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Homeowners Insurance

 

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Louisiana Homeowners Insurance

In Louisiana there are 6 basic insurance coverage plans that are offered by insurance companies. Even thought these plans might be given different names by an insurance company, they are generally the same.

The Basic Form covers both your home and personal property. Personal property can be carpeting, personal belongings or your furniture. The policy covers damages due to:

  • Fire
  • Lightning
  • Removal of property endangered by peril
  • Windstorm or hail
  • Vandalism or malicious mischief
  • Theft
  • damage from vehicles and aircraf
  • Explosion
  • Riot or civil commotion
  • Glass
  • Breakage
  • Comprehensive liability

The Broad Form covers the same as The Basic Form plus extends additional coverage for damages caused by threats such as:

  • Building collapse
  • Freezing of, or accidental discharge of water or steam from within plumbing
  • Heating/air conditioning systems,
  • Domestic appliances
  • Falling objects
  • Weight of ice, snow or sleet
  • Rupture or bursting of hot Water heating systems
  • It also provides comprehensive personal liability coverage.

The Special Form covers all risks except for situations that are excluded on the policy. Examples of exclusions are earthquake and flood. The Special Form also includes the same protection as The Broad Form.

The Tenants Broad Form covers the personal property of a tenant, but there is no coverage for the dwelling.

The Comprehensive Form covers a dwelling and personal property against all risks for situations that are excluded from the policy. This type of policy is generally more expensive because of the amount of coverage available.

The Special Condominium Form covers the interior of the dwelling and personal property. This plan is designed for owners of a condominium. This policy is not offered by all insurance carriers, and does not cover building structure.

Be sure to know what your insurance policy does not cover, in the event you need additional coverage. For more information contact Louisiana Insurance Commissioner's Office.

For more general information, visit our Homeowners Insurance Information page.


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