Louisiana

All State

Payment options:

  • Ezpay
  • Credit card
  • Debit card
  • Paid in full

Discount options:

  • paid in full
  • 10 percent depends on the state
  • Early signing 7 days
  • State-dependent
  • Drive wise - calculate in the cellphone

Coverage Options:

  • Coverage A Min: depends on the dwelling
  • Guaranteed RC: 100%
  • Umbrella option: Yes - 300k

Underwriting Guidelines:

  • Central air required: no
  • Central Heat Required: no
  • Accept Asbestos siding: not accepted
  • Unacceptable dog breeds: No bite history- all dogs acceptable
  • Water Damage Limits: it depends
  • Age Water Damage Limits applied: N/A
  • Pool Eligible/requirement: properly fenced and locked
  • Slide Eligible: no restrictions
  • Diving Board Eligible: no restriction
  • Trampoline Eligible/requirement: no restriction ( in good condition )
  • Age of construction minimum: 1930
  • Roof age minimum: Metal & tile roofs 20 years (Subject to non-renewal at 25 years)
  • Crawl space acceptable: yes
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • Home
  • DWF
  • Renters
  • Condo

Other:

  • Check tiers for 2% deductible in certain zip. HO standalone has requirements for credit score, prot class, and dwelling value
Allied Trust

Payment options:

  • Mortgagee Billed
  • Insured Full Pay
  • Insured 2 Pay and 4 Pay
  • 2 Pay EFT*
  • 4 Pay EFT* and 10 Pay EFT*

Discount options:

  • all payment plans

Coverage Options:

  • Coverage A Min: $250,000
  • Guaranteed RC: 100%
  • Umbrella option: yes

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: not accepted
  • Unacceptable dog breeds: don't cover, do have animal liability
  • Water Damage Limits: 10k
  • Age Water Damage Limits applied: endorsement
  • Pool Eligible/requirement: fenced, or entire property 4 ft high and locked
  • Slide Eligible: we don't provide liabilities, but you can
  • Diving Board Eligible: we don't provide liabilities, but you can
  • Trampoline Eligible/requirement: we don't provide liabilities, but you can
  • Age of construction minimum: 75 yrs
    • HO3 & DP3 (New Business) the restriction has been removed
  • Roof age minimum: 15 yrs
    • Effective, February 1, 2023, Allied Trust will require proof of roof replacement within the last 5 years for all new business on the HO3 & DP3 products.
  • Crawl space acceptable: concretes slab. open or enclose
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • -

Other:

  • LINK
  • Deductibles: HO3 & DP3 (New Business) Minimum 3% Named Storm Deductible applies for the following parishes: Assumption, Cameron, Iberia, Jefferson, Lafourche, Orleans, Plaquemines, St. Bernard, St. Charles, St. John the Baptist, St. Mary, St. Tammany, Terrebonne and Vermilion. (Minimum 2% Named Storm Deductible applies for all other parishes).
American Modern- H (no HO, just dwelling)

Payment options:

  • Pay in full
  • Semi-annual
  • Quarterly
  • Bi-monthly
  • Monthly

Discount options:

  • -

Coverage Options:

  • -

Underwriting Guidelines:

  • -

Policy Types Offered:

  • Dwelling basic
  • Special
  • Manufactured home

Other:

Progressive/ASI

Payment options:

  • Manual payment
  • Paid in full
  • Semi-annual- 55% dp - 6 months
  • 4pay every 90 days - 30% dP

Discount options:

  • Paid in full

Coverage Options:

  • Coverage A Min: 100k
  • Guaranteed RC: 100%
  • Umbrella option: yes

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: not accepted
  • Unacceptable dog breeds: -
  • Water Damage Limits: endorsement
  • Age Water Damage Limits applied: endorsement
  • Pool Eligible/requirement: fenced, or entire property 4 ft high and locked
  • Slide Eligible: no
  • Diving Board Eligible: no
  • Trampoline Eligible/requirement: no
  • Age of construction minimum: 150
  • Roof age minimum: 20 yrs
  • Crawl space acceptable: yes, need to be enclosed
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • DP3
  • HO3
  • HO4
  • HO5
  • HO6

Other:

  • LINK
  • Exclusion:
    • Collision coverage may be excluded when an unlisted driver has been a resident or houseguest for at least 185 days.
Fair Plan- H

Payment options:

  • -

Discount options:

  • -

Coverage Options:

  • -

Underwriting Guidelines:

  • -

Policy Types Offered:

  • -

Other:

  • -
Encompass

Payment options:

  • Pay in full/Mtg billed
  • 2 pay
  • 4 pay
  • 10 pay
  • Auto deduction or CC
  • Monthly manual pay

Discount options:

  • -

Coverage Options:

  • Coverage A Min: -
  • Guaranteed RC: -
  • Umbrella option: yes

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: -
  • Unacceptable dog breeds: -
  • Water Damage Limits: -
  • Age Water Damage Limits applied:-
  • Pool Eligible/requirement: -
  • Slide Eligible: -
  • Diving Board Eligible: -
  • Trampoline Eligible/requirement: -
  • Age of construction minimum: -
  • Roof age minimum: -
  • Crawl space acceptable: -
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • -

Other:

  • -
Foremost (Star)- H

Payment options:

  • 1 pay
  • 2 pay
  • 4 pay
  • EFT

Discount options:

  • -

Coverage Options:

  • Coverage A Min: $100,000
  • Guaranteed RC: 100
  • Umbrella option: no

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: yes, underwriting approval
  • Unacceptable dog breeds: signed exclusion
  • Water Damage Limits: no specific
  • Age Water Damage Limits applied:-
  • Pool Eligible/requirement: no, need to sign an exclusion
  • Slide Eligible: no
  • Diving Board Eligible: no
  • Trampoline Eligible/requirement: no
  • Age of construction minimum: none
  • Roof age minimum: none, 15 yrs acv claim, under 15, RCV
  • Crawl space acceptable: yes
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • -

