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Best Homeowners Insurance Agencies in Lake Charles

2023

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Website
3111 Ryan Street, Lake Charles, LA 70601
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Insurance Unlimited is an independently owned agency that provides homeowners in Lake Charles and the surrounding area with insurance options. The company's licensed agents represent multiple carriers to deliver personalized coverage at competitive rates. They help ensure their clients are adequately protected against losses from fire, hail, and storm damage as well as theft and vandalism. Insurance Unlimited also provides liability insurance as a safeguard against claims for guest injuries or pet damage.

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
4.7 / 5 (38)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
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Website
5640 HIGHWAY 14, Lake Charles, LA 70607
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake

Why choose this provider?

Insurance World, Inc. provides auto and home insurance options to clients in Lake Charles and the surrounding communities. The agents assess each client's needs and discuss the different homeowners insurance policy options available. A standard homeowners insurance package compensates clients for financial losses and damages to homes and their contents due to disasters. The policies also provide liability protection in case of accidents that occur on the client's property. The company was established in 1989.

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.
4.6
Google
4.4 / 5 (14)
Facebook
5.0 / 5 (6)

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
509 7th Street, Lake Charles, LA 70601
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Curtis Insurance is a full-service insurance agency that has been serving Lake Charles and surrounding communities since 1973. The company helps individuals and families to obtain a homeowners insurance policy that can adequately protect their homes and belongings against future hazards. Its agents provide several coverage options, including the dwelling, other detached or attached structures, personal property, and homeowner's liability. They also evaluate the coverage needs of their clients and match them with the most suitable insurance carrier. Other services include auto, recreational, life, and Medicare insurance. The company also serves clients throughout Louisiana.

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.
4.9
Google
4.9 / 5 (21)
Facebook
5.0 / 5 (8)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3100 Lake Street, Lake Charles, LA 70601
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

Lyons Insurance, Inc., is an independent insurance agency founded in 1960 with an office in Lake Charles. It provides homeowners' insurance coverages that pay for the replacement of homes and personal properties that have been damaged or lost due to fire or other insured events. The policies can also serve as protection from personal liability in the occasion that a non-resident gets injured at their home. The company's agents present quotes from different insurance carriers to help clients obtain the best coverage at an affordable price.

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

Website
2356 East McNeese Street, Lake Charles, LA 70607
  • Condos
  • Multiple Policy Types
  • Earthquake

Why choose this provider?

The Firm of Louisiana Property & Causality, LLC is an insurance provider in Lake Charles. It offers standard homeowners' insurance coverage, which includes damage protection caused by hail, lightning, and fire. Random acts such as theft or damages due to explosions are also covered, including home contents. Homeowners are given additional living expenses if their home is undergoing repairs and is uninhabitable. The Firm of Louisiana Property & Causality, LLC is partnered with companies known for excellent customer service and financial integrity.

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
Google
4.3 / 5 (12)
Facebook
5.0 / 5 (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.
2.8
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
3205 Ryan Street, Lake Charles, LA 70601
  • Multiple Policy Types

Why choose this provider?

Kelly Lee Insurance is an independent agency that is located in Lake Charles. With access to more than 50 reliable insurance carriers, its team of insurance agents is knowledgeable in matching homeowners' policies that fit their financial needs. The common types of homeowners' insurance coverage are dwelling and separate structures, contents, personal liability, loss of use, and medical expenses. Kelly Lee Insurance also provides clients with an option to bundle home and auto policies.

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.
4.6
Google
4.5 / 5 (38)
Facebook
4.7 / 5 (23)
Yelp
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
201 West College Street, Lake Charles, LA 70605
  • Multiple Policy Types

Why choose this provider?

Protective Risk Agency offers property damage and liability coverage for homeowners in Lake Charles. Its policy options include common hazards such as fire or lightning, wind, hail, and sudden instances of theft, vandalism, and falling objects. They may also secure compensation for faulty home systems, from frozen plumbing to issues with heating or cooling equipment. Protective Risk Agency's offered policies also include different payment methods such as the affected property's actual cash value, replacement coverage, and extended replacement cost.

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.
4.1
Facebook
3.9 / 5 (11)
Google
5.0 / 5 (6)
Yelp
1.0 / 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
3311 Ernest Street, Lake Charles, LA 70601
  • Homeowners

Why choose this provider?

