Owning a home is a significant investment, and the best way to protect it is by having homeowners’ insurance. If you live in or around Metairie, LA, contact a local agent at Clockwork Insurance Services to find the best policy for your home.
The Importance of Home Insurance
In Louisiana, homeowners’ insurance is not legally required. However, if you have a mortgage or another loan on your home, your lender may require you to carry insurance. Even if it’s not mandatory, homeowners’ insurance is essential for safeguarding your investment and assets. It provides financial protection against losses caused by fire, hurricanes, tornadoes, and other disasters.
Different Policy Coverages
An agent can help you determine the best policy for your home. Common policy options include:
- Dwelling Coverage: Protects your home and attached structures, such as garages or decks.
- Personal Property Coverage: Covers belongings inside your home, including furniture, clothing, electronics, and jewelry.
- Liability Coverage: Provides financial protection if you are found responsible for injuries or property damage caused to others while on your property.
- Additional Living Expenses: Covers temporary accommodation costs if you are unable to live in your home due to a covered event listed in your policy.
You may also need additional coverage, such as flood insurance or earthquake coverage, which a specialized agent can help you determine.
Take Action Today
Don’t wait another day to secure homeowners’ insurance. A Clockwork Insurance Services agent serving the Metairie, LA, area can help you find the best policy and coverage for your needs. Call one of our agents today to get started.
