Home Insurance
You might have a large investment in your home, but your risks can be reduced to zero if you have home insurance. Suppose a peril like a hailstorm or fire strikes your Louisiana home. Within minutes, what was a beautiful home can be reduced into ashes. Luckily, if you have home insurance from Chabert Insurance Agency LLC, it can save you from financial loss should a covered peril consume your house.
Home insurance coverages
If you are shopping for home insurance in Louisiana, you need to understand the different coverages. These include:
Dwelling coverage
This coverage repairs or rebuilds your home if destroyed by fire, lightning, hurricane, or any other peril listed in your policy. Most policies may also cover detached structures like the shed or gazebo at an additional premium. Ultimately, when purchasing home insurance, buy enough coverage to replace your home.
However, to note, typical home insurance won’t cover you against damage from floods, wear and tear, and pest infestation.
Personal belongings coverage
Home insurance also covers the contents of your home, including your clothing, electronics, and furniture. And to ensure everything in your home is protected, conduct an inventory count to ensure nothing is left out. For high-value items like jewelry, art, and fur, standard home insurance gives limited protection. However, you can purchase a special rider or endorsement to boost your coverage.
Liability coverage
Because accidents can happen, home insurance protects you when third parties accuse you of causing physical injury or property damage to them. For instance, if your dog bites a guest, home insurance covers medical expenses and legal costs should you be sued.
Additional living expenses
If a covered peril, such as fire, destroys your home, making it unlivable, your home insurance covers the temporal living expenses until your home becomes habitable again.
Buy home insurance in Louisiana.
Ready to invest in home insurance? Look no further than Chabert Insurance Agency LLC for an affordable home insurance quote. Contact our office to get started with a home insurance quote or try our online rating tool.
