Home Insurance

Whether you are buying your first home, relocating or renting, there are many reasons to buy property insurance.

It is where you live and where your possessions are. Chances are, it is your greatest asset. But more importantly, it is your home and you need to protect it.

Property Insurance provides peace of mind when:

  • Bad things happen like burglary or vandalism.
  • You must replace, repair or rebuild due to a disaster.
  • You have precious items that need protecting such as jewelry, etc.
  • You apply for a mortgage and your lender requires insurance.

What Are The Coverage Options?

Homeowner's policies are designed to indemnify and assist you in the event of damage to your home or personal property.

The standard Homeowner's policy covers the following:

  • The physical structure of your home, permanent structures on your property and your personal property.
  • Personal liability exposures that arise from being a homeowner including medical expenses for guests who are accidentally injured on your property.
  • Additional costs that you may incur as a result of a covered loss to your home, such as fire or flood, that causes your home to be uninhabitable.

How Much Homeowner's Insurance Do I Need?


Here are some things to consider when planning your coverage:

  • To be fully protected in the event of a total loss, you must keep your home insured to 100% of replacement cost.
  • Coverage should be at least 80% of your home's replacement cost to be sure that partial losses are paid on a replacement cost basis. Otherwise, you risk having your settlement reduced as a penalty for underinsurance.

What's Next?

Our representatives are ready to help you determine the coverage options that are best for your individual situation and to provide rate quotes. We look forward to assisting you!

Phone: (504) 240-5267 or 1-800-883-3943
Fax: (504) 240-5266

NOT A DEPOSIT. NOT INSURED. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NO BANK GUARANTEE.

Liberty Insurance Incorporated is a wholly owned subsidiary of Liberty Bank and Trust Company.

The products offered by Liberty Insurance are not a deposit or other obligation of, or guaranteed by, Liberty Bank. They are not insured by the FDIC or any other agency of the United States, or by Liberty Bank.

Life insurance and annuity products that have an investment component are subject to investment risk including the possible loss of value. Liberty Bank does not condition the extension of credit on the applicant's purchase of an insurance product or annuity from Liberty Bank or Liberty Insurance. Nor is the extension of credit conditioned upon the applicant's agreement not to obtain an insurance product or annuity from an unaffiliated entity.