Home owners insurance in Livingston parish

Centauri is doing good things in the area.

Damn. I have ASI.
They do send free smoke detector batteries
But sounds like I'm fricked if a hurricane comes.

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Centauri, ASI, Access, Safeco, among other smaller companies charge lower rates for a reason. Remember that.

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This is completely false. These companies along with many independent companies are great companies and backed by the state. They are no differ t than the big names expect you will end up with a better rate and better coverage.

No I am not but both companies are backed by the State of Louisiana guarantee fund, which states that the state will step in and pay a claim of a company that they back goes insolvent. So the consumer has nothing to worry about. Not only that but consumers fall I love with the big names and fail to realize they are screwing them with high rates and most importantly high deductibles. Your company definitely does not matter when you have a 3%, 5% hurricane, named storm, or wind/hail deductible.

The consumer has nothing to worry about with most of these companies if they are backed by the state. Companies like UPC, ASI, and other independent companies are not cheap for a reason. They have better rates and better coverages than the big name companies that have abandoned the southern portion of our state. If you go get a policy from Allsate, State Farm, Farm Berau then your going to end up with a split policy. The wind\hail would be with LA Citizens(the worst company in rates, claims,etc.) These companies have abandoned the state and I re-write customers with these companies almost every day now. Once explained the customer realizes how bad of a situation they were in.

Anyone have any experience with Horace Mann Insurance? I've heard if you qualify for them, they usually have good rates.

They have pretty decent rates but I don't have any idea how they are at paying claims.

When you buy insurance, you're buying convenience at claim time. That's they key to remember when shopping for insurance.

The captives are getting their feelings (and wallets) hurt.

What year construction is your house?

I have ASI and I'm south of I-10. Last year my premium went up 350 dollars after only increasing 150 dollars the previous 5 years. Now this year to my surprise my premium has decreased 350 dollars. And I didn't call to ask why.

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They are no differ t than the big names expect you will end up with a better rate and better coverage.

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So cheaper rates equal better coverage? Good luck with the cheap rates when shite goes down and your left high and dry. Fighting for help for your claim and looking for a new company.

Those companies are not "backed" by the state. They have agreements to insure people in the state, but to say they are backed by the state is wrong.

So decide what you want from a company and use them. If $100-$300 a year and a 2-5% wind/hail deductibles bother you or you don't give a shite who your agent is. Use imperial or ASI, both are A rated by AM Best

If you want to have a relationship with your agent and not worry about the company leaving after a major event then use one of the big 3 in the state. Farm bureau (2%) or all state/State Farm (5%). Farm bureau is A rated as well... Not sure about SF or AS as far as rating.