Best Homeowners Insurance Agencies 2022
Louisiana Insurance Service
Louisiana Insurance Service is a homeowners' insurance provider based in New Orleans. It helps clients secure their financial future and protect their families and properties by offering homeowners' insurance products. These cover home repair expenses, liability, loss of valuables, and temporary living expenses if the clients' homes become damaged due to accidents or disasters. Louisiana Insurance Service has been operating since 1950. It carries insurance products from Chubb, Encompass, and National General.
A. Foto Insurance & Title Transfers
For more than three decades, A. Foto Insurance & Title Transfers has offered home insurance policies to the residents of New Orleans, Louisiana. The company is family-owned and operated and has four locations in the state. Mobile agents are also available to meet customers in their homes or offices. Homeowners insurance policies from A. Foto Insurance & Title Transfers cover property damage and loss, as well as liability if a guest is hurt on the property.
Alpha Insurance Agency
Alpha Insurance Agency has been serving the New Orleans area since 2001. It works with homeowners and real estate agents to provide the right plans for their homes. Its homeowners' insurance policies include coverage for damage, lost personal property, and medical payments. It also offers flood, auto, and commercial insurance products. The agency has partnered with carriers such as Chubb and Progressive. Alpha Insurance Agency was established in 2001. Since 2012, it has been managed by current owners Bryan Duplantier and Kathy Dutsch.
Stone Insurance, Inc.
With offices in Metairie, Louisiana, Stone Insurance Inc. is one of the largest independent insurance agencies in the state, providing home insurance throughout the New Orleans metro. Founded in 1919, the agency provides coverage for the dwelling and its contents and offers protection from liability for injury and medical coverage should someone suffer an injury on the property. Stone Insurance offers a full array of insurance products, including life, auto, and business insurance.
Garcia Insurance Services
Garcia Insurance Services is a local and independent insurance agency based in New Orleans, Louisiana. It has been providing home insurance coverage and advice to customers since 2010. The company works with multiple insurance providers to obtain the most appropriate policy for each customer. It can help with coverage for fire, hail, smoke, falling objects, vandalism, and theft of personal property. Garcia Insurance Services also offers auto, flood, and commercial insurance.
Ann Sagona Insurance Agency, Inc
Ann Sagona Insurance Agency Inc is a full-service, independent agency based in Metairie, Louisiana, providing insurance solutions to homeowners throughout the Central and Southeastern part of the state. With over three decades of service, the agency offers homeowners, landlords, and renters customized insurance solutions to meet their unique needs. Policies protect against natural disasters, vandalism, theft of home's contents, or liability for property damage and injuries caused to other people. The business also handles auto, watercraft, and business insurance.
Ronald C. Guidry, Sr. Insurance Agency
Ronald C. Guidry, Sr. Insurance Agency caters to the needs of individuals, families, and businesses throughout New Orleans. It assists homeowners in acquiring a policy that grants them financial protection against unexpected damages caused by natural disasters, theft, or vandalism, as well as liabilities for injuries that guests sustained while in their homes. Flood insurance plans are also available. As an independent agency, it can help clients shop for insurance plans from different companies such as The Hartford and Centauri Insurance.
Financial Assurance, LLC
Financial Assurance, LLC, is an independent agency that caters to individuals, families, and businesses in the New Orleans metro and the surrounding communities. It offers homeowners' insurance policies, which pay for clients' home structure and personal properties should an accident occur. It provides car, motorcycle, umbrella, manufacturers', surety bonds, and workers' compensation insurance plans. The firm works with various carriers, including Chubb, MetLife, Progressive, Safeco Insurance, and Travelers. Financial Assurance has been operating since 1955, assisting clients in the aftermath of hurricanes that have struck Louisiana.
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Noah W. Lewis & Associates
Noah W. Lewis & Associates is a family-owned agency that caters to individuals, families, and businesses in the New Orleans metro and the surrounding areas. It offers homeowners' insurance policies, which cover damage to clients' property and personal possessions and liability for injuries caused to other people. It provides auto, bonds, flood, renters', general liability, and workers' compensation insurance plans. It represents various companies, such as Progressive, Southern Fidelity, and Travelers. The firm has been in operation for over 15 years.
