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Best Homeowners Insurance Agencies in New Orleans

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3rd Millennium Insurance logo
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3rd Millennium Insurance

10001 Lake Forest Blvd., New Orleans, LA 70127
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  • Multiple Policy Types

Business Description

3rd Millenium Insurance & Financial Services, Inc., is a minority-owned commercial insurance broker that has been serving clients in New Orleans and the surrounding region since 1994. Its agents assist individuals and families in providing protection for their coastal homes with insurance coverage options. The insurance program offers basic and extensive protection coverage options for the client's home, property structure, and personal belongings. Clients can also choose additional security features such as a home replacement guarantee and content replacement costs.

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 (2)
Facebook
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
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Accessible Marine Insurance logo
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Accessible Marine Insurance

1145 Robert E Lee Blvd, New Orleans, LA 70124
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

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.

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
Facebook
5.0 / 5 (3)

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
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Alpha Insurance Agency logo
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License Verified:

License: 555414

Louisiana Department of Insurance

Alpha Insurance Agency

831 Lafayette St, Gretna, LA 70053
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  • Flood
  • Homeowners

Business Description

Alpha Insurance Agency has been serving the New Orleans area since 2001. It works with homeowners and real estate agents to provide the right plans for their homes. Its homeowners' insurance policies include coverage for damage, lost personal property, and medical payments. It also offers flood, auto, and commercial insurance products. The agency has partnered with carriers such as Chubb and Progressive. Alpha Insurance Agency was established in 2001. Since 2012, it has been managed by current owners Bryan Duplantier and Kathy Dutsch.

License Verified:

License: 555414

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.
4.6
Google
4.4 / 5 (17)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Bowles & Associates, Inc. logo
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License Verified:

License: 210833

Louisiana Department Of Insurance

Bowles & Associates, Inc.

2804 Belle Chasse Highway, Gretna, LA 70053
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  • Flood
  • Homeowners

Business Description

Bowles & Associates, Inc., has been helping New Orleans homeowners protect their assets with insurance since 1994. There are coverages available for various types of homes, such as single-family houses, modular homes, townhouses, doubles, and mobile homes. Its agents understand that Louisiana residential properties constantly face the threat of damages caused by severe weather conditions, thus they find clients the policies with the best possible coverage options. Bowles & Associates also offers flood insurance protection.

License Verified:

License: 210833

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.
4.0
Facebook
5.0 / 5 (12)
Google
5.0 / 5 (3)

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
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Detail
––
Brooks Insurance Services Nola logo
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License Verified:

License: 916008

Louisiana Department of Insurance

Brooks Insurance Services Nola

3910 General De Gaulle Dr.,, New Orleans, LA 70114​
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  • Renter's Insurance
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Brooks Insurance Services Nola serves clients in and around New Orleans. The insurance company offers various personal and commercial lines, including homeowners' insurance. This type of insurance protects policyholders from financial losses in the event of fire, theft, or vandalism. It may include the structures, personal belongings, and premises liability. Clients can also add coverages that are not included in standard policies. The insurance agency is committed to serving clients regardless of the size and the type of insurance they need.

License Verified:

License: 916008

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 (270)

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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Detail
Cas Fontenot logo
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Cas Fontenot

3201 General Degaulle, Suite 103, New Orleans, LA 70114
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  • Renter's Insurance
  • Condos
  • Multiple Policy Types
  • Homeowners

Business Description

Cas Fontenot serves the financial security needs of individuals and families all over the New Orleans metro and the surrounding areas. He offers homeowners' insurance packages and related products, such as property, auto, business, life, and health policies. He has been a Statefarm agent since 1996. Cas leads a professional team that can accommodate clients in English and Vietnamese at his Algiers office. He also offers assistance with banking, annuities, and mutual funds.

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 (41)
Facebook
5.0 / 5 (6)
Yelp
4.0 / 5 (2)

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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Detail
Classic Insurance Agency logo
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License Verified:

License: 225041

Louisiana Department of Insurance

Classic Insurance Agency

4902 Canal Street Suite 206, New Orleans, LA 70119
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  • Multiple Policy Types
  • Homeowners

Business Description

Classic Insurance Agency helps the residents of New Orleans and the surrounding areas manage risks. It offers homeowners' insurance plans that provide coverage for the partial loss of a home and its contents due to unforeseen events like fire, theft, and disasters. The independent and locally owned and operated company works with various carriers to offer insurance coverage that matches the specific needs and financial capabilities of clients. Classic Insurance Agency has been serving the people of Southeast Louisiana since 1996.