Other:

  • Pausing New Business on: Foremost Choice (Landlord and Manufactured Home) policies
National General- H

Payment options:

  • Paid in full/Mortgagee billed
  • Monthly EFT (20% down with 10 installments)
  • 2 pay
  • 4 pay

Discount options:

  • In agency auto, no service fee for paid in full

Coverage Options:

  • Coverage A Min: $150,000
  • Guaranteed RC: no
  • Umbrella option: no

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: Not accepted
  • Unacceptable dog breeds: Yes
  • Water Damage Limits: No (5k for water backup already included)
  • Age Water Damage Limits applied: N/A
  • Pool Eligible/requirement: Accepted with a 4-foot fence with locking gates
  • Slide Eligible: No
  • Diving Board Eligible: No
  • Trampoline Eligible/requirement: Accepted with fence and safety net
  • Age of construction minimum: 50 yrs or submit to UW
  • Roof age minimum: No
  • Crawl space acceptable: Yes (pier and beam under 3 ft must be enclosed)
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • DWF
  • Renters

Other:

  • No metal buildings on premises, no ponds, no farm animals, no acreage over 5, must be visible to at least 3 other dwellings, and paved access
Safeco- H

Payment options:

  • Paid in full/Mortgagee billed
  • 2 pay
  • 4 pay
  • Monthly EFT

Discount options:

  • 2-pay keeps full pay discount
  • Auto discount applied until next renewal

Coverage Options:

  • Coverage A Min: -
  • Guaranteed RC: 100 % ext
  • Umbrella option: Yes w/auto

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: -
  • Unacceptable dog breeds: Yes
  • Water Damage Limits: No
  • Age Water Damage Limits applied: N/A
  • Pool Eligible/requirement: Accepted, fences preferred
  • Slide Eligible: yes
  • Diving Board Eligible: yes
  • Trampoline Eligible/requirement: Fences preferred
  • Age of construction minimum: no
  • Roof age minimum: 30 years (75 for metal)
  • Crawl space acceptable: No open foundation for homes built prior to 1960
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • Home
  • DWF
  • Renters
  • Condo

Other:

  • -
Safepoint

Payment options:

  • -

Discount options:

  • -

Coverage Options:

  • -

Underwriting Guidelines:

  • -

Policy Types Offered:

  • -

Other:

  • Specific parishes are 2% and 3%
  • If the home is older than 30 years it will require a 4 point inspection

Update:

  • Either select or not select that the roof is 2006 SUCC compliant.
    • 2006 SUCC Compliant means that the roof adheres to the construction standards set in 2006
  • The selection of the “is the 2006 SUCC compliance” affects two things:
    • The need for a form to be completed about the roof
    • Valuation of the roof
      • Selecting YES and providing the form leaves the roof as a replacement cost
      • Selecting NO to compliance and not providing the form means roofs older than 15 years change to ACV. 
SageSure-H (SURE)

Payment options:

  • Paid in full/mortgagee billed
  • 2 pay
  • 4 pay
  • 10 pay

Discount options:

  • In agency auto disct
  • 50+ and retired discount

Coverage Options:

  • Coverage A Min: $75,000
  • Guaranteed RC: no
  • Umbrella option: no

Underwriting Guidelines:

  • Central air required: yes
  • Central Heat Required: yes
  • Accept Asbestos siding: yes
  • Unacceptable dog breeds: Signed exclusion
  • Water Damage Limits: No
  • Age Water Damage Limits applied: N/A
  • Pool Eligible/requirement: Allowed, 4 ft fence required with locking gates
  • Slide Eligible: Excluded
  • Diving Board Eligible: Excluded
  • Trampoline Eligible/requirement: Excluded with a signed statement
  • Age of construction minimum: no
  • Roof age minimum: 12 for asphalt, 20 for architectural / Risks with roofs older than 10 years in all parishes are ineligible for Diamond & Diamond Elite producers. Platinum producers will require roofs less than 5 years old.
  • Crawl space acceptable: Yes, including open crawlspace or piers/posts
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  • HO3

Other:

  • Metal buildings on premises larger than 750 sq feet must be referred to UW
  • Lafourche, Plaquemines, St. Bernard and Terrebonne parishes:
    • Minimum Coverage A $400,000
    • 3% hurricane or wind/hail deductible required
  • The remainder of the state:
    • Minimum Coverage A $300,000
  • The following changes to the hazard minimum deductibles requirements for hurricane or wind and hail are effective for new business beginning December 13, 2022:

    • Very High Hazard has increased from 2% to 3%
    • Extreme Hazard locations remain ineligible, but in case of exceptions, the deductible has increased from 2% to 5%
TPI (Tim Parkman Inc.)

Payment options:

  • -

Discount options:

  • -

Coverage Options:

  • Coverage A: Maximum amount up to $400,000
  • Guaranteed RC: 
  • Umbrella option: 

Underwriting Guidelines:

  • Central air required: -
  • Central Heat Required:-
  • Accept Asbestos siding: -
  • Unacceptable dog breeds: -
  • Water Damage Limits: -
  • Age Water Damage Limits applied: -
  • Pool Eligible/requirement: -
  • Slide Eligible: -
  • Diving Board Eligible: -
  • Trampoline Eligible/requirement: -
  • Age of construction minimum: -
  • Roof age minimum: -
  • Crawl space acceptable: -
  • Maximum Liability Limit: -
  • Maximum Coverage A: -

Policy Types Offered:

  •  

Other:

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