Baton Rouge Homeowners Insurance

Lanoix Insurance protects renters and homeowners throughout Baton Rouge and the River Parishes, Louisiana. By tailoring renters and homeowners insurance to the needs of individuals, we help our clients prepare for just about anything Mother Nature decides to unleash, including extreme thunderstorms, wind, rain and hail. Unfortunately, anyone can experience a personal disaster at home, such as a burglary, fire, or other damage personal property.

You need a home insurance quote that fits your budget, but a policy that will cover you in the event of harm to your property, possessions or a visitor. We are here to help you find the coverage you need at a reasonable price. In addition to a basic home insurance policy, you may want to include flood insurance, which must be purchased thirty days in advance of flooding, and hurricane insurance to protect you against losses from wind, hail and severe storms.

Weather events can lead to thousands of dollars in damage or losses. At Lanoix Insurance Agency we will help you determine how much coverage you need to protect your investment in your house, replace valuable personal property and protect your assets in the event of a lawsuit. When we provide a home insurance quote or renter’s insurance quote, it is our goal to offer the right protection at a price you can afford.

From offices in Port Allen and Lutcher, we serve clients in communities including Plaquemine, Addis, Port Allen, Zachary and St. Francisville. Please contact us with any questions or to request a home insurance quote.

Personal Property Insurance

If you are a renter, you may not think you need insurance, but your landlord’s insurance typically doesn’t cover your possessions. In the case of flood or fire, you may find yourself with no possessions and no place to stay.

If you are a homeowner, you may be comfortable with the personal property coverage included in your home insurance policy. But are you sure all valuable items are fully covered? The personal belongings you have accumulated with care are meaningful and necessary for your day-to-day life. We know that you want to protect them. If you feel confused about what property insurance you need, we can sit down with you, arrange for any necessary appraisals, help you conduct an inventory, and discuss the coverage.

Here are just a few of the things we will help you with when it comes to your homeowners and personal insurance policies:

  • Determine how much coverage you need. We look at variables like where you live, the value of your home, the age of the house, and what you can afford to pay each month. We will tailor a policy to meet your needs.
  • Identify policies with “guaranteed replacement cost” in them, meaning the policy will cover the replacement cost of your items even if the price of replacing items has gone up or the items have depreciated.
  • Find companies that have a good track record of working with homeowners when they do need to file a claim. We are not only going to sell you a policy, but a Lanoix Insurance agent will be there any time in the future when you need to file a claim or have questions about your insurance policy.
  • Provide a home insurance quote with any discounts, including those for smoke detectors or a home alarm system. We can also look for multi-policy discounts and package your homeowners insurance with other policies, such as auto insurance and an umbrella policy.

Extra Liability Insurance: An Umbrella Policy

There are some cases where your own personal insurance or homeowners insurance may not be enough to cover your personal liability. For example, if someone had an accident at your home and was awarded millions of dollars in damages in a lawsuit, a standard homeowners insurance policy is not sufficient to pay the claim. Your personal assets could be seized to cover the remainder. Unfortunately most people are under-insured for personal liability.

To ensure your assets are protected against claims resulting from your actions or a mishap on your property, we can help you find an umbrella policy, which provides extra liability coverage for unforeseen risks. We recommend most people carry a $1,000,000 or $2,000,000 umbrella as an extension of a homeowners or auto insurance policy. Just ask your agent for a home insurance quote that includes the cost of umbrella liability. Typically this liability coverage is very reasonably priced, and covers lawsuits, legal expenses, medical bills and similar costs if you are ever held liable for injury or damages to others.

Our insurance agents can discuss this coverage and determine if it is right for you, and customize your policy so you get the protection that you really need at an affordable price.

Visit with an Agent Today

To learn more about your options for personal insurance, home and auto insurance packages, life insurance, and umbrella policies, stop by our Port Allen or Lutcher office or call us and ask to speak to a Lanoix Insurance agent today.

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