. 

These policies also offer increased liability coverage since tenants increase the risk of a third party getting hurt inside your home. Eventually a tenant could sue you, and when they do you want to be ready. Click for more information on Landlord Insurance. 

Condo Insurance

When you own a condo you your building or the land it’s sitting on, but you do own the “walls-in” portion of your unit. A condo policy will protect both the interior of your property and your personal belongings, allowing you to replace carpets, walls, ceilings, or personal property in the event of a covered disaster.

Condo policies also come with liability coverage that protects you if someone gets injured inside of your home. Click for more info on Condo Insurance. 

Renter’s Insurance

Even renters have property to protect. Renter’s insurance covers your personal property in the event of fire, theft, or natural disaster. It can also keep a lawsuit from wiping out your personal assets if someone comes into your apartment and gets hurt.

For many renters, the biggest benefit of these policies are temporary housing benefits. When a disaster renders your apartment unlivable it’s good to know you’ll be able to keep a roof over your head. Click for more information on Renter’s Insurance.

Flood Insurance

Flood insurance is especially relevant to Metairie residents. That’s because severe storms and high waters are a part of our lives every year. 

It may surprise you to learn that most homeowner’s policies don’t cover flooding. Instead, property owners have to purchase a separate flood insurance policy. This is because floods are some of the most destructive things that can happen to a home.  Click for more information on Flood Insurance. 

Need property insurance? 

Call  (504) 228-7184 to get started. We can answer all your questions and help you choose the policy that’s right for you.

 

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property insurance

We offer property insurance in the New Orleans and Metairie area, as well as any part of Louisiana.