The things we explain on the phone every week.
Written down, in plain English, so you can read them without calling us — and so we can send you a link instead of a lecture. No sign-up, no gate.
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What your roof's age does to your homeowners policy
Past about fifteen years, Louisiana carriers stop paying to replace your roof and start paying its depreciated value — or decline the house outright.
Your wind and hail deductible is not $1,000
Most Louisiana homeowners policies use a percentage deductible for named storms. Here's how to work out the real number before you need it.
Why your premium went up when nothing about you changed
No claims, no tickets, same house — and the renewal is hundreds more. What's actually driving Louisiana rates, and the handful of things you can still control.
Ask a person instead.
Nothing here replaces reading your actual policy with someone who does this for a living. Send us your declarations page and we'll mark it up — no cost, no obligation, and an honest answer if what you have is already the better deal.