The fourth largest city in the state. Lafayette is the center of Cajun culture. This city is famous for its cuisine and is reputed to have more restaurants per person than any other U.S. city. There are many reasons to love this vibrant city and want to make it your home. If you have recently purchased a house here, you will want to be sure to protect your investment with a comprehensive Lafayette, LA homeowners insurance policy.
One of the most expensive problems that you, as a homeowner, can face is being sued for liability. This can happen if a third-party is injured on your property and you are found responsible due to negligence in upkeep. Some examples include if a guest falls down a flight of stairs because of a loose floor-board, or if a delivery person slips and falls on an icy sidewalk or even if your pets or children injure another or do something that causes excessive property damage.
In most cases, accidents such as these result in minor injuries, but sometimes they can require extensive and long-term medical care. If this happens, you can count on your homeowners insurance policy to shield you from having to pay these excessive expenses fully out of pocket. Your homeowners liability insurance will even cover the court costs and legal fees that are associated with a covered event.
When the forces of Mother Nature cause damage to your home, you will be glad you have a fully comprehensive Lafayette homeowners insurance policy. Most weather-related property damage in this city is caused by the following:
A comprehensive Lafayette homeowners insurance policy coupled with NFIP-backed Louisiana flood insurance should be sufficient to protect you from the financial hardships that can be brought on by weather-related damage to your home.
If your home is broken into and burglarized, you are apt to lose a lot of expensive property and may even be faced with repair expenses if a door or window was broken during the course of the robbery. Your Lafayette homeowners insurance policy can provide you with compensation for your losses.
There are several different property crimes that fall under the category of theft, but burglary is the one that most concerns homeowners.
You are strongly advised to remain vigilant and keep your home secured, preferably with a deadbolt lock. If you do happen to become of a victim of burglary, first attend to your own safety and then contact your local police department to file a report. Afterward, compile a listing of everything that was taken and contact your homeowners insurance company so that they can start working on your claim.
Insurance experts typically recommend that you obtain a minimum of three insurance quotes before purchasing any insurance product. This allows you to assess whether the policy you are selecting offers adequate coverage and comes at a reasonable rate. Unfortunately, obtaining these quotes can often be time-consuming because you will have to provide each company with a large amount of personal information before they can give you an accurate quote.
You can save time and money by allowing an independent agent in the Trusted Choice® network to do your comparison shopping for you. These agents can use their relationships with several different insurance companies to quickly provide you with a variety of competitively priced policies that meet your coverage needs. Find a Trusted Choice agent in your neighborhood and start comparing Lafayette home insurance quotes today.