MOVING TO SOUTHWEST LOUISIANA

Understanding Home Insurance in Southwest Louisiana

Insurance is an important part of buying a home anywhere, but in Southwest Louisiana it deserves attention early in your home search.

Our job isn't to sell you insurance. It's to help you know which questions to ask, when to ask them and which local professionals can help you get the answers.

START THE CONVERSATION EARLY

Don't Wait Until You're Under Contract.

Insurance availability and cost can affect the overall affordability of a home. That's why we encourage relocating buyers to begin talking with a licensed insurance professional early in the process.

Before you fall in love with the house...

Understand the potential insurance costs associated with it. Your CENTURY 21 Bessette Flavin agent can help connect you with local insurance resources so you can investigate coverage and pricing before making important decisions.

WHAT SHOULD I ASK ABOUT?

Understanding the Different Pieces.

Homeowners Insurance

Standard homeowners coverage protects against certain losses and risks, but coverage, exclusions, deductibles and premiums vary by property and insurer.

Wind & Hurricane Coverage

Ask how wind and hurricane-related losses are covered and whether a separate hurricane, named-storm or wind deductible applies.

Flood Insurance

Flood damage is generally not covered by a standard homeowners policy. A separate flood policy may be required by a lender or chosen by the homeowner.

Deductibles

Don't look only at the annual premium. Ask about deductibles and how they apply, particularly for hurricane or named-storm claims.

EVERY HOME IS DIFFERENT

The House Itself Can Affect the Quote.

Two homes in the same neighborhood may have different insurance costs. That's why getting a property-specific quote is so important.

Factors to Ask About

Age and condition of the roof
Age and construction of the home
Property location
Flood-zone information
Coverage limits
Wind or hurricane deductibles

Before Making a Decision

Request a property-specific insurance quote
Ask what is and is not covered
Understand your deductibles
Ask whether separate flood coverage is appropriate
Confirm lender insurance requirements
Compare more than just the premium

HOW WE HELP

Local Knowledge. The Right Questions. Trusted Resources.

If you're relocating from another part of the country, some of these considerations may be completely new to you. That's okay.

Your CENTURY 21 Bessette Flavin relocation agent will help you know what information to gather and connect you with licensed local professionals who can answer your property-specific insurance questions.

The goal isn't to make insurance complicated. It's to make sure there are fewer surprises.

QUESTIONS TO TAKE WITH YOU

Ask Your Insurance Professional:

What will this home cost to insure?

Get a quote for the actual property you're considering, not just a general estimate.

What are my deductibles?

Ask specifically about hurricane, named-storm, wind and other applicable deductibles.

Do I need flood insurance?

Ask about lender requirements, available flood information and coverage options.

What isn't covered?

Understanding exclusions can be just as important as understanding the coverage itself.

CENTURY 21 BESSETTE FLAVIN RELOCATION

New to Southwest Louisiana?

You don't have to know all the questions before you get here. That's part of having local people on your side.

You've Got People Here.

CENTURY 21 Bessette Flavin and its real estate licensees do not provide insurance, flood-risk, legal or financial advice. Insurance availability, premiums, deductibles, coverage and lender requirements vary by property and individual circumstances. Buyers should consult licensed insurance professionals and other appropriate experts for property-specific information.