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: