Homeowners Insurance in Natchitoches, Louisiana

Located in the historic city of Natchitoches, Louisiana, DJW Insurance Agency is a trusted resource for homeowners seeking reliable and personalized insurance coverage. As Louisiana’s oldest city, Natchitoches is celebrated for its charming brick streets, stunning Cane River views, and vibrant community spirit. DJW Insurance Agency takes pride in safeguarding the homes that define this beautiful and storied town, offering tailored homeowners insurance solutions to meet the unique needs of its residents. Whether enjoying the festive lights of the holiday season or exploring the rich cultural heritage of the area, our dedicated team is committed to providing exceptional service and peace of mind to homeowners in Natchitoches and the surrounding communities.

Why Do You Need Homeowners Insurance?

Homeowners insurance is incredibly important. It can protect your home, belongings and ensure you have the means to move, should something happen to your original house. Mortgage lenders also typically require you to carry, at minimum, liability insurance. Homeowners insurance generally provides coverage for:

• General Liability: This protects you and your family in the event one of you causes bodily injury or property damage to someone else. This can even extend off the property.
• Property Damage: This protects the physical structure of the home as well as its attached structures, such as an attached garage. Some policies also cover detached structures, such as sheds. This coverage does not include flood or earthquake coverage. It does provide coverage against fire, hail, smoke, lightning and wind.
• Personal Belongings: Personal belongings coverage helps pay for items lost or damaged due to a covered incident. These are the same incidents covered under property damage. This coverage also excludes flood and earthquake damage.
• Additional Living Expenses: Known as ALE, this coverage provides monetary assistance if you must temporarily move elsewhere while the home is being rebuilt or repaired.

You can extend your policy with extra coverage and save money by bundling. Ask a DJW Insurance agent about discounts you may be eligible for. You can also save money by adding safety aspects to your home, such as fire alarms and burglar alarms.

Get Insured Today

DJW Insurance Agency wants clients to feel safe in their home. Know you're covered in case of a disaster by calling us today at (337) 364-7614 or filling out an online quote form to get started. You can also stop by one of our offices.