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Homeowners Insurance in New Orleans

Alliance Insurance Services - Homeowners Insurance

Louisiana homeowners insurance costs can still be affordable even in the wake of the devastating hurricanes in 2005. Here are some things to keep in mind to help save some money.

Unfortunately, Katrina and Rita showed us how important home insurance is. It not only protects your property, but also your possessions and even legal liability. One peril that typical homeowners insurance does not insure against is flood. You need to purchase a separate flood policy through the National Flood Insurance Program through the Federal Emergency Management Agency (FEMA).

It's important that you shop around for comparison quotes on home insurance. Rates vary quite a bit from one company to the next and shopping can save you hundreds. You'll see this if you go to the Web site for the Louisiana Department of Insurance. They have a Homeowners Rate Comparison guide which shows rates based on a certain type of home in various cities such as Houma, New Orleans, Lake Charles, Baton Rouge, Monroe, Slidell, Shreveport and more.

This is just a general comparison to give you an idea of how the companies differ. To get an accurate comparison, you'll need to get at least three different quotes based on your property. You can use the list of companies on the insurance department's site to look up home insurance companies and request quotes -- either by phone or the Internet. You should provide the same information to each regarding your coverages and deductibles to get an apples-to-apples comparison.

Many people find it more convenient to visit an insurance comparison Web site. These sites don't represent a single company and will look for the lowest quotes from companies doing business where you live. You only need to fill out an online form once to get several quotes back.

There are other ways you can lower your homeowners insurance costs as well. Raising your deductible, upgrading your electrical and plumbing, repairing or replacing your roof can all reduce how much you pay.

For more information call Alliance Insurance Service, Inc. at 504-410-5517 or visit us on the web at http://www.alliance-ins.com

About The Author Manuel DePascual is the Owner and CEO of Alliance Insurance Services, Inc. With over 30 years experience in the insurance business, Mr. DePascual and his staff have the experience and knowledge necessary to help you select the insurance coverage that is right for you. We are located in Metairie, LA and provide insurance coverage for the entire Greater New Orleans area. For more information visit http://www.alliance-ins.com or call 504-410-5517