Quality Home Coverage Designed for South Louisiana
Living in coastal Louisiana means property owners face distinct weather patterns, tropical storms, and wind events. The Premiere Metro Group specializes in structuring homeowners policies that balance comprehensive protection with manageable hurricane deductibles.
What Does a Homeowners Policy Cover?
- Dwelling Coverage (Coverage A): Rebuilding your home's structure after fire, windstorms, hail, or lightning.
- Other Structures (Coverage B): Detached garages, fences, sheds, and outdoor fixtures.
- Personal Property (Coverage C): Furniture, electronics, appliances, clothing, and personal belongings.
- Loss of Use / Additional Living Expenses (Coverage D): Hotel and living costs if your home becomes uninhabitable during repairs.
- Personal Liability & Medical Payments: Protection if someone is injured on your property.
Important Note on Flood Damage: Homeowners insurance policies do NOT cover rising flood water or storm surge. We strongly recommend pairing your homeowners policy with a dedicated Louisiana Flood Insurance Policy.
Understanding Named Storm & Hurricane Deductibles
In Louisiana, policies typically carry a separate percentage deductible (typically 2% to 5% of your dwelling coverage) for named storm damage. Our advisors evaluate multiple carriers including Cajun Underwriters, SafePoint, Centauri, and Louisiana Citizens to optimize your deductible and premium.