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Best Homeowners Insurance Agencies in Lafayette

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bannerins.com logo
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bannerins.com

Lafayette, LA
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  • Fire
  • Flood

Business Description

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
Google
4.4 / 5 (32)

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
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Latter & Blum Insurance Services logo
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License Verified:

License: 188671

Louisiana Department of Insurance

Latter & Blum Insurance Services

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

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Liggio Insurance Agency, Inc. logo
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Liggio Insurance Agency, Inc.

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

Business Description

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
Roane Insurance Agency Inc. logo
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Roane Insurance Agency Inc.

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

Business Description

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
stielinsurance.com logo
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stielinsurance.com

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

Business Description

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.
4.7
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
terrywofford.com logo
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terrywofford.com

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

Business Description

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
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Frequently Asked Questions

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.

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.

What is the difference between home warranty and homeowners insurance?

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.

Does Geico offer homeowners insurance?

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.

How long does homeowners warranty insurance last?

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.

Does homeowners insurance cover water heaters?

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.

Are RVs covered under homeowners insurance?

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.

Do new buyers need owner\'s title insurance on a new home?

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.

Do owner builders need home warranty insurance?

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.

Are dogs deaths covered in homeowners insurance?

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.

Are earthquakes covered in standard homeowners insurance policies?

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.

Are homeowners insurance and car insurance deductible?

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.

Are homeowners insurance payouts taxable income?

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.

How frequent should one change auto or homeowners insurance to another provider?  

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.

What should a homeowners insurance include/cover?

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.

How much homeowners insurance should someone carry?

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.

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