Louisiana Homeowners Insurance | Homeowners Insurance

Homeowners Insurance Quote Form
Personal Information
First Name:
Last Name:
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New Purchase Y or N:
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Property Information
Amount of Coverage:
Square Footage:
Brick or Frame:
Year Built:
Current Insurance Y or N:
Swimming Pool:
Attached Garage:	Yes No
Additional Information:
This is only a request for a quote. Existing policies can not be altered or changed via this website.

Tips for Insuring Your Home to Value

You should insure your home for the total amount it would cost to rebuild your home if it were destroyed. That’s not the market value, but the cost to rebuild. If you don’t have sufficient insurance, your company may only pay a portion of the cost of replacing or repairing damaged items (Coinsurance Penalty). Also, please purchase Flood Insurance. We all live in a Flood Zone in South Louisiana.
Your Homeowners policy DOES NOT cover Flood.

Here are some tips to help make sure you have enough insurance:

For a quick estimate on the amount to rebuild your home – multiply the local building costs per square foot by the total square footage of your house. To find out the building rates in your area, consult your local builders association or a reputable builder.
Factors that will determine the cost to rebuild your home: a) construction costs b) square footage of the structure c) type of exterior wall construction—frame, masonry or veneer d) the style of the house (ranch, colonial) e) the number of rooms & bathrooms f) the type of roof g) attached garages, fireplaces, exterior trim and other special features like arched windows or unique interior trim.
Check the value of your insurance policy against rising local building cost EACH YEAR. You should keep up with local building costs by checking in periodically with your local builders association or a local contractor.
Check the latest building codes in your community. Building codes require structures to be constructed to minimum standards. If your home is severely damaged, you might have to rebuild it to comply with the new standards requiring a change in design or building materials. These generally cost more.
Do not insure your home for the market value. The cost of rebuilding your home may be higher or lower than the price you paid for it or the price you could sell it for today.
Most lenders require you to buy enough insurance to cover the amount of your mortgage. Make sure it’s also enough to cover the cost of rebuilding.
Contact us to increase the limits of your policy if you make improvements or additions to your house.

Coinsurance Provision: An insurance provision for property coverages in which the policyholder must carry an amount of insurance that is at least equal to a set percentage (80%, 90%) of the value of the property in order to receive full payment of a loss. You claim payment will be reduced if the percentage is not met. Don’t try to under insure your house to save money on the premium. Try a higher deductible to lower premium.

PRIVACY STATEMENT

First Metro Agency, along with our website, Firstmetroagency.com, has created this privacy statement in order to demonstrate our strong committment to privacy. The following discloses our information gathering and dissemination practices for this website. This site contains links to other sites. firstmetroagency.com is not responsible for the privacy practices or the content of such Web sites. Our site uses quote forms for customers to request information and services. We collect visitor's contact information (such as email address) and other information deemed necessary in order to provide quotes for insurance services. The customer's contact information is also used to get in touch with the visitor when necessary.

Homeowners Insurance Quote

Contact us First

Homeowners insurance may be the most important policy you purchase because it is your most valuable asset.

You now have options. Submit for a quote request or call us for new homeowners companies writing in your area.

HO-3 Replacement Cost

Wind/Hail Included

We can write Rental Dwellings

Liability included
Low value to 1,000,000
Credit scored and non credit available

Claim Recovery Checklist

Damage to your home can stressful, upsetting and, even hazardous. The following key steps from The Institute for Business & Home Safety (IBHS) can help homeowners recover safely following damage to their property.

Protect yourself. Always be careful when entering a damaged building. If there is serious structural damage, contact local officials before entering. Report downed power lines or gas leaks. Keep electricity turned off if the building has been flooded.
Protect your property. Take reasonable steps to protect your property from further damage. This could mean boarding up windows and salvaging undamaged items. Contact your Independent Insurance Agent to find out what is covered in terms of protection.
Report the loss as soon as possible. Contact your Independent Insurance Agent as soon as possible. Provide a general description of the damage and have your policy number handy if possible. Write down the adjuster's name, phone number and work schedule as soon as you have them.
Prepare a list. Keep damaged items or portions of them until the claim adjuster has visited, and consider photographing or videotaping the damage to document your claim. Prepare a list of damaged or lost items for your adjuster.
Keep receipts. If you need to relocate, keep records and receipts for all additional expenses. Most policies cover emergency living arrangements.
Return claim forms. After you've reported your claim, watch for claims forms. Fill out and return the forms as soon as possible. If you do not understand the process, be sure to ask questions and write down the explanation.
Cleanup. When starting the cleanup process, be careful, and use protective eyewear and gloves if available.