License Verified:

License: 225041

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.
4.6
Google
3.8 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Clements Insurance logo
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License Verified:

License: 330348

Louisiana Department of Insurance

Clements Insurance

206 W Judge Perez Dr., Chalmette, LA 70043
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  • Renter's Insurance
  • Homeowners

Business Description

Clements Insurance caters to clients in New Orleans and the surrounding areas. It helps clients with their expenses if disasters or accidents damage their homes or injure others by offering homeowners' insurance products. This insurance also provides reimbursement for clients' losses and property damages due to theft or vandalism. It also carries automobile, motorcycle, recreational vehicle, watercraft, and life insurance services. Clements Insurance is affiliated with Stonetrust, Access Insurance, Progressive, National General, and American Strategic Insurance.

License Verified:

License: 330348

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.
4.8
Facebook
4.7 / 5 (27)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cook Brian P. Insurance Inc. logo
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Cook Brian P. Insurance Inc.

1801 Lafayette St # Gretna, Gretna, LA 70053
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  • Condos
  • Flood
  • Multiple Carriers
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Brian P. Cook Insurance in Gretna, Louisiana, serves the home insurance needs of residents throughout New Orleans and the surrounding area. Established in 2000, the agency helps its customers navigate their way through the complex home insurance purchase process by guiding them to the right types and levels of coverage based on their individual situations. The agency also sells renters insurance, flood insurance, and windstorm insurance in addition to other personal insurance products.

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
4.6 / 5 (40)

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
Derek Morel logo
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License Verified:

License: 435896

Louisiana Department of Insurance

Derek Morel

5555 Bullard Avenue, Suite 104, New Orleans, LA 70128-3457
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  • Multiple Policy Types
  • Homeowners
  • Personal Property Insurance

Business Description

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.

License Verified:

License: 435896

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.
4.4
Facebook
4.5 / 5 (22)
Google
4.1 / 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
Financial Assurance, LLC logo
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License Verified:

License: 334670

Louisiana Department of Insurance

Financial Assurance, LLC

2450 Severn Avenue, Suite 215, Metairie, LA 70001
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  • Renter's Insurance

Business Description

Financial Assurance, LLC, is an independent agency that caters to individuals, families, and businesses in the New Orleans metro and the surrounding communities. It offers homeowners' insurance policies, which pay for clients' home structure and personal properties should an accident occur. It provides car, motorcycle, umbrella, manufacturers', surety bonds, and workers' compensation insurance plans. The firm works with various carriers, including Chubb, MetLife, Progressive, Safeco Insurance, and Travelers. Financial Assurance has been operating since 1955, assisting clients in the aftermath of hurricanes that have struck Louisiana.

License Verified:

License: 334670

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
Kennedy, Lewis, Renton, & Associates, Inc. logo
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License Verified:

License: 223252

Louisiana Department of Insurance

Kennedy, Lewis, Renton, & Associates, Inc.

401 Whitney Avenue Suite 411, Gretna, LA 70056
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  • Condos
  • Flood
  • Personal Property Insurance

Business Description

Kennedy, Lewis, Renton, & Associates, Inc., is an independent agency that has been serving individuals, families, and businesses in the New Orleans metro and the surrounding areas since 1996. It helps clients protect their properties and personal belongings by offering homeowners' insurance policies. Also included in its line of products are auto, condominium, personal liability, renters', and workers' compensation insurance plans. It represents various carriers, such as Chubb, Hagerty, Progressive, and Safeco Insurance. The firm is a member of the Professional Insurance Agents of Louisiana.

