Home, Business, & Auto Insurance
Homeowners insurance is intended to reimburse you for losses caused by disasters, accidents, or theft.
It typically comes as “package” insurance – this means it covers both the loss of property and the occurrence of damage. (Good homeowners insurance will cover the medical bills of a guest who injures herself in your home, for example.)
You should be aware of the limits of homeowners insurance. It won’t provide coverage for damage caused by poor maintenance – you’re still responsible for the upkeep of your home. More importantly in New Orleans, homeowners insurance doesn’t cover water and wind damage. In the event of a hurricane, this can be a big problem! Make sure you consult with us about adding flood and windstorm coverage to your homeowners policy.
Things to consider when you consult Brian P. Cook about homeowners insurance:
- How much coverage do you need? The cost of rebuilding your home and replacing all of your possessions can mount up quickly! We’ll help you itemize your belongings and review the features of your home to arrive at an accurate estimate of the cost of a total replacement
- Can you rely on your insurance company? Thanks to our extensive experience with the insurance industry, we can give you great insight into the strengths and weaknesses of different providers. Although getting a good deal is very important, you don’t want to save money by working with an insurer with a poor record for paying claims.
- How does the claim-filing process work? Before you finalize your insurance, make sure you ask us about the process of filing a claim. You need to know who to contact to start a claim and have a good idea about what happens next.
Flood insurance is a vital companion to homeowners insurance here in Louisiana. Because homeowners insurance doesn’t cover flood damage, a major hurricane can leave you in serious trouble if you don’t have an additional flood policy.
Following a major hurricane, federal assistance is often provided to homeowners who’ve experienced damage in the storm. As we saw in the aftermath of Hurricane Katrina, relying on federal aid in such cases can be extremely risky. Why not use a flood insurance policy to provide yourself with a superior level of protection?
Whether you’re putting together a new insurance package or want to add flood insurance to your existing coverage, Brian P. Cook insurance can help.
Even if you rent your home, carrying insurance is a very good idea! Renters insurance protects your property against loss and damage caused by disasters, accidents, or theft. As with a homeowners policy, renters insurance also protects you against the cost and legal liability of damage that happens within your home – if a guest hurts themselves, renters insurance will help with any medical bills. Let the Brian P. Cook Insurance Agency help you secure peace of mind with an affordable, effective renters insurance policy.
There’s another significant factor that makes renters insurance a good bet in New Orleans: Most policies cover displacement costs. If a disaster like a hurricane forces you out of your home, a good renters policy will assist you with the expenses of evacuation and relocation.
In order to get an appropriate level of renters coverage, you need to have an accurate value of your possessions. This can be done by making an inventory of them. A property inventory is also a very valuable tool when you file a claim on your renters insurance, so make sure you hang onto it after you purchase your policy!
As many homeowners have learned to their dismay in the last few hurricanes, insurance providers can get very specific about the difference between wind and water damage. Don’t get stuck in this trap following the next storm; consult Brian P. Cook Insurance to ensure that you have full protection! With a good windstorm policy, your home will be covered in a hurricane situation no matter what inflicts damage to it.
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