Clements Insurance
Clements Insurance caters to clients in New Orleans and the surrounding areas. It helps clients with their expenses if disasters or accidents damage their homes or injure others by offering homeowners' insurance products. This insurance also provides reimbursement for clients' losses and property damages due to theft or vandalism. It also carries automobile, motorcycle, recreational vehicle, watercraft, and life insurance services. Clements Insurance is affiliated with Stonetrust, Access Insurance, Progressive, National General, and American Strategic Insurance.
Cook Brian P. Insurance Inc.
Brian P. Cook Insurance in Gretna, Louisiana, serves the home insurance needs of residents throughout New Orleans and the surrounding area. Established in 2000, the agency helps its customers navigate their way through the complex home insurance purchase process by guiding them to the right types and levels of coverage based on their individual situations. The agency also sells renters insurance, flood insurance, and windstorm insurance in addition to other personal insurance products.
Martin Insurance Agency Inc.
Martin Insurance Agency Inc. responds to the insurance needs of residents in New Orleans. The agency offers options for personal insurance, which includes home, rental, condo, automobile, and flood insurance policies. Its commercial insurance options cater to a range of business sizes, from one-man shops to sizeable corporations. The company handpicks carriers to suit each client's needs and preferences. The family-owned firm was established in 1876 and is a member of the Louisiana Surplus Line Association.
Daul Insurance Agency
Founded in 1959, Daul Insurance Agency is an independent insurance agency based in Gretna, Louisiana, serving the New Orleans metro area. It has built relationships with many insurance carriers, widening the list of policies it can secure for its clients. The agency's homeowners insurance is a package policy, incorporating personal protections and losses that it can tailor to the client's unique requirements. Daul Insurance Agency also provides auto, flood, and marine insurance.
Carbo Insurance
Carbo Insurance is an insurance agency that serves the New Orleans community. For over 40 years, the agency has helped a diverse portfolio of clients protect the things that are important to them, whether it's their home, business, family members, or cars. Recognizing that homes are often the biggest investments in their clients' lives, its agents offer multiple options for individuals and families to choose from. They also review the clients' policies yearly.
Manny Hidalgo
Manny Hidalgo is a State Farm agent who offers homeowners' insurance in the New Orleans area. The insurance product covers home repairs and replacements as well as items and assets inside the property. The personal property is covered even if the owner is on vacation or running errands. In addition, Hidalgo offers renters', auto, business, life, and health insurance. He also provides pet medical insurance that helps the owners with their furry member's medical costs.
Cas Fontenot
Cas Fontenot serves the financial security needs of individuals and families all over the New Orleans metro and the surrounding areas. He offers homeowners' insurance packages and related products, such as property, auto, business, life, and health policies. He has been a Statefarm agent since 1996. Cas leads a professional team that can accommodate clients in English and Vietnamese at his Algiers office. He also offers assistance with banking, annuities, and mutual funds.
Southern Insurance Agency LLC
Southern Insurance Agency LLC is an independent insurance business that covers residents of New Orleans and nearby communities. Its staff is composed of certified public accountants, professional insurance agents, and notary officials. They offer different homeowners policies based on a client's unique housing features. These policies can include coverage for garages, deductions for safety alarms, and multi-story house repairs. In addition, the agency can provide coverage for commercial properties and real estate options. This includes specialized policies for restaurants, condos, and hotels.
Bowles & Associates, Inc.
Bowles & Associates, Inc., has been helping New Orleans homeowners protect their assets with insurance since 1994. There are coverages available for various types of homes, such as single-family houses, modular homes, townhouses, doubles, and mobile homes. Its agents understand that Louisiana residential properties constantly face the threat of damages caused by severe weather conditions, thus they find clients the policies with the best possible coverage options. Bowles & Associates also offers flood insurance protection.
Pappalardo Insurance
Located in New Orleans, Pappalardo Insurance has served the city and the entire state of Louisiana since its founding in 1943. It is a family-owned insurance agency under the leadership of Albert Pappalardo and Albert Pappalardo, Jr. Pappalardo Insurance works to educate clients on what is and is not covered under a home insurance policy, such as structural damage, personal items, and medical or relocation expenses. Pappalardo Insurance uses full replacement valuation when calculating home insurance quotes.
