Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lafayette

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lafayette Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

70Reviewed

44Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3909 Ambassador Caffery Parkway, Lafayette, LA 70503
  • Multiple Policy Types
  • Renter's Insurance
  • Flood

Why choose this provider?

Liggio Insurance Agency, Inc., serves Lafayette through its team of insurance professionals. Established in 1984, this company partners with local and national insurance carriers, such as Kemper, National General Insurance, and Zurich, to offer different insurance products and flexible coverage options. Its insurance agents help homeowners protect their properties and finances from possible losses and damages, whether due to random acts or natural disasters. They also assist in determining appropriate types of coverage, including policies for jewelry items within homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (14)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
419 Rena Drive, Lafayette, LA 70503
  • Multiple Policy Types

Why choose this provider?

Roane Insurance Agency Inc. caters to homeowners in the Lafayette area. It offers homeowners' insurance policies that can protect a client's home as well as its contents. The company's staff of insurance agents is trained to guide clients in choosing the right plan that fits their needs, whether it is overall property protection, injuries on the property, theft, or protection from disasters such as earthquakes, storms, or fires. It also provides policies that cover dog bites.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (42)
Facebook
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2000 Kaliste Saloom Road, Lafayette, LA 70508
  • Individual Plans
  • Life Insurance

Why choose this provider?

Latter & Blum Insurance Services caters to the residents of Lafayette and the surrounding areas. It has home insurance solutions that include coverages for home business occupancies, special collections, art and jewelry, and any damages caused by flooding, fire, or natural disasters. Additionally, the company offers protection for cars, motorcycles, travels, and identity theft. Latter & Blum Insurance Services also provides umbrella insurance products to clients looking to get additional coverage not covered by traditional insurance policies.

License Verified:

License: 188671

Louisiana Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Lafayette, LA
  • Fire
  • Flood

Why choose this provider?

Banner Insurance Agency has delivered homeowner insurance solutions near Lafayette for more than 42 years. The independent company's licensed agents work with multiple carriers to provide their clients with customized policies to best fit their needs. They calculate adequate coverage for the dwelling and secondary buildings as well as personal contents, such as jewelry, firearms, collectibles, and electronics. Banner Insurance Agency also provides liability policies to protect the homeowner in the event a guest is injured on the property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2200 West Congress Street, Lafayette, LA 70506
  • Multiple Policy Types

Why choose this provider?

Terry Wofford - State Farm Insurance Agent is a local insurance broker serving communities in Lafayette and the surrounding areas. Terry offers assistance to clients wanting to protect their homes and other assets by finding tailor-fit homeowner's insurance. She has been helping clients since 1993 and has a team with over 125 years of combined experience in the insurance industry. Her team also won awards such as State Farm Ambassadors Qualifier and State Farm Presidents Club Qualifier.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (51)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2205 W Pinhook Rd Ste 101, Lafayette, LA 70508
  • Flood
  • Multiple Policy Types

Why choose this provider?

Stiel Insurance Group has been helping mitigate risks for LaFayette homes and the surrounding metros since 1956. Its homeowners' insurance manages financial losses for homes damaged by natural calamities and fire. It also protects a homeowner from personal liabilities if a visitor is injured in their home by taking over the medical costs. ​Damages and repairs caused by burglary or vandalism are also covered. Combined policies, fire prevention plans, and security systems are also available separately.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
5.0 / 5 (8)
Google
3.9 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    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.
  • How can you make your home insurance policy in Lafayette less expensive?

    You can make your home insurance policy in Lafayette less expensive by buying the entire property, renovating your house to reduce the risk of wind damage, managing your insurance policy online, and having a clean claims history. You can also increase your deductible to lower the monthly or annual premium of your home insurance in Lafayette.

  • What damages are excluded from the dwelling coverage of a homeowners insurance policy in Lafayette?

    The dwelling coverage of a homeowners insurance policy in Lafayette does not cover damages caused by floods, earthquakes, infestations, war or nuclear hazards, corrosion, rust, general wear and tear, lack of regular and proper maintenance, and intentional loss. In some circumstances, such as those involving floods and earthquakes, the risk can be addressed by merely purchasing additional flood or earthquake coverage.

  • How many homeowners insurance quotes should you acquire in Lafayette?

    While looking for homeowners insurance in Lafayette, it is advised to obtain as many quotes as you can. Obtaining several estimates enables you to evaluate the costs and the coverage provided through different home insurance providers. You can either call insurance providers or conduct online research to get the quotes you need.

  • Is it possible to get homeowners insurance in Lafayette that covers damages from volcanic eruptions?

    Yes. In Lafayette, homeowners insurance frequently covers damages from volcanic eruptions. Additionally, damage caused by fire, explosion, airborne shockwaves, volcanic blast dust, ash, and lava flow, are covered by homeowners insurance, as per the Insurance Information Institute. The dwelling, personal property, and other structures coverage of your home insurance will be used to cover the cost of your property's repair.

  • Why are you required to pay a year's worth of homeowners insurance when closing on a home in Lafayette?

    When closing on a house in Lafayette, you are required to pay for a full year's worth of homeowners insurance because doing so will enable your monthly escrow payments to create sufficient equity to cover future payments. This lowers the risk for the lender. Any discrepancies between the expected and actual amounts will be detailed in your yearly escrow disclosure statement. You can be compensated for the excess or forced to make extra payments to make up for shortage.

  • What determines the price of homeowners insurance premium?

    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.

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