Homeowners insurance is intended to reimburse you for losses caused by disasters, accidents, or theft. It typically comes as “package” insurance – this means it covers both the loss of property and the occurrence of damage. (Good homeowners insurance will cover the medical bills of a guest who injures herself in your home, for example.)
You should be aware of the limits of homeowners insurance. It won’t provide coverage for damage caused by poor maintenance – you’re still responsible for the upkeep of your home. More importantly in New Orleans, homeowners insurance doesn’t cover water and wind damage. In the event of a hurricane, this can be a big problem! Make sure you consult with us about adding flood and windstorm coverage to your homeowners policy.
Things to consider when you consult Brian P. Cook about homeowners insurance:
- How much coverage do you need? The cost of rebuilding your home and replacing all of your possessions can mount up quickly! We’ll help you itemize your belongings and review the features of your home to arrive at an accurate estimate of the cost of a total replacement
- Can you rely on your insurance company? Thanks to our extensive experience with the insurance industry, we can give you great insight into the strengths and weaknesses of different providers. Although getting a good deal is very important, you don’t want to save money by working with an insurer with a poor record for paying claims.
- How does the claim-filing process work? Before you finalize your insurance, make sure you ask us about the process of filing a claim. You need to know who to contact to start a claim and have a good idea about what happens next.