Louisiana Home Insurance – What’s Covered?

If you own a home in the Bayou State, Louisiana home insurance is a must. But just because you have Louisiana home insurance doesn’t mean you’re covered for everything. Learn exactly what Louisiana home insurance covers—and what it doesn’t—in this article.

Here’s What Louisiana Home Insurance Includes

Louisiana home insurance will protect your home and personal items from loss caused by the following perils, up to your coverage limit:

• Fires
• Lightning
• Wind, rain, hail and snow damage
• Tornadoes
• Hurricanes

This coverage extends to sheds, patios and other structures on your property. Identity theft insurance is sometimes included, and liability insurance is standard.

What's Excluded?

Louisiana covers many potential hazards, but it doesn’t cover anything. Here are a few common exclusions found in most Louisiana home insurance policies:

• Damage caused by floods, earthquakes and landslides
• Loss stemming from a dog of a certain breed (Pit bulls, Chows, Rottweilers, etc.)
• Expensive luxury items (usually covered up to $1,500)
• Sewage backup, mold or neglect

A complete list of home insurance exclusions can be found in InsWeb’s 10 Perils Home Insurance Won’t Cover.

Winter Storms

As homeowners learned in the aftermath of Hurricane Katrina, flood damage is not covered by Louisiana home insurance. To be protected against flooding, homeowners will need to purchase a separate flood insurance policy. Flood insurance policies generally have a 30-day waiting period before they take effect, so purchase coverage sooner rather than later.

Compare home insurance quotes and find Louisiana home insurance you can afford.