Home Insurance in Louisiana

Home insurance coverage is one of the many options we offer at Soto Insurance Agency in Covington, LA. It's essential coverage if you're a homeowner because it protects your investment in the event that something goes wrong. There are some things that are covered under your policy and other issues that may arise that are your responsibility. Learn more about what we can help you with if you're searching for a new homeowner's insurance policy.

Coverage Included in Homeowner's Policies

In general, homeowners insurance covers private property. The purpose is to protect you from different losses and risks. Here are some of the items that you get protection on when paying for homeowner's insurance:

Dwelling coverage - walls, floors, roof, and other structures.
Liability coverage - protects you if someone is hurt on your property.
Personal property - damage to things like clothing, furniture, and electronics that happens because of a fire, theft, or another natural disaster.
Living expenses - if you need to stay somewhere else because of a problem with your property.
Medical - if something happens at your home that results in injury.
Natural disasters - hurricanes, earthquakes, floods

Take note that the amount of coverage and what's listed may vary depending on the plan you choose. Speak with one of our agents to help determine what you need and how much coverage is necessary to keep you protected.

What's Not Covered

Under a standard policy, these are some of the items that aren't usually covered:

Flood damage - this usually requires a separate policy.
Earthquake damage - similar to flood damage, often requires a separate policy.
Maintenance - you're responsible for the general upkeep of your property, so maintenance isn't covered.
Personal property - some more expensive items may not be included, so ask about anything like collectibles, jewelry, and fine art.

Again, these can vary, so it's important to review each item with one of our professionals.

We Offer Free Home Insurance Quotes

At Soto Insurance Agency, we have an agent standing by, ready to assist you. All you have to do is call or stop in to get a no-obligation quote. We will customize your coverage to fit your needs in Covington, LA. Reach out to us today!