Safeguard your home, personal belongings, and real estate investments with tailored policies built for North Louisiana property owners.
From historic homes in Shreveport's Highland district to new builds in Bossier City, we secure comprehensive replacement cost coverage for your property and personal belongings.
Affordable coverage for tenants and condo owners. Protect your furniture, electronics, clothing, and personal liability without paying to insure the outer building structure.
Specialized insurance for real estate investors. Protect your rental homes, duplexes, and multi-family units against structural damage and loss of rental income.
Standard home policies completely exclude rising water. With frequent heavy spring rains causing flash floods across Caddo and Bossier parishes, separate flood coverage is essential.
Coverage descriptions are for informational purposes only. Please review your specific policy for exact coverages, terms, limits, and exclusions.
Louisiana property owners face unique weather challenges, from sudden spring hail storms to residual Gulf Coast hurricane winds. A standard homeowners policy shields your physical assets and financial wellbeing:
Pays to rebuild your home's structure. We help you navigate Louisiana's specific Named Storm and Hurricane deductibles (often 2% to 5% of your dwelling's value) versus standard flat deductibles.
Covers unattached physical structures on your land, such as detached garages, storage sheds, swimming pools, and fences that are highly susceptible to wind and hail damage.
Replaces your personal belongings—including furniture, electronics, clothing, and appliances—if stolen or destroyed by a covered loss.
Covers temporary hotel stays, meals, and extra living costs if a covered disaster renders your home uninhabitable during repairs.
Defends you against lawsuits and pays for bodily injury or property damage caused to visitors on your premises or by family members.
Helps cover immediate medical bills for guests who are accidentally injured on your property, regardless of legal fault.
In Louisiana, hurricane and named storm deductibles typically range from 2% to 5% of your home's total insured dwelling value, rather than a flat dollar amount.
No. Standard homeowners policies explicitly exclude damage from rising water. To protect against flash floods in Shreveport and Bossier City, you need a separate flood insurance policy through the NFIP or a private carrier.
If a covered disaster makes your home uninhabitable, Loss of Use covers your temporary living expenses, including hotel bills and extra food costs, while your home is being repaired.