Homeowners Insurance in Kenner, LA
Homeowners insurance, also known as home insurance, is typically required by mortgage lenders. Even once your loan is paid off, keeping a policy can still be worthwhile, as it may cover repairs, replacements and other covered losses.
What Does It Cover?
While policies may vary per insurer, many standard homeowners insurance plans include the following:
- Dwelling coverage can help repair or rebuild your home if it’s damaged by covered events such as fire, windstorms or vandalism.
- Other structures coverage may financially assist you if additional buildings on your property, such as detached garages, are damaged by a covered peril.
- Personal property coverage may cover your belongings, like furniture and electronics, if they’re stolen or damaged.
- Liability coverage may apply if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional living expenses coverage can help pay for temporary housing and living costs if your home becomes uninhabitable due to a covered loss.
How Much Does This Policy Cost?
What you pay for home insurance can vary based on your home’s location, age and condition, the value of your personal property and your chosen limits and deductibles.
What Are the Steps in Filing a Claim if I Have Damage?
If you experience losses, you may:
- Contact your insurance agent or company as soon as possible.
- Review your policy so you understand what may be covered.
- Take photos or videos of the damage and make a list of affected items.
- Take reasonable steps to prevent further damage, if it is safe to do so.
- Submit your claim and provide any documents your insurer may request.
The Fitzwilliam Insurance Services LLC Difference
We offer homeowners insurance solutions for homeowners in Kenner, LA, designed to fit your home and budget. Contact Fitzwilliam Insurance Services LLC today to review your coverage and receive a free quote.