Louisiana Home Insurance

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

How to Make Your Own Personal Property Inventory

If your home and personal property is destroyed by a flood, fire, hurricane or other disaster, it may be more difficult than you think to remember all the items you had in your home before the event. And without an itemized list of the items you lost, you cannot get the recovery you deserve from the insurance company.
One way to avoid this is to make a personal property inventory. You can hire someone to do this for you, but it isn’t difficult to do it yourself.

1. Go room by room
2. List every item
3. Add descriptions and serial numbers
4. Attach receipts or third party valuations
5. Add pictures
6. Store your inventory in a safe and send a copy to your insurer and agent

Buying insurance is just the first step in a process used to cement your financial security. Keeping a personal property inventory ensures that you get the benefits you are entitled to after an insurable event. Call us today at (225) 490-5678 to get a free Baton Rouge home insurance quote.

Louisiana

Louisiana is a state located in the southern region of the United States of America. Louisiana is the 31st most extensive and the 25th most populous of the 50 United States. Its capital is Baton Rouge and largest city is New Orleans. Louisiana is the only state in the U.S. with political subdivisions termed parishes, which are local governments equivalent to counties. The largest parish by population is East Baton Rouge Parish, and the largest by land area is Rapides Parish.

Bourg Insurance Agency

 

Established in 1958 by Claude and Edith Bourg, Bourg Insurance has been serving the citizens of Ascension and the surrounding parishes for over 48 years. With three convenient locations, seven licensed insurance agents and ten licensed support staff we are ready to assist you with your insurance needs. We offer a wide variety of insurance products to cover your personal or commercial needs. We take pride in our friendly and courteous services.As an Independent Agency we have access to many companies and products. Through this vast market we are able to offer you the professional protection you need and deserve.Growing our business is important to our company, but maintaining our strong relationships with our customers is paramount.

At Bourg Insurance, we are committed to providing you with personal service, straight-forward information and helpful techniques to choose an insurance program that is both beneficial and cost effective. For 60 years we have been providing friendly, courteous service to Prairieville, Donaldsonville, Central and the entire Ascension Parish area as well as Baton Rouge and surrounding areas in Louisiana.

Get a free Louisiana home insurance quote today! Call us at (225) 490-5678.

(Source: Wikipedia.com)