Home & Property Insurance

Every home is unique.

Your home is important to you, and likely your most valuable asset. When that home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. We are here to find the insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.

Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide a sense of security as well as the money you need to repair or replace your home and/or belongings.

The Right Coverage, Price, and Value That Fits For You

The amount you pay for your homeowner’s insurance depends on many factors. Think of your personal housing situation and the assets you want to protect.

  • Protection for Your Home

    Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.

  • Protection for You and Other People

    Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.

  • Medical Coverage

    This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

  • Additional Living Expenses

    If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses (commonly for up to 24 months) while damage is assessed and your home is repaired or rebuilt.

  • Protection for Your Belongings

    Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.

  • Scheduled Personal Property Coverage

    If you have special possessions such as jewelry, art, antiques, or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.

  • Service Line Coverage

    Chances are you have underground utility lines that bring water, power, and communications to your home. And you might be surprised to learn that damage to these service lines—such as pipe freezing or tree root invasion—is often your responsibility, not the service providers. What’s more, when something goes wrong, repairs can get expensive talk to your agent about this additional coverage.

  • If You Rent Out Your Home

    Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings.

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Protect What Matters to You

Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.

Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.

Homeowner insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.

Whether you’re a home or condo owner, a renter, or a landlord, we will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.

Your home insurance policy is most often made up of the specific options you choose. How much you’ll pay for your policy depends on:

Options you select– Often home owner insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.

How much you want to cover– Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $1,000 deductible, you would be responsible for paying the first $1,000 of the covered loss.

Where you set your limits– You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.

Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your liability coverage.

Office:
10015 Jefferson Hwy, Suite F

River Ridge, LA 70123

Call
504-302-4909

Site:

www.debautteins.com

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