Home Insurance Crowley Louisiana

Home Insurance Crowley Louisiana – Better Rates and Coverage!

Home Insurance Crowley LouisianaAre you searching for car or home insurance in Crowley Louisiana or the surrounding areas? You have definitely come to the right place!

The qualified agents at Jeff Davis Insurance can help you find the right policy for a price you can afford.

Call 337-824-4455 to speak to an agent today. Or you can use our convenient online quote system by clicking on Crowley Homeowners Insurance.

Crowley Homeowners Insurance Policies – Verify Your Policy Form.

In a previous article we discussed a claims scenario involving coverage under the Basic Home Policy Form. 

Marcy purchased the Basic Home Policy Form to save money on her insurance. Unfortunately she had a fire loss shortly after moving into her home.  The good news is that losses caused by fire are covered by the Basic Home Policy Form.

However Marcy did not realize the Basic Home Policy Form only settles claims on an actual cash value basis.

Marcy’s loss settlement was reduced by $4,987 for depreciation on the $21,782 claim! 

As an agency we do not recommend purchasing the Basic Home Policy Form because it does not provide replacement cost coverage.

If you’re not sure what policy you have purchased it’s best to learn what you’re covered for before a claim happens versus after, would you agree with that?

One of our licensed agents would be happy to review your coverage.

Make sure to call our office at 337-824-4455 or click on Crowley Louisiana Home Insurance for an online rate quote request.

Today we are going to discuss the Broad Home Policy Form.

What Does a Broad Form Policy Cover?

In addition to what the Basic Home Policy Form covers the Broad Home Policy Form adds the following coverages:

  • Burglary/break-in damage
  • Falling objects
  • Weight of ice and snow
  • Freezing of plumbing
  • Accidental water damage
  • Artificially generated electricity

Let’s consider a claim scenario to determine if coverage would apply under the Broad Home Policy Form:

Terrance has been watching the news closely. Why? Because there’s a large storm coming!

He’s concerned about flooding and the damage that can come with fierce winds and torrential rains.

The storm comes and Terrance and his family remain in the middle of their home. They hear loud creaking as the winds intensify.

Suddenly they hear a loud crash! Terrance runs upstairs to investigate the noise and finds that a large tree branch from their White Oak tree has landed on their roof. It’s made a hole in the roof and broke several windows and rain water is coming in.

Terrance rushes downstairs to grab garbage cans to catch the water and after the storm abates he calls his insurance company to submit a claim for the damage.

Will the damage from the fallen tree branch be covered under his policy?

We will learn the answer in our next article.

Great Coverage and Service for Home Insurance in Crowley Louisiana Is One Call or Click Away!

When you need great service and a policy that offers the coverage you need trust the specialists at Jeff Davis Insurance.

Call 337-824-4455 to speak to an agent Monday through Friday until 4:30 PM or click on Crowley Homeowners Insurance to use our online quote system.

We also offer great rates in the below communities:

  • Home Insurance Estherwood La
  • Home Insurance Rayne Louisiana
  • Home Insurance Mermentau
  • Home Insurance Morse Louisiana
  • Home Insurance Gueydan
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