Homeowner’s Insurance Services for the Greater Baton Rouge Area

With 65 years of combined industry experience, Losey Insurance & Financial Services offers professional homeowner’s insurance services, using a personalized approach. Our team members hold a wide range of licenses and professional designations, as well as years of industry experience.

What Is Homeowner's Insurance?

Homeowner's insurance helps to protect you, your family, your home, and your finances in the event of a disaster or accident. This includes damage caused by storms, as well as fires and theft. Not only is the home itself covered, but some policies cover the contents inside your home such as furniture and valuable jewelry.

Why Do I Need Homeowner's Insurance?

If you currently own a home or are in the process of purchasing one, you need homeowner’s insurance. This includes vacation homes. In fact, most mortgage lenders require prospective buyers to secure valid insurance coverage. Other than requirements by your lender, there are several other reasons why you need this type of coverage.

For instance, imagine if a natural disaster occurs and your home suffers significant damage. Without proper coverage, you would have to pay for the repairs out-of-pocket or with a loan. If you don’t have the cash or aren’t able to secure a loan, depending on the extent of the damages, you would either have to live with the damages or find other living arrangements altogether. Insurance is also necessary to help you cover the medical and legal costs associated with lawsuits. Even if it’s no real fault of your own, a person can suffer an injury in your home and then decide to file suit.

What Does Home Insurance Cover?

Home insurance covers your home and its contents, along with other structures such as detached garages, sheds, barns, gazebos, guest houses, pool houses, and more. Along with repairs to the exterior part of the structures, coverage can also include repairs to kitchen countertops and flooring. If you need extensive repairs that prevent you from living in your home during a project, some policies will even cover temporary hotel expenses.

What Questions Should I Ask my Agent?

Whether you are in the process of choosing an insurance policy or you already have one in place, it’s important to have an honest discussion with your agent to address your concerns and pressing questions. Team members at Losey Insurance & Financial Services are available to provide you with the clarity and answers you need to make the right decisions for you, your home, and your loved ones. The following is a list of questions you may want to consider:

  • Are there any discounts available?
  • How do I begin the process of filing a claim?
  • What is the estimated cost to rebuild my home and replace damaged items?
  • What is the insurance company’s reputation when it comes to customer service and customer satisfaction?

Give us a call today at (225) 767-6745 to discuss your needs or request a quote online.