Expertise.com
Laurels

Best Homeowners Insurance Agencies
2022

The Best Homeowners Insurance Agencies
Here Are The Top Homeowners Insurance Agencies
Pappalardo Insurance

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.

New Orleans, LA 70124

Website

Website
A. Foto Insurance & Title Transfers

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.

New Orleans, LA 70127

Website

Website
Ronald C. Guidry, Sr. Insurance Agency

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.

New Orleans, LA 70114

Website

Website
Accessible Marine Insurance

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.

New Orleans, LA 70124

Website

Website
Emery & James, Ltd. Gohres Insurance

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.

Metairie, LA 70001

Website

Website
Landeche Insurance Agency

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.

Metairie, LA 70002

Website

Website
Louisiana Insurance Service

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.

New Orleans, LA 70113

Website

Website
Gama Insurance Agency

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.

Kenner, LA 70065

Website

Website
Value Insurance Agency

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.

New Orleans, LA 70122

Website

Website
Derek Morel

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.

New Orleans, LA 70128-3457

Website

Website

Expert Answers To Common Questions:

  1. Introduction
  2. What determines the price of homeowners\' insurance premium?
  3. What is the difference between home warranty and homeowners\' insurance?
  4. Does Geico offer homeowners\' insurance?
  5. How long does homeowners’ warranty insurance last?
  6. Does homeowners’ insurance cover water heaters?
  7. Are RVs covered under homeowners\' insurance?
  8. Do new buyers need owner\'s title insurance on a new home?
  9. Do owner builders need home warranty insurance?
  10. Are dogs deaths covered in homeowners\' insurance?
  11. Are earthquakes covered in standard homeowners\' insurance policies?
  12. Are homeowners\' insurance and car insurance deductible?
  13. Are homeowners\' insurance payouts taxable income?
  14. How frequent should one change auto or homeowners\' insurance to another provider?  
  15. What should a homeowners\' insurance include/cover?
  16. 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.
Q: What determines the price of homeowners\' insurance premium?
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.