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With just under 16,000 residents, Thibodaux may not be a bustling metropolis, but it’s certainly a lively place to set down roots. The town has plenty of historic sites, fun family festivals, and a thriving downtown full of shops and restaurants. Between these treasures and the natural beauty of the area, Thibodaux has something for everyone.
But homeowners know that for all of its charm, the area also poses some risks. Thibodaux’s proximity to the Gulf Coast means residents often find themselves in the path of major storms, and that makes Louisiana homeowners insurance an absolute necessity. Without it, homeowners could be stuck paying for catastrophic losses all on their own.
Let’s take a look at what home insurance is, how much it costs, and how Kin* may be able to help you find affordable homeowners insurance in Thibodaux, LA.
Thibodaux home insurance is financial protection against several types of major losses that homeowners sometimes face. If your home is damaged by a covered peril, then your home insurance can get you back on your feet quickly by helping to cover costs.
Most policies purchased through Kin offer six coverage types:
Hurricane insurance is included when you get a policy through us. It covers wind damage and has a separate hurricane insurance deductible. Flood damage, however, is usually not covered. For that, you need flood insurance.
The Pelican State is an expensive place to buy home insurance. The average Louisiana homeowner pays over $2,000 annually. Chances are that Thibodaux’s location means homeowners don’t get much of a break on their premiums.
Location is just one of several factors that impact home insurance costs in Thibodaux. Others include things like your home’s:
The premiums on the policies you can get through Kin are based on these and other key insurance data. As a result, they’re more accurate for the specific risks your home faces. That can mean savings for you.
Want to see how much you might save? Give us a call at 855-717-0022 or enter your address now.
Homeowners who work with us have earned discounts when they:
Besides discounts, you can also save by increasing your deductible. This is the amount you’re responsible for if you file a claim, and opting for a higher deductible usually lowers your premium. Just remember, you want to choose a deductible you can comfortably pay even during a catastrophe.
Policies through Kin have the following standard and hurricane deductible options:
Hurricanes are a risk for Thibodaux homeowners, as evidenced by the city-wide damage experienced from Hurricane Ida. Most of the residents evacuated during the storm, which destroyed homes and left people without power for days.
While Ida didn’t bring floodwaters, Hurricane Ike left more than 350 properties damaged by flood and storm surge. Thibodeaux’s flood map doesn’t show many high-risk flood zones, but you definitely want to find out if you’re in a Special Flood Hazard Zone (SFHA). Homeowners in an SFHA usually have to get flood insurance if they want a federally backed mortgage.
If you have any questions about getting insured in Thibodaux or would like a quote, enter your address or call us at 855-717-0022.
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