Ratliff-Doucet Insurance Agency is a homeowners' insurance agency that serves the residents of Lake Charles and nearby areas. It provides various coverages for homeowners in the event of damage or loss to their residential properties, with the goal of providing clients with peace of mind about the future. Insurance policies for vehicles, businesses, and floods are also available. The company has partnered with a wide range of carriers, including Progressive, Scottsdale Insurance Company, and the Lighthouse Property Insurance Corporation.

License Verified:

License: 534357

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 (11)

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
4865 Ihles Road, Lake Charles, LA 70605
  • Renter's Insurance
  • Homeowners

Why choose this provider?

UPI Insurance is an independent agency that offers comprehensive insurance coverage to clients in Lake Charles. It has been in the industry for half a decade, providing coverage for homeowners, renters, auto, life, and commercial insurance. Its homeowners' insurance policy helps clients protect their homes, including extensions, personal belongings, and legal liability. The company also offers options for special events and specialty vehicle insurance. UPI Insurance works with various carriers, such as Progressive, MetLife, CNA, and Liberty Mutual.

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
324 Alamo Street, Lake Charles, LA 70601
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

McFatter Insurance Agency Inc. provides personal and commercial insurance solutions to clients in Lake Charles and the surrounding communities. The agents help clients safeguard their private residences from disasters such as vandalism, theft, and fires. The homeowners insurance policies also cover liability protection in case guests get injured while on the client's property. The insurance policies are available for coastal homes on pilings, mobile homes, homeowners plans, condo insurance, and renters 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.
4.4
Google
4.4 / 5 (14)

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
1611 Gerstner Memorial Drive, Lake Charles, LA 70615
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

People First Insurance Family is an agency that provides personal insurance solutions to clients in the Lake Charles metro. It guides families and homeowners in getting the best insurance product that covers all types of risks related to owning a home, which include property damage, personal injury, flood , fire, and theft. In addition to homeowners' insurance, the company also offers individual life, auto, travel, long-term care, and long-term disability insurance products. It also provides policies for businesses.

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 (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
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.

  • How many days are insurance adjusters required to respond when a homeowner in Lake Charles initiates a claim?

    Under Louisiana law R.S. 22 §1892, insurance adjusters must respond within 14 days after a homeowner in Lake Charles initiates a regular claim. However, in cases of catastrophic damage, they must respond within 30 days. Within this period, homeowners in Lake Charles can expect an insurance representative to call them, ask them to give evidence, and provide other instructions.

  • Why can a homeowner's insurance policy in Lake Charles not be renewed because of the family dog?

    It is possible that the non-renewal is due to the breed of the family dog, as many insurance companies have breed restrictions. Pit bulls, Akitas, German Shepherds, Great Danes, and Siberian Huskies are among these breeds. Lake Charles policyholders should check their homeowner's insurance to see if there are any policy provisions regarding restricted dog breeds. Another potential reason for non-renewal is the family dog's history of aggression or bite attacks.

  • Can you get discounts on home insurance in Lake Charles if you put storm mitigation measures in place?

    The Louisiana Legislature requires insurers to provide discounts to Lake Charles homeowners who install storm mitigation measures on their properties. Some of these measures include installing roof braces, designing buildings to be storm-resistant, and increasing wall-to-foundation strength. There will also be monetary incentives on home insurance for those who build their homes in accordance with the Louisiana State Uniform Construction Code. More information is available by calling the Louisiana Department of Insurance at 800-259-5300.

  • Should you buy flood insurance in Lake Charles?

    If you live in a Special Flood Hazard Area in Lake Charles, you must purchase flood insurance. Even if you live in a low-risk flood zone, having flood insurance will protect you, your family, and your financial future. Visit the Planning and Development Department on the 7th floor of City Hall, 326 Pujo St., Lake Charles, LA 70601. Call 337-491-1292 to reach the department.

  • Can you buy another homeowner's insurance if you live in your parent's home in Lake Charles while they live in another area?

    No, if your parents are listed as the homeowners on the policy, you cannot buy a new policy and get the same coverage. As a Lake Charles household member, your parents' insurance will cover some of your belongings, but it might not be enough. You can buy tenant insurance to make sure you have the right coverage. No matter if you pay rent or not, if your personal property gets damaged or someone gets hurt while visiting you at home, you will still be covered.

  • 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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