What Is In Affordable Homeowner's Insurance In Louisiana

Posted by Nick Niesen on October 29th, 2010

Since the disasters caused by Hurricane Katrina, many Louisiana homeowners have scurried to purchase Louisiana homeowner?s insurance, or to make changes to their existing Louisiana homeowner?s insurance policies. If you?re one of the Louisiana homeowners who hasn?t yet taken action to better protect your home and possession, there?s no time like the present to get started.

Most Louisiana homeowner?s insurance companies don?t offer flood protection ? a coverage you definitely need when hurricanes and other severe storms hit. Luckily, you can purchase Louisiana flood insurance through the Federal Emergency Management Agency?s (FEMA) National Flood Insurance Program (NPIF). Simply visit their websites, check out the coverage they offer, and give them a call to speak to a live representative.

But Louisiana?s home owner?s insurance shouldn?t focus solely on repairing the water damage your home sustains, should it? There are many factors to consider when you?re purchasing your Louisiana homeowner?s insurance policy ? factors that go beyond frame and structure damage, as well as damage to everyday items such as furniture, dishes, clothing, etc.

As you?re determining the kind of Louisiana homeowner?s insurance policy to purchase, keep the following additional coverage options in mind:

? Expensive items such as jewelry and fur

? Electronic items including cameras, computers, printers and scanners

? Passports and travel or event tickets

? Deeds

? Musical instruments

Sure, you can store your valuables in the bank, but do you really want to travel to the bank each time you need your passport? Ask your Louisiana homeowner?s insurance representative, or the representatives of the various Louisiana homeowner?s insurance companies you are considering, about the kinds of coverage options the company offers.

Of course, the additional coverage options will vary from insurance company to insurance company. If you have any of these items, or similar items, and you want to protect them, choose a Louisiana homeowner?s insurance company that offers you the option of purchasing add-ons to your insurance policy.