What Is Property Insurance?

Property insurance helps protect buildings, structures, and belongings against covered losses such as fire, wind, theft, vandalism, and liability claims. Depending on the policy type, it may also help cover loss of use, lost rental income, legal expenses, and rebuilding costs after a covered event.

 

Policies differ based on:

• What you own (home, rental, business, vacant property, mobile home, etc.)

• How it’s used (primary residence, secondary home, income-producing property)

• Where it’s located (flood zones, coastal exposure, rural land)

• What risks you need covered (wind, flood, liability, specialty exposures)

That’s where we come in — translating insurance language into real-life protection.

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Personal Property Coverage Options

We help clients secure coverage for a wide range of personal property types, including:

Home & Residential Coverage

• Homeowners Insurance – Primary residences

• Renters Insurance – Personal property + liability for tenants

• Condo Insurance – Interior coverage + liability

• Manufactured & Mobile Home Insurance

• Secondary / Seasonal Homes

• Vacant or Unoccupied Homes

• Builder’s Risk – Homes under construction or renovation

 

Specialty & Lifestyle Property

• Rental Property / Landlord Insurance

• RV & Travel Trailer Insurance

• Watercraft & Boat Insurance

• Excess Liability & Umbrella Policies

 

Commercial & Investment Property Coverage

Property insurance isn’t just for homeowners. We also protect income-producing and business-owned properties, including:

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• Commercial Property Insurance

• Vacant Commercial Buildings

• Rental & Investment Properties

• Commercial Builder’s Risk

• Commercial Flood Insurance

• Commercial Earthquake Coverage

• Commercial Wind & Hurricane Coverage

 

Whether you own one rental or a portfolio of properties, we design coverage that protects both the structure and your cash flow.

 

Flood, Earthquake & Catastrophic Coverage

(Standard policies don’t cover everything — especially here.)

 

In Louisiana, certain risks require separate policies or endorsements, including:

• Flood Insurance (Residential & Commercial)

• Earthquake Coverage

• Hurricane & Windstorm Coverage

• Named Storm Deductible Planning

 

We’ll walk you through what’s required, what’s optional, and what’s simply smart.

 

Common Coverage Features Explained (Without the Insurance Jargon)

 

Property / Dwelling Coverage

Pays to repair or rebuild structures after a covered loss like fire, wind, or vandalism.

 

Personal Property Coverage

Helps replace furniture, electronics, clothing, and other belongings after a covered loss.

 

Liability Coverage

Protects you financially if someone is injured on your property or claims damage caused by you.

 

Medical Payments Coverage

Covers minor medical expenses for guests injured on your property — regardless of fault.

 

Loss of Use / Additional Living Expenses

Helps pay for temporary housing if your home becomes unlivable due to a covered loss.

 

Loss of Rents / Business Income

Critical for landlords and business owners — helps replace lost income after a covered claim.

 

Scheduled Property Coverage

Extra protection for high-value items like jewelry, firearms, collectibles, or equipment.

 

How Much Does Property Insurance Cost?

There’s no flat price — and that’s actually a good thing.

Your premium is influenced by:

• Property type and location

• Coverage limits and deductibles

• Construction materials and age

• Claims history

• Optional coverages and endorsements

 

We shop multiple carriers to help you find the best balance of coverage, price, and long-term protection — not just the cheapest option today.