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Franklin Homeowners Insurance

Find the Right Franklin, LA Homeowners Insurance

Finding the right homeowners insurance policy for you.

Ann Herro | March 14, 2020

Franklin, LA gained its name from Benjamin Franklin when the town was founded in 1808. It quickly became the hub for sugar plantations. Many of the old plantation houses remain in place even today. This city offers a rich history and architectural flare. Franklin’s historical district, with over 42 notable structures to explore, draws tourists from all parts of the country. This beautiful city offers easy access to Louisiana’s waterways and some of the best boating and fishing in the state. Of course, the close proximity to water also poses some serious challenges to local homeowners. Flooding can quickly turn into a citywide disaster, leaving major devastation in its wake, so make sure you're prepared with a reliable homeowners insurance policy.

Our Independent Insurance Agents specialize in helping residents find the most reliable Franklin homeowners insurance plans. Our experienced agents can help you find affordable rates on the coverage you need to protect your home against Louisiana’s most worrisome threats.

  • National yearly premium average: $1,034
  • Louisiana yearly premium average: $1,742
  • 2nd most expensive premium in the U.S.

Franklin homeowners insurance rates trend well above the national average. The reason for this mainly lies in the frequency of flooding the area sees. Independent insurance agents can help by bundling coverage and offering security upgrade discounts. Ultimately, your personal premium depends on the age, size, and location of your home.

Franklin Second Home and Vacation Home Insurance

Franklin has earned its spot in "The 100 Best Small Towns in America" by Norman Crampton. This beautiful history-rich city makes the ideal place to purchase investment property or a vacation home. Second homes can be tricky to insure because they face a unique set of risk factors. They are often left unattended and are at a higher risk for vandalism. Our agents can connect you with the policies that are best suited for second homes in Franklin.

Number of Thefts in Louisiana

  • National number of burglaries: 37,814
  • Louisiana number of burglaries: 41,184

Home invasions are an ongoing problem in Louisiana, and Franklin is no exception. As a general rule, Franklin is a safe place to live, but theft does occur on occasion. Homeowners should take precautions by locking doors and installing security alarms. The ultimate protection comes with choosing an insurance policy that replaces any valuables stolen during a home invasion.

Number of Catastrophes in Louisiana

  • Number of catastrophes in Louisiana: 369
  • Number of tornadoes in Louisiana: 29
  • Amount of property damage in Louisiana: $10,240,000
  • 1 in 15 insured homes has a claim each year

Over the years, Louisiana has faced hundreds of natural disasters. From life-threatening floods to devastating hurricanes, this state has endured one storm after another. If you are a resident in this state, you must make sure you are protected with dependable homeowners insurance.

What Are the Risks in Franklin?

Franklin is considered to be at high risk for hurricanes, which is no surprise with its easy access to Louisiana waterways. This area has seen 61 massive hurricanes since 1930. Flash flooding is another serious problem, especially in recent months. Homes in this area were devastated by water damage, giving a timely reminder that home insurance is critical in case of these types of disasters.

Compare Franklin Home Insurance Quotes

Franklin homeowners face many serious threats due to Louisiana's challenging weather each year. In addition to weather, residents face high rates along with large amounts of property damage. Our Independent Insurance Agents can help you cut the cost of homeowners insurance by providing you with customized rate quotes from multiple policies. Take time to compare quotes and choose a plan that will comfortably work within your personal budget. 

If you’re looking for affordable Franklin home insurance, contact an agent today, and receive a free customized rate quote.

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