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Homeowners Insurance for Louisiana Homes

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Coverage Overview

Protect Your House and Belongings

A standard policy covers the dwelling, other structures, personal property, liability, and loss of use if you must live elsewhere after a covered loss. Flood is not included and requires a separate policy. Many Louisiana policies include a special wind or hurricane deductible. Granen Insurance helps you match limits to your rebuild cost and pair home with Auto insurance for savings.

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Tailored for Louisiana Homeowners

From Old Metairie to Gentilly and the Westbank, we account for wind exposure, roof age, and local building codes. We review your association rules if you are in a townhome or condo building and confirm how a hurricane deductible applies. When carriers change appetite, we keep shopping so your coverage stays steady.

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Protecting Property And Liability

We calculate replacement cost for the dwelling, then set personal property coverage to fit what you own. Ask about replacement cost on contents, water backup, service line, equipment breakdown, and extended dwelling coverage. If you keep valuables like jewelry or collectibles, schedule them for higher limits. Add personal liability and consider extra protection with Umbrella insurance for higher risk households or pools.

Warehouse flooded, goods inside.

Flood And Wind Considerations

Flood insurance covers rising water and is separate from homeowners. In low-lying parts of the metro and near the lakefront, a flood policy can be essential. We explain waiting periods, elevation certificates, and how contents coverage works. If you own a condo, coordinate your unit policy with the master policy and see our page on Condo insurance for details.

FAQ –   Home Insurance

Answers for Louisiana Owners

  • Why are rates high?

    Coastal exposure, severe weather, and claim costs drive prices. We help mitigate cost with discounts and carrier selection.

  • How much coverage do I need?

    Enough to rebuild your home at today’s labor and material costs. We calculate this with you.

  • Are hurricanes covered?

    Yes, subject to your wind or hurricane deductible and policy terms.

Protect Your Home Investment

Comprehensive Protection for Louisiana Homes

Protect your home and belongings from fire, storms, and theft. Granen Insurance connects you with top carriers to ensure your home stays secure.