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re: La. Homeowners Insurance
Posted on 2/3/23 at 8:15 am to SantaFe
Posted on 2/3/23 at 8:15 am to SantaFe
I still just don’t understand why their isn’t just Hurricane insurance, a separate policy that kicks in only if a hurricane hits. No debating if it’s a flood or wind, just if a hurricane hits my area and I have damage, then I use my Hurricane policy. If I refuse to buy hurricane insurance, then it’s tough cookies for me if I get damage, but my general house liability insurance, protecting my property from injury law suits should not be based around storms. I should have the ability to have house insurance that protects my general liability and then a separate hurricane insurance policy.
This post was edited on 2/3/23 at 8:23 am
2
Posted on 2/3/23 at 8:23 am to LolStarFishlol
Well I kind of have that. Our fire/these is through farm bureau and wind/hail through Louisiana citizens.
We’re considering paying off our home — we can then lower/cancel our wind/hail coverage if we choose and basically self insure.
We’re considering paying off our home — we can then lower/cancel our wind/hail coverage if we choose and basically self insure.
This post was edited on 2/3/23 at 8:24 am
Posted on 2/3/23 at 9:13 am to LolStarFishlol
quote:There already is something along the lines of what you're asking about.
I still just don’t understand why their isn’t just Hurricane insurance, a separate policy that kicks in only if a hurricane hits. No debating if it’s a flood or wind, just if a hurricane hits my area and I have damage, then I use my Hurricane policy. If I refuse to buy hurricane insurance, then it’s tough cookies for me if I get damage, but my general house liability insurance, protecting my property from injury law suits should not be based around storms. I should have the ability to have house insurance that protects my general liability and then a separate hurricane insurance policy.
Some companies will write a homeowner policy that excludes wind and hail coverage. Louisiana Citizens (state owned insurer) offers a wind/hail only policy. But if you're trying to avoid paying for wind/hail coverage, then you'd have to own your house free and clear without a mortgage.
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