In the South, we know all too well that disaster can strike at any time. Protecting your family's home is critical.
With First Louisiana, you have options. Whether you are settling
into your multi-million dollar dream home or you are purchasing your first starter home, we provide the most suitable market options for your individual situation.
What Insurance covers
If your home was destroyed by fire or damaged 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 you to carry insurance.
Why do I need Homeowners Insurance?
Homeowners insurance provides financial protection in case of damage or destruction due to disasters. A standard policy insures the home itself and can include contents of the home as well.
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 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.
It all comes down to protecting yourself financially if something unexpected happens to your home or possessions. That's important because for most families, their home is their largest investment.