Guide to homeowners insurance in Sulphur, LA

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Sulphur, located near Lake Charles and the Calcasieu River, is known as the “pride of Southwest Louisiana.” And why shouldn’t it be? The city’s residents have created a family-oriented community with year-round activities that includes festivals, youth sports, and the state’s only balloon parade.

With all the city has to offer, it’s little wonder that people want to put down roots in Sulphur. Nearly 70 percent of all the homes there are occupied by the owner.

The town sounds like a great place to raise a family, but that doesn’t mean you don’t need homeowners insurance in Sulphur, LA. Getting coverage helps protect you from the financial ramifications of losses from common events, like fire, theft, and windstorms.

Sulphur homeowners insurance cost

Louisiana insurance costs are some of the highest in the nation – averaging $2,037 per year, according to our most recent data. But Sulphur sits in an area where storms are likely to hit, and that means your coverage could be more expensive than the state average. In fact the last we checked, the annual average premium was over $2,300 in Sulphur.

That doesn’t mean you can’t shop around for a good price. Insurance companies look at several factors to determine premiums, and each company can weigh these factors differently. As a result, premiums can fluctuate between insurers.

The policies we sell are priced using many of the same factors other home insurance companies use. However, the premiums are also based on the analysis of thousands of data points. This means the premium you see is more accurate for your home’s actual risks.

What homeowners insurance covers in Sulphur, LA

Sulphur homeowners insurance typically has six primary coverages, each of which kicks in depending on the type of loss you experience. These are:

  • Dwelling coverage. This helps pay to repair or rebuild your primary structure if it’s damaged during a covered claim.
  • Other structures coverage. “Other structures” typically means items on your property that aren’t attached to your home, such as detached garages and sheds.
  • Personal property coverage. Homeowners policies often cover the cost of repairing items inside your home, including appliances, electronics, and furniture.
  • Loss of use coverage. If a covered peril forces you out of your home, this coverage pays for your additional living expenses, such as hotel or restaurant bills.
  • Personal liability coverage. Your home insurance also pays legal costs if you’re sued for causing someone else’s injury or property damage.
  • Medical payments coverage. This covers reasonable medical bills for guests who are hurt on your property.

Policies through Kin* cover wind damage, you Sulphur residents usually have a separate hurricane deductible for named storms. And while water damage is covered when it comes from internal sources, like a burst pipe, it’s not paid for when it’s caused by a hurricane. For that, you need flood insurance.

Unique risks in Sulphur, LA

Sitting just miles from the Gulf of Mexico often puts Sulphur in the direct line of a hurricane’s path, and the town has seen damage from several major hurricanes, including Laura and Delta.

Sulphur’s location also means the city had a moderate risk of flooding. Those floods may be the result of hurricane storm surge, but nearby lakes and rivers can also overflow during heavy rains. Residents should take the time to see if they sit in a flood zone where flood insurance is mandatory.

Tips for lowering Sulphur homeowners insurance costs

Sulphur homeowners may be eligible for a discount when they:

You can also lower your costs by raising your deductible. This can reduce your premium because you assume more of the risk, but you want to be certain that you can afford the deductible if you have a loss. For some, a high deductible means they can’t afford all the repairs their homes need. We offer the following AOP and hurricane deductibles:

  • $500
  • $1,000
  • $2,500
  • $5,000
  • $7,500
  • $10,000
  • Or 1%, 2%, 3%, 4%, 5%, or 10% of Coverage A

If you have any questions about getting insured in Sulphur or would like a quote, enter your address or call us at 855-717-0022.

*Kin is Kin Insurance Network Distributor, LLC, a licensed surplus lines producer.

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