Protect your Leesville home. Get a quote today.
Family-friendly Leesville is home to nearly 6,000 residents who enjoy a superior quality of life thanks to the area’s small-town atmosphere. Whether you want to go shopping near Fort Polk, take in a rodeo, or hike through the scenic natural landscapes, you can find something fun to do in Leesville, Louisiana.
But even in a peaceful place like Leesville, things can go wrong. Thunderstorms, hail, and despite the town’s distance from the coast, even hurricanes have caused damage to Leesville homes.
That’s why it’s so important to have Louisiana homeowners insurance in Leesville. Getting quality insurance protects you from having to pay for damage out of your own pocket. Let’s take a look at just how a policy from Kin*covers your home.
Homeowners insurance in Leesville, LA is designed to protect you from having to pay for losses resulting from common perils, such as fire, theft, and windstorm. Policies via Kin typically have six coverage to protect different areas of risk. These are:
Replacement-cost dwelling coverage that helps you pay for repairs if the structure of your home is damaged or destroyed by a covered peril.
Other structures coverage, which is triggered by damage to a structure other than your dwelling, like a sidewalk or a shed.
Personal property coverage to help replace damaged belongings, such as clothing, furniture, and fixtures.
Loss of use coverage that may help you pay for living expenses over and above your typical costs if covered damage makes your home temporarily uninhabitable.
Medical payments coverage that can cover a portion of your guest’ medical bills if they’re injured on your property.
All of these coverages pertain to both the standard portion of the policy as well as the hurricane portion of the policy. That’s right, all Kin homeowners policies automatically come with hurricane coverage. Just choose your hurricane deductible to finalize your policy details.
While Louisiana is one of the most expensive home insurance states in the country averaging $1,968 in premium annually, chances are most Leesville homeowners don’t see premiums quite that high. The town is situated far enough from the coast that it hasn’t seen as much damages as cities closer to the Gulf.
But you should note that location is just one of several factors that impact home insurance premiums. Insurance companies may also look at your home’s:
Unique features and amenities.
Construction and framing type.
These and other characteristics may come into play when calculating premium – and that’s a good thing when you work with Kin. The premium on a policy purchased through Kin is based on lots of insurance data, which means it more accurately reflects your home’s risk. This can often lower your home insurance costs.
Want to see how much you might save? Enter your address or give us a call at 855-717-0022 now.
Leesville's risk for hurricane damage is low, but it’s not zero. The city has seen more than 35 hurricanes since 1930, the most recent one being Hurricane Laura in 2020. Plus, climate change’s impact on hurricanes means these dangerous storms have higher velocity winds and more rainfall. So while Leesville may not see storm surge, its residents should learn about their flood zones.
Louisiana has also seen an uptick in tornadoes, reaching an average of 55 per year. That’s an increase from the average of 44 per year in the Pelican state between 2000 and 2009. Another peril Leesville’s homeowners should know about? Thunderstorms. Louisiana has between 50 and 70 every year.
When you work with Kin, you may be eligible for a discount if you:
Buy a new home.
Maintain a clean claims history.
Opt for an e-policy.
Or 1%, 2%, 3%, 4%, 5%, or 10% of Coverage A
Opting for a higher deductible may reduce your premium, but you want to be smart about the amount you choose. You’re responsible for that amount when you file a claim, so you want to pick a deductible that you can afford even in a disaster.
Enter your address or call us at 855-717-0022 to get a quote.
*Kin is Kin Insurance Network Distributor, LLC, a licensed surplus lines producer.
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