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Home ownership is one of the most important investments someone can make. It’s important to protect that investment from the many types of damages that can occur over the lifetime of a home. Particularly in Louisiana, where the weather is an ever- present and shifting danger, having a full coverage policy can be the difference between having the rug pulled out from under you or getting back on your feet after a hurricane or flood. Safe Lily Insurance is committed to helping Gulf Coast residents purchase the finest homeowners insurance in Louisiana.

Because Safe Lily Insurance is an independent insurance Agency, we have the time and the ability to shop through various plans and carriers on your behalf and find the best coverage at the best price for you. Homeowners can take advantage of our comprehensive coverage options which may include protection for the following:

● The physical structure of your home
● Replacement cost
● Personal possessions
● Additional living expense (in the event of covered loss or a natural disaster)
● Liability

Know Your Homeowners Insurance Coverage

What does Homeowners Insurance cover?

Homeowners insurance may cover losses to covered property caused by:*

· Weather: Storms, fire, wind, hail, lightning, freezing of a plumbing system, weight of ice, snow
or sleet
· Non-weather: Theft, vandalism, riots, aircraft and vehicles
· Accidental Direct Physical Loss: Water from plumbing, tearing/bulging of heating or cooling
systems, artificially generated electrical current

* Please refer to your actual policy for a complete list of covered property and covered losses.

What’s not covered by Homeowners Insurance?

Homeowners insurance may not cover:*

· If the insured intentionally causes harm to property or person
· Business pursuits or professional services. Learn more about business owners policies.
· Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft

* Please refer to your actual policy for a complete list of losses not insured and policy exclusions.

The Basics of Renters Insurance

Do I need Renters Insurance?

Your landlord’s coverage doesn’t cover your stuff. Make a move to protect what’s yours.

What does Renters Insurance Cover?

Personal property, things like computers, furniture, electronics, bikes, etc.
Renters insurance may cover losses caused by

· Weather: Fire, storms, wind, hail, lightning, freezing of a plumbing system, weight of ice, snow
or sleet
· Non-weather: Theft, vandalism, riots, aircraft and vehicles

*Please refer to your actual policy for a complete list of covered losses*

What’s Not Covered by Renters Insurance?

Renters insurance may not cover:

· If the insured intentionally causes harm to property or person
· Business pursuits or professional services
· Ownership, operation, or maintenance of aircraft, motor vehicles, and some watercraft

*Please refer to your actual policy for a complete list of losses not insured and policy exclusion.