License Verified:

License: 223252

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
Kerry Landry Insurance logo
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Kerry Landry Insurance

1800 Carol Sue Ave Ste 3, Gretna, LA 70056
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  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Kerry Landry Insurance caters to individuals, families, and businesses in the New Orleans metro and the surrounding communities. It offers homeowners insurance policies, helping clients protect their homes and personal possessions. It provides insurance for properties under construction, rental properties, and vacant homes. Also included in its line of products are auto, flood, general liability, motorcycle, umbrella, and workers' compensation insurance plans. Kerry Landry Insurance is a member of the Professional Insurance Agents of 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.
4.8
Facebook
5.0 / 5 (4)
Google
4.0 / 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
LA Twins Insurance logo
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License Verified:

License: 607540

Louisiana Department of Insurance

LA Twins Insurance

1950 Manhattan Blvd. Suite 109, Harvey, LA 70058
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

LA Twins Insurance offers various policies to clients in New Orleans. Homeowners can get financial protection for damage caused by fires, floods, and storms. The policy also provides compensation for stolen personal items, vandalism, and injuries that occur inside the residence. In addition, clients can get insurance for condos and rental properties and plans for cars, motorcycles, and boats. The company has more than 20 years of experience in individual and commercial insurance.

License Verified:

License: 607540

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
Facebook
5.0 / 5 (136)
Google
4.8 / 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
Lastrapes Insurance Agency logo
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License Verified:

License: 63408

Louisiana Department of Insurance

Lastrapes Insurance Agency

110 Veterans Memorial Blvd. Ste #110A, Metairie, LA 70005
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  • Multiple Carriers

Business Description

Since 1995, Lastrapes Insurance Agency has been serving individuals, families, and businesses in New Orleans and neighboring areas. With access to many reputable carriers, its agents offer different types of personal insurance plans. These include homeowners' insurance with optional coverages for houses, fixtures and detached structures, personal properties, and loss of use. Also available are auto, flood, boat, motorcycle, and umbrella insurance. Founder John Lastrapes has been working in the insurance industry for nearly five decades.

License Verified:

License: 63408

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.
4.9
Google
4.8 / 5 (4)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Noah W. Lewis & Associates logo
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Noah W. Lewis & Associates

10001 Lake Forest Blvd. Suite 702, New Orleans, LA 70127
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Noah W. Lewis & Associates is a family-owned agency that caters to individuals, families, and businesses in the New Orleans metro and the surrounding areas. It offers homeowners' insurance policies, which cover damage to clients' property and personal possessions and liability for injuries caused to other people. It provides auto, bonds, flood, renters', general liability, and workers' compensation insurance plans. It represents various companies, such as Progressive, Southern Fidelity, and Travelers. The firm has been in operation for over 15 years.

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
Ronald C. Guidry, Sr. Insurance Agency logo
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License Verified:

License: 273985

Louisiana Department of Insurance

Ronald C. Guidry, Sr. Insurance Agency

3201 General Degaulle Dr., New Orleans, LA 70114
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  • Homeowners

Business Description

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.

License Verified:

License: 273985

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.
4.2
Google
4.2 / 5 (5)

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
Southern Insurance Agency LLC logo
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License Verified:

License: 287733

Louisiana Department of Insurance

Southern Insurance Agency LLC

725 Magazine Street, Suite E, New Orleans, LA 70130
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  • Condos
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Southern Insurance Agency LLC is an independent insurance business that covers residents of New Orleans and nearby communities. Its staff is composed of certified public accountants, professional insurance agents, and notary officials. They offer different homeowners policies based on a client's unique housing features. These policies can include coverage for garages, deductions for safety alarms, and multi-story house repairs. In addition, the agency can provide coverage for commercial properties and real estate options. This includes specialized policies for restaurants, condos, and hotels.

License Verified:

License: 287733

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 (18)
Facebook
5.0 / 5 (5)

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
Stone Insurance, Inc. logo
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Stone Insurance, Inc.

111 Veterans Memorial Blvd Ste 1420, Metairie, LA 70005
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  • Condos
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

With offices in Metairie, Louisiana, Stone Insurance Inc. is one of the largest independent insurance agencies in the state, providing home insurance throughout the New Orleans metro. Founded in 1919, the agency provides coverage for the dwelling and its contents and offers protection from liability for injury and medical coverage should someone suffer an injury on the property. Stone Insurance offers a full array of insurance products, including life, auto, and business 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
Facebook
5.0 / 5 (7)
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
Value Insurance Agency logo
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License Verified:

License: 562191

Louisiana Department of Insurance

Value Insurance Agency

4111A Franklin Ave, New Orleans, LA 70122
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  • Homeowners

Business Description

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.

License Verified:

License: 562191

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.
4.6
Google
4.6 / 5 (12)

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
Back to Providers

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.

Read all FAQs