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Insurance - Home in Baton Rouge, LA
A J McLin Insurance Agency Insurance - Baton Rouge, LA - Phone: (225) 928-7344
Allstate Insurance - Ella B. McCrary - Baton Rouge, LA - Phone: (225) 751-6792
Allstate Insurance - Ron Desormeaux - Baton Rouge, LA - Phone: (225) 751-7077
Allstate Insurance Companies - Sales Offices- Port Allen - Baton Rouge, LA - Phone: (225) 344-2816
Fourrier Andre Insurance - Baton Rouge, LA - Phone: (225) 383-0682
Hibernia Insurance Agency Llc - Baton Rouge, LA - Phone: (504) 926-7712
Ict Group Llc - Baton Rouge, LA - Phone: (504) 927-7575
Insurance Network of Louisiana - Baton Rouge, LA - Phone: (225) 201-0997
Intergroup Insurance Company - Baton Rouge, LA - Phone: (225) 275-9411
John Hendry Insurance Agency - Baton Rouge, LA - Phone: (225) 334-0094
Louisiana Gulf Insurance Agency Inc - Baton Rouge, LA - Phone: (225) 272-4004
McLin A J Lutcf Insurance - Baton Rouge, LA - Phone: (225) 928-5243
Smith Johanna L Insurance - Baton Rouge, LA - Phone: (225) 388-0037
State Farm Bank - Baton Rouge, LA - Phone: (225) 766-7085
The Louisiana Insurance Center - Baton Rouge, LA - Phone: (225) 292-7680
Valentine Carolyn Insurance - Baton Rouge, LA - Phone: (225) 383-4761
Helpful Definition for: Insurance - Home
Home insurance, in Baton Rouge, is a property insurance, which combines a number of personal insurance protections to liability insurance for accidents & covers private homes. This multiple-line insurance means that a single indivisible premium is paid for all risks.
The home insurance policy is a term-contract that remains effective for a fixed period of time. The insured person has to pay premiums to the insurer each term. If the risk of damage or destruction to the home is less, then the insurers generally charge low premium.
At present, the International Organization for Standardization has seven standard home insurance plans:
HO1 – Basic Form Homeowner Policy provides coverage against fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability. Exceptions include floods, earthquakes.
HO2 – Broad Form Homeowner Policy provides coverage against all the enlisted causes of damage mentioned in HO1 as well as loss incurred due to smoke, vehicle, water or glass breakage.
HO3 – Special Form Homeowner Policy provides coverage against all risks mentioned in HO1 & HO2 except earthquake & flood.
HO4 – Renter's Insurance provides coverage against all the perils mentioned in HO2 or HO3.
HO5 - Premier Homeowner Policy, HO6 – Condominium Policy & HO8 – Older Houses Policy are the less popular plans.