Value Insurance Agency
Value Insurance Agency serves clients in New Orleans and its nearby areas. This agency helps clients find and purchase adequate homeowners insurance policies to cover them against financial loss in case of accidental damage, theft, or destruction of their homes. Its homeowners' policies also provide coverage for liability and medical payments in case a guest gets injured on the client's premises. Other insurance products include renters', flood, and personal articles' insurance. Business owners' insurance is also available for entrepreneurs.
TWFG Insurance
TWFG Insurance is an independent company that caters to clients' needs in New Orleans and its neighboring areas. It offers different kinds of home insurance for homeowners, renters, and condo owners. In addition, the agency provides other types of insurance services, including life, business, auto, motorcycle, and boat. Its team of agents has more than 30 years of collective industry experience. TWFG Insurance branch manager Gregory C. Brown is a Certified Professional Insurance Agent.
Classic Insurance Agency
Classic Insurance Agency is an independent insurance agency that has four branches throughout the state, including an office in New Orleans. It caters to first-time homeowners and longtime residents of the city. The agency provides them with customized quotes based on their house's date of construction, roofing age, and exterior structures. It also helps them process their claims online or add specialized coverages for perils like theft and earthquakes. The company's team speaks Spanish and can contact clients through the Spanish version of the website.
LA Twins Insurance
LA Twins Insurance offers various policies to clients in New Orleans. Homeowners can get financial protection for damage caused by fires, floods, and storms. The policy also provides compensation for stolen personal items, vandalism, and injuries that occur inside the residence. In addition, clients can get insurance for condos and rental properties and plans for cars, motorcycles, and boats. The company has more than 20 years of experience in individual and commercial insurance.
Olympus Insurance Agency
Active since 2013, Olympus Insurance Agency is an independent agency that caters to homeowners in New Orleans. It provides quotes for all types of homeowners' insurance policies, both general and specialized, from multiple local and national carriers. The agency can help its clients determine which coverages to include or exclude from their policies, such as theft reimbursement and flooding repairs. Olympus Insurance Agency is a member of multiple professional organizations, including the Independent Insurance Agents & Brokers of Louisiana.
Brooks Insurance Services Nola
Brooks Insurance Services Nola serves clients in and around New Orleans. The insurance company offers various personal and commercial lines, including homeowners' insurance. This type of insurance protects policyholders from financial losses in the event of fire, theft, or vandalism. It may include the structures, personal belongings, and premises liability. Clients can also add coverages that are not included in standard policies. The insurance agency is committed to serving clients regardless of the size and the type of insurance they need.
3rd Millennium Insurance
3rd Millenium Insurance & Financial Services, Inc., is a minority-owned commercial insurance broker that has been serving clients in New Orleans and the surrounding region since 1994. Its agents assist individuals and families in providing protection for their coastal homes with insurance coverage options. The insurance program offers basic and extensive protection coverage options for the client's home, property structure, and personal belongings. Clients can also choose additional security features such as a home replacement guarantee and content replacement costs.
Kennedy, Lewis, Renton, & Associates, Inc.
Kennedy, Lewis, Renton, & Associates, Inc., is an independent agency that has been serving individuals, families, and businesses in the New Orleans metro and the surrounding areas since 1996. It helps clients protect their properties and personal belongings by offering homeowners' insurance policies. Also included in its line of products are auto, condominium, personal liability, renters', and workers' compensation insurance plans. It represents various carriers, such as Chubb, Hagerty, Progressive, and Safeco Insurance. The firm is a member of the Professional Insurance Agents of Louisiana.
Kerry Landry Insurance
Kerry Landry Insurance caters to individuals, families, and businesses in the New Orleans metro and the surrounding communities. It offers homeowners insurance policies, helping clients protect their homes and personal possessions. It provides insurance for properties under construction, rental properties, and vacant homes. Also included in its line of products are auto, flood, general liability, motorcycle, umbrella, and workers' compensation insurance plans. Kerry Landry Insurance is a member of the Professional Insurance Agents of Louisiana.
