Opelousas Homeowners Insurance

How to find a local independent agent

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

Opelousas Louisiana homeowners insurance

Opelousas, LA is home to zydeco music and a whole lot of history. Early settlers were of French Creole descent, making this city an entertainer's delight.

When you own a home in this town of 16,323 residents, you're going to need coverage. An independent insurance agent has access to several carriers, giving you options. You can find a local expert and begin your search today. 

How Opelousas, LA Disasters Impact Your Premiums

Catastrophic events and natural disasters take a toll on your home and your finances without the right coverage. They can also impact your premiums. The more claims filed in an area, the higher your insurance costs. There are ways to save if you work with an independent agent. Take a look at the most common natural disasters in Opelousas, LA:

  1. Flooding and water damage
  2. Burglary and other property crimes
  3. Hurricanes and tropical storms
  4. Severe storms and lightning
  5. Tornadoes

How will natural disasters impact you personally?:

  • Flood damage is covered under a separate policy. Most insureds find out when it's too late, and a loss has already occurred. An independent agent can quote flood insurance before damage happens.
  • Property damage to your home will require specific insurance to have the right coverage. An independent agent can help you decide which limits are best.
  • Power outages can create food loss, appliance damage, and more. If you want proper protection, speak with an independent agent on your coverage.

When you want the best coverage for a low cost, an agent can help you find discounts. To get a home policy for an affordable price, you'll want an adviser that knows ways to save. Contact an Opelousas independent agent to get started.

How to Save Big on Your Opelousas, LA Home Insurance Premium

Home insurance can cost a lot if you're not working with a professional. Since several factors play a part in your price, you'll need someone who knows their stuff. Check out the average annual home premiums across the board:

  • National average: $1,211
  • Louisiana average: $1,968

Louisiana is the most expensive place to purchase home insurance in the US. That means you'll want an expert's advice when shopping for rates. Here are a couple of items that they may recommend first:

  • Improve your credit score: Carriers use your credit to determine insurance rates.
  • File fewer claims: The more losses you have in a shorter period, the higher the surcharge on your policy.

If you're looking for ways to cut costs, consider bundling. When you bundle your home and auto insurance with the same carrier, you'll save big time. Companies usually award a 30% discount or more on pricing. Connect with an Opelousas independent agent for more information.


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Burglary in Opelousas, LA and What It Means to You

Burglaries impact your personal and financial life. When you're the victim of a break-in, you could have to pay out of pocket for stolen items without the right coverage. An agent can help you be proactive before a claim occurs. Let's see how many burglaries per 100,000 households there are:

  • National average: 376.00
  • Louisiana average: 668.10
  • Opelousas average: 2,331.00

Burglaries are frequent in Opelousas, which means you'll need to find other ways to save on your premiums. Carriers surcharge your home policy for higher crime in an area. Speak with an Opelousas independent agent to see how local burglary impacts your rates.

Do You Have Enough Liability Insurance in Opelousas, LA?

Liability lawsuits can happen to anyone. When a member of your household gets sued due to a loss, then you'll be glad you have the right coverage. An agent can help you pick out which liability limits are adequate for you. 

Another way to protect your family is with umbrella insurance. It will add a layer of protection above and beyond your underlying home coverage. When your primary limits are exhausted, umbrella insurance will kick in. Contact an Opelousas independent agent to discuss further. 

Does Your Opelousas, LA Airbnb Have the Right Coverage?

If you own a short-term rental property, there are specific coverages you need to have. Landlord insurance will protect against the risk exposures associated with owning a rental home.

A landlord policy will provide for your tenant and vacancy exposures. Loss of use coverage will pay for expenses when a claim puts your asset out of commission. Discuss how you can cover your Airbnb properly with an Opelousas independent agent.  

How to Work with an Opelousas, LA Independent Insurance Agent

When you work with an independent insurance agent in Opelousas, you're getting the best deal in town. Since they have access to several carriers, you'll have options others don't.

An independent agent is free to use, saving you time and premium. Go to TrustedChoice to connect with a local expert in minutes. 

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