Louisiana residents are encouraged to look into comprehensive coverage in order to protect what is likely their largest asset, their home. Insurance & Financial Services, Inc. is here to help you navigate what can sometimes be a confusing process, and help you find the coverage that you need. If you currently have home insurance, it is always a smart idea to review your policies on a regular basis as your needs may have changed since the time that you reviewed the coverage. Our agents are more than happy to assist you in this review of your home insurance in the Metairie and Baton Rouge, LA areas.

A Standard Home Owner’s Policy May Not Provide Adequate Coverage for Your Needs

If you are preparing to purchase a home and are unsure what type of coverage best meets your needs, Insurance & Financial Services, Inc. can help. We will walk you through the features offered by various policies and help you to determine which might be the best for your situation. Many people, when shopping for home insurance, do not consider a personal articles rider for their more expensive items. If you own expensive art, jewelry, or electronic equipment, they may not be covered to their full value amount with your home owner’s policy. Many insurance policies impose limits on the maximum claim amount for a single item. A personal articles rider is just one example of the importance of comprehensive coverage for your Louisiana home.

The fully-trained and professional agents at Insurance & Financial Services, Inc. in Baton Rouge, LA can help you consider all angles of your home insurance needs and help you secure the comprehensive coverage that is appropriate for your situation. Please call or visit us today.

Although home insurance has the propensity to provide invaluable coverage to your home, this can only happen if you purchase the proper policy with the correct amount of coverage. In other words, no two policies are created equal and signing up with your overzealous neighbor’s insurance company does not necessarily guarantee you equal coverage. That said, the following is an overview of 3 home insurance myths. 

Your Policy Covers Your Injuries on the Premises

While many seem to believe they will be covered if they become injured on their property, that couldn’t be further from the truth. While the injuries of guests are typically covered by your policy, if you or anyone who lives with you becomes injured on your property, you will have to use your health insurance or pay out of pocket. This problem is something to keep in mind for those who may not have suitable healthcare coverage. 

Everything in Your Home is Covered

While the following assumption can be correct, that all depends on the policy you choose. For instance, if you have things such as rare art or jewelry, your insurance company may place limits on how much you can claim. Be sure to clarify this before settling on a policy.

You Need Insurance to Purchase a Home

This one is a bit confusing. While it is true that you will need home insurance to avoid getting dropped by your mortgage lender, it is false that you must have this insurance by the time you purchase the home. Your mortgage lender will likely suggest a company, but it will be up to you to secure the policy before it becomes an issue.

As it pertains to the matter of home insurance, one notion rings true: buyers beware. For those who live in Baton Rouge, LA or the surrounding areas, let Insurance & Financial Services, Inc. serve you. A premier company in Baton Rouge, LA, Insurance & Financial Services, Inc. will help you create the perfect package for your insurance needs. Contact us today to find out how you can get excellent coverage and save!