A home insurance policy provides a homeowner with financial protection for damage to or loss of their property and belongings. It also provides financial protection and legal defense to the owner of the home for actions or property conditions that result in injury to someone or damage to another person’s property. The exact terms of coverage depend upon the form of the homeowners policy you purchase, but most home insurance policies cover events like fire, hail, wind and windstorm. Home insurance also provides financial assistance if a homeowner must be temporarily displaced because their home has been damaged by an event covered by the policy.
Get a free Hurricane Preparation Checklist.
When you are shopping for home insurance, it is important to understand the policy options that are available. But figuring out what coverage you need while also finding a policy at an affordable price that fits those needs can be frustrating. Unless you are an insurance professional you shouldn’t try to figure out the maze of insurance terms and policy conditions by yourself. The homeowners insurance experts at Dan Burghardt Insurance Agency are here to help you find your way through the different forms, coverages and prices to obtain the best coverage for your individual needs at a price you can afford. For a quick quote, you can contact our quote department directly at (504) 441-7283 or complete the Online Quote Request form and you will be contacted immediately. You can even buy your policy over the phone.
Below you’ll find links to all the essentials of home insurance. For first time buyers we’ll start with the basics. Questions like: Which policies are available to choose from? How much coverage do you actually need? How much can you actually afford? And for veteran homeowners we’ll offer insight on how to file claims, reconsider appraisals and lower annual premiums.