Accessible Marine Insurance
Accessible Marine Insurance is an independent insurance agency based in New Orleans, Louisiana, and with over five decades of service in the insurance industry. The firm provides a range of insurance solutions for homeowners looking to protect their home, its contents, and other structures within the compound, such as a garage or shed. Renter's coverage is also available. Accessible Marine Insurance works with several reputable insurance carriers, and one of its specialty areas is marine coverage solutions.
Emery & James, Ltd. Gohres Insurance
Emery & James Ltd. Gohres Insurance is an independent agency that provides objective personal and business insurance advice. Located in Metairie, Louisiana, with offices in Hammond and Covington, the home insurance specialist serves clients throughout the New Orleans metro area. It is partnered with over 30 insurance companies, which gives it a wide range of home insurance policies to offer each client. Coverage can include repairs to the structure of the property and reimbursement for personal items damaged or stolen.
Gama Insurance Agency
Gama Insurance Agency is a local independent insurance company located in Kenner, Louisiana. For over 15 years, the company has been providing home insurance policies from a range of companies to the residents of Louisiana. Gama Insurance Agency provides custom packages and combines different quotes to meet its customers' needs. It provides free consultations on home insurance options. Additionally, the company offers services in Spanish and provides auto, life, and business insurance policies.
Landeche Insurance Agency
Landeche Insurance Agency is an independently owned home insurance company that has been selling to the residents of New Orleans, Louisiana, since 2005. The company works with multiple major insurance carriers, and it offers homeowners and renters insurance to the residents and landlords of the area. These policies cover damage to the home, loss of personal property, temporary relocation costs, and liability. Landeche Insurance Agency also sells health, life, and pet insurance.
Derek Morel
Derek Morel is an insurance agent that has been offering his services to individuals and businesses in New Orleans since 2009. He provides home insurance, life and health insurance, auto insurance, property insurance, and business insurance. He also offers financial investments in mutual funds and annuities. With the goal of helping people manage the risks of everyday life and fulfill their dreams, Morel works with State Farm in providing the best insurance products and investment vehicles.
Expert Answers To Common Questions:
- Introduction
- What determines the price of homeowners\' insurance premium?
- What is the difference between home warranty and homeowners\' insurance?
- Does Geico offer homeowners\' insurance?
- How long does homeowners’ warranty insurance last?
- Does homeowners’ insurance cover water heaters?
- Are RVs covered under homeowners\' insurance?
- Do new buyers need owner\'s title insurance on a new home?
- Do owner builders need home warranty insurance?
- Are dogs deaths covered in homeowners\' insurance?
- Are earthquakes covered in standard homeowners\' insurance policies?
- Are homeowners\' insurance and car insurance deductible?
- Are homeowners\' insurance payouts taxable income?
- How frequent should one change auto or homeowners\' insurance to another provider?
- What should a homeowners\' insurance include/cover?
- How much homeowners\' insurance should someone carry?
- Q: Introduction
- A: Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
- A: The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.
- Q: What is the difference between home warranty and homeowners\' insurance?
- A: Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.
- Q: Does Geico offer homeowners\' insurance?
- A: Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.
- Q: How long does homeowners’ warranty insurance last?
- A: Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.
- Q: Does homeowners’ insurance cover water heaters?
- A: Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.
- Q: Are RVs covered under homeowners\' insurance?
- A: Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.
- Q: Do new buyers need owner\'s title insurance on a new home?
- A: There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.
- Q: Do owner builders need home warranty insurance?
- A: In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.
- Q: Are dogs deaths covered in homeowners\' insurance?
- A: Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.
- Q: Are earthquakes covered in standard homeowners\' insurance policies?
- A: Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.
- Q: Are homeowners\' insurance and car insurance deductible?
- A: Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.
- Q: Are homeowners\' insurance payouts taxable income?
- A: If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.
- Q: How frequent should one change auto or homeowners\' insurance to another provider?
- A: If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.
- Q: What should a homeowners\' insurance include/cover?
- A: A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.
- Q: How much homeowners\' insurance should someone carry?
- A: How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.