Curtis Insurance, Serving Southwest Louisiana since 1973
Homeowner Insurance FAQ
Q: What types of Insurance does Curtis Insurance Agency offer? A: Auto, RV, Motorcycle, Home, Life, Medicare plans
Q: What does my Homeowner policy cover? A: A full homeowner policy covers your dwelling (including attached garage, porch, etc), contents/personal property, liability, other structures (sheds, detached garage, etc.), loss of use and additional living expenses.
Q: If my car is broken into will my Homeowner’s policy cover my personal property. A: Yes but your deductible and any scheduled limits on certain personal property will apply.
Q: My home flooded but my insurance company refuses to pay. Why? A: Homeowner policies do not cover “rising” water (flooding). You need to get a separate policy for that.
Q: My neighbor’s water pipe burst and flooded his house, why did his insurance pay? A: Because the flooding was inside the house and caused by the broken water pipe, not from water which rose from the ground due to torrential rains or overflow of rivers, lakes or canals.
Q: My son was injured in the park. Does the liability and medical payments coverage on my homeowner policy pay for his injuries and medical bills? A: No. Personal liability and medical payments on your homeowner policy pays for property damage and bodily injuries to others you are responsible for. Example: Your dog bites a child at the park or your neighbor falls and breaks a leg while helping you work in your yard.
Q: Why was my homeowner policy was denied (or nonrenewed) because of my dog? A: Insurance companies have a list of prohibited breeds for dogs. You can find the list here but it’s always smart to check with your company to be sure your dog is not one of the prohibited breeds.
Q: I received a notice from my Insurance company that I need to get rid of my trampoline (or swimming pool). Can you explain why? A: Trampolines and swimming pools are a considered an “attractive nuisance” by most insurance companies. However, sometimes you can still have these if you stay within your company’s underwriting guidelines. Give them a call and they’ll tell you what you need to do in order to cover them. For example, a company may agree to cover the risk associated with a pool by requiring a permanently installed fence with a locking gate. Just know the insurance company has the final authority on these and other underwriting issues.
Q: I babysit in my home. Does my liability pay for injuries to my kids or their parents? A: In most instances, you need a Home Daycare Endorsement added to your homeowner policy to cover any liabilities related to your daycare or babysitting business.
Q: I rent an apartment (or house). /does the landlord’s insurance cover my belongings? A: No. You need to get a Renters or Contents only policy which will cover your personal property as well as some liability in case someone gets hurt while visiting you. A renter’s policy will also extend to your personal property in your vehicle.
Q: I am renting/leasing out my house, does my homeowner policy cover the tenants and their belongings? A: No. A homeowner policy is for residences which are “owner occupied.” You need to switch to a Dwelling policy (sometimes known as Landlord policy and your tenants should purchase a separate renters/contents policy.
Your question not covered here? Contact us at 337-433-1683 or through the form on our Contact Page and we’ll get back with you ASAHP.
Call Curtis Insurance today at: 337-433-1683 and allow us to help you navigate your options and choose a policy that best suits your needs.