Homeowners Insurance

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Buying a home is an exciting venture, but it's also a nerve-wracking one. There's so much to consider, including what type of insurance you should buy. Not having enough coverage can mean running the risk of losing important belongings without any recourse to replace them, or even being left without a home to go back to.

Have no fear. DJW Insurance Agency pairs homeowners with the right amount of home insurance coverage for the right price. We understand what a hassle it can be to find the right insurance policy. But we make it easy by offering affordable home insurance to our clients.

Common Home Insurance Questions In Acadiana

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.

Which Home Insurance Options Are Essential In Louisiana?

There are no laws on home insurance in Louisiana, but it’s crucial to have coverage. A typical homeowners policy can cover a lot, but you also need flood insurance. Floods are a common threat in Louisiana, and they aren’t covered beneath a typical homeowners insurance policy.

How Much Is Insurance For The Average House In Acadiana?

While there aren't specific insurance figures for the Acadiana region, the average cost of home insurance in Louisiana is $1,945 a year.

Is Home Insurance Worth It? 

In addition to often being required by your mortgage lender, having adequate home insurance can help protect you financially if the unthinkable happens. You can’t plan when or if disaster will strike, but you can plan for how you may be able to respond. Fires, inclement weather or theft can happen at any time. While home insurance may seem like an investment you hope to never use, you don’t want to be without this assistance if your home or belongings become damaged or stolen, or a guest gets hurt on your property. Without home insurance, you’ll be left to foot the bill for repairing or rebuilding your home, replacing damaged goods or settling a third-party injury claim or lawsuit.  

What Is The Best Home Insurance For Acadiana?

It's recommended that you purchase a home insurance policy that covers liability, property damage, personal belongings and additional living expenses. It's also a good idea to get flood insurance.

What Is The Cheapest Version Of Home Insurance I Can Get?

You may be able to purchase the minimum general liability and property damage requirements set by your mortgage lender. However, it's recommended you purchase more coverage to protect yourself and your family’s assets.

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.