Allstate Insurance Jennings La

Allstate Insurance Jennings LaAllstate Insurance Jennings La

If you have typed this keyword: Allstate Insurance Jennings Louisiana you have most certainly found the right company!

Jeff Davis Insurance represents Allstate Insurance along with other top rated insurance companies in Jennings Louisiana.

Call 337-824-4455 to speak with one of our licensed agents or click on one of the links below when shopping for insurance in Jennings and all of the surrounding areas.

Never Assume Your Home Insurance Policy Covers Every Claims Event.

In the two previous articles we discussed whether or not flooding is covered by the typical Louisiana Home Insurance Policy. We discovered that an outside water source coming from a body of water – which can include rivers, lakes, streams, broken water hydrants, or storm surges driven by wind – are not covered.

However we also learned that water damage caused by an internal claims event could be covered. 

For instance Ted and Nancy Stevenson along with their three year-old daughter Tiffany Marie headed off for a two week vacation.

Only hours before they left Tiffany Marie took it upon herself to stuff 20 rolls of toilet paper down the commode, and as you can imagine quite a mess awaited the Stevensons when they returned – in the amount of nearly $40,000 in water damages.

Fortunately this claim was covered because of Tiffany Marie’s age.

However would every unintentional water claim be covered when it happens inside the home?

Let’s find out. 

Allstate Insurance Jennings La – Would This Be Covered?

In early January Louisiana experienced record low freezing temperatures. To escape the frigid weather Andre and Adelaide decide to pack up and head to Aruba for a week-long getaway in the sun. 

Andre experiences a bit of sticker shock upon seeing the price tag of the couples’ South American retreat and decides to save a few bucks by switching off the heat to their house, turning off his outdoor lights, and unplugging all unnecessary appliances for the duration of the vacation. “No sense heating an empty home,” he reasons.

After their refreshing Aruban escape, Andre and Adelaide return to find their Louisiana home is flooded with two feet of icy-cold water. It turns out that the arctic temperatures had frozen the pipes in the first floor of their home, causing one of them to burst.

“Not to worry,” Andre reassures his despondent wife; “that’s what we have insurance for.”

Andre files the claim with his insurance company.

What do you think? Will Andre’s insurance company cover this unintentional indoor flood just as they covered Tiffany Marie’s toilet paper roll stuffing venture?

We will learn the answer in our next article. 

Allstate Insurance Jennings La – Need Quotes Today?

When searching for Allstate Insurance in Jennings Louisiana call 337-824-4455 to speak with one our licensed representatives or use our convenient online rate quotes system available 24 hours a day by clicking one of the links below:

Lake Charles Renters Insurance

renters insurance CincinnatiNeed Renters Insurance in Lake Charles Louisiana?

If so call 337-824-4455 and speak with the professionals at Jeff Davis Insurance.

Or if it’s more convenient use our online rate quote system when you click on Renters Insurance Lake Charles La.

Please note that when you combine your renters insurance with a car insurance policy in Lake Charles we can give you a huge discount that in some cases will pay for the entire cost of your renters insurance!

If we do not already care for your car insurance make sure that you receive a combination quote for car and renters insurance with one of our insurance companies.

What Is Renters Insurance and Why Do I Need It?

Renters insurance gives you insurance protection for your personal property. Please note one company definition:

We cover personal property owned or used by an insured person anywhere in the world. This includes items not permanently attached to or otherwise forming a part of the realty. When personal property is located at an insured person’s residence, other than the residence premises, coverage is limited to 10% of the Coverage C – Personal Property coverage limit, or $1,000 whichever is greater. This limitation does not apply to personal property in a newly acquired principal residence for the first 30 days after you begin to move property there.

Ok, so a Louisiana renters insurance policy covers your personal ‘stuff.’

So for instance fire is a covered peril on a renter’s insurance policy. If you live in an apartment building and your next-door neighbor sets their kitchen on fire, and that fire also spreads to your apartment, your renters insurance policy will pay to replace your personal contents up to your policy limit.

However just like all insurance policies have limitations and exclusions of coverage renter’s insurance policies are likewise the same.

Limitations of Louisiana Renters Insurance.

Coverage only applies to losses that named in the insurance policy. This is also known as a named perils insurance policy. Typically there are 15 different claim events covered by a renters policy.

An optional endorsement might be available with some insurance companies that would provide what is sometimes called “all risk coverage.” This endorsement does not restrict coverage to only 15 possible events.

There are additional exclusions and limitations of coverage that would be important for you to understand when you’re looking to purchase renters insurance in Lake Charles Louisiana.

Call Jeff Davis Insurance When You Need Lake Charles Renters Insurance Coverage.

Please call our office at 337-824-4455 for more details about your available options or click on Louisiana renters insurance quotes for an online quote 24 hours per day.

As a top-rated independent insurance agency in Lake Charles we can help you find the coverage you need for both renters and car insurance in Lake Charles as a combined policy.

Need renters insurance in other areas? Click any of the links below: