re: La. Homeowners Insurance

quote:

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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.

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There already is something along the lines of what you're asking about.

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.