![]() ![]() There are a variety of endorsements and additional coverages that can be added to suit your coverage needs. There are two major Flood Zones- A and X. New Orleans elevation levels transcend neighborhoods and can even be different for two of the exact same style properties located on the same block. Coverage F – Medical Payments: This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.Įach of these coverages are subject to a policy limit, which is specified on your Declarations Page. New Orleans Flood Insurance Costs and Requirements fluctuate depending on where your property is located and how far above (or below) the Flood Zone you lie.It also covers legal assistance for claims made against you. Learn how private flood insurance allows consumers to shop their flood insurance to find the best rate. Coverage E – Liability: This covers damage or injury to another person or their property that you’re liable for.Coverage D – Loss of Use: This covers your temporary living expenses when a covered loss makes your home unfit to live in.Coverage C – Personal Property: This covers your belongings, such as your furniture, clothing and electronics.It may also include structures connected to a dwelling by only a fence, utility line or similar construction. Start shopping for a home insurance policy by reviewing the cheapest Louisiana home insurance companies, listed below. ![]() This compares favorably to Louisianas average price of 1,584, offering an 804 discount on average policy costs statewide. Coverage B – Other Structures: This covers damage to other structures on the property that are set apart from the dwelling, such as a shed or a detached garage. United sells the cheapest homeowners policies in Louisiana, at just 780 per year.Coverage A – Dwelling: This covers damage to your home and structures attached to it.For a fast, no obligation quote, contact one of our flood insurance specialists at (504) 441-7283 or complete the Online Quote Request form and you will be contacted immediately. What are the coverages on a homeowners insurance policy? Learn how private flood insurance allows consumers to shop their flood insurance to find the best rate. ![]()
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