How Homeowner’s Insurance Protects You From Personal Injury Liability

Personal liability is a standard part of many homeowners insurance policies. It includes bodily injury and property damage for which you and others living in your house are responsible. Ask the experts at Insurance & Financial Services Inc. for more information on what’s included in your Baton Rouge, LA homeowners insurance. In the meantime, here’s more on how it protects you from personal liability.

What Is Personal Liability Insurance?

Personal liability insurance is available in most homeowners policies, and it covers the cost of lawsuits filed against you for accidentally injuring someone or damaging their property. It can be purchased in a stand-alone policy but is standard in homeowners, condo and renters insurance. Here’s a closer look at the two types of coverage.

Bodily Injury covers you when a mail carrier or contractor is injured on your property. The injured party may decide to sue you for medical bills and missed work. Thanks to personal liability insurance, you don’t have to pay any out-of-pocket expenses, even if you’re legally liable.

Property Damage covers you in cases such as a tree that falls over in a storm, damaging your neighbor’s roof. Homeowners insurance with property damage coverage pays for the damages.

Bodily injury may cover you for events outside your home. For example, your dog could get loose and bite someone. Your homeowner’s insurance with personal liability would cover medical and legal fees if the person bitten takes you to court. On the other hand, your personal liability coverage doesn’t cover you in a car accident.

Contact Insurance & Financial Services Inc. with any questions on what else may be covered by your homeowner’s policy. Feel free to make an appointment for a free quote for your Baton Rouge, LA home.


Some things that aren’t covered by your homeowners policy

Louisiana is a state where natural disasters are not uncommon. Residents of Baton Rouge, LA know that they need to take a good look at the coverage that is included with their homeowner’s policy and even more importantly, what isn’t covered. Insurance & Financial Services Inc. can help guide them and offer suggestions.


Flood is something that is of particular interest to people in low lying areas. Loss due to surface water, flooding from rivers, streams or the ocean and water that backs up through sewers or drains are not covered by homeowners insurance. Broken pipes may be covered as long as it is not determined that the cause was the result of negligence. National Flood insurance is available and should be purchased in addition to homeowners insurance to protect your home and property from damage.  


Earth movement is not covered by most homeowners insurance. What you may not realize is that a sinkhole is considered earth movement and is likely not covered under whatever homeowners policy you have. Sinkhole insurance is available if you want to protect your home.

Home sharing

With the rise of home sharing businesses like AirBNB it is important that any homeowner considering this option to check with their insurance company to find out if their property will be covered under their current policy. Damage and liability can both be issues.

Nuclear disaster and war

While both of these are likely to be rare occurrences, it is important to know that you will not have coverage from your homeowner’s policy.

If you live in the Baton Rouge, LA area you can confidently call on Insurance & Financial Services Inc. to help you to find the homeowner’s insurance policy that provides you with all the coverage that you need. They will also answer your questions about some things that are not covered.

Does Home Insurance Cover Wind Damage?

When a resident of the Baton Rouge, LA region is in search of the best home insurance coverage, one of the primary areas of discussion is wind damage. Can a policy that is purchased from the experienced agents at Insurance & Financial Services Inc. provide the necessary coverage in this regard?

While the majority of home insurance policies do offer some form of coverage for wind damages, there are certain restrictions that are going to apply. All of these policies are not created equally. Dwelling coverage and personal property coverage must be considered at this time.

These are the two main types of protection that will keep a Baton Rouge home safe from potential wind damages. Dwelling coverage is purchased by those who are looking to protect the exterior of the home. Personal property damage insurance is geared towards the replacement of the home’s contents if they are damaged by a wind storm.

Tornadoes and hurricanes are not always covered, though. Home insurance policy holders that wish to cover the cost of repairs when hurricanes and tornadoes take place will need to read over their policy closely. For example, a home insurance policy that covers wind damages may not cover any damages that are caused by exposure to floods. 

Even though wind storms and floods tend to go in hand in hand, this does not mean that the policy offers unilateral coverage. Policies that cover flood damages as well must be purchased separately in most instances. 

Coverage limits are another common area of consideration. How much coverage has been put into place and will it provide the required assistance for the damages? This is another question that has to be answered. 

Baton Rouge, LA residents who are looking to learn more about the ins and outs of their home insurance policy should take the time to contact Insurance & Financial Services Inc, so that consultation can be scheduled. 

Factors Affecting Your Home Owners Insurance

Have you ever compared notes with your neighbor and found out they paid less for the same thing you bought? It happens – grills, vehicles, or bikes for the kids. But, you can both save on your home owners insurance though by knowing what increases its costs.

Many of the items or amenities that add to your home’s value also add to its insurance, like a swimming pool. That doesn’t mean you shouldn’t have a pool. It does mean you should include protections that make it safer. It already costs enough to live in gorgeous Baton Rouge, LA. Read on to find out the things you can do to live more safely and reduce your costs in this blog from Insurance & Financial Services, Inc.

What Affects Home Insurance

Your home owners insurance protects your house and its contents, plus covers you for liability if someone gets injured on your property. Many factors affect how easy it is to obtain adequate coverage and low premiums.

Around your home, owning a pool, trampoline or other dangerous recreational equipment affects your costs. You can install a fence around your pool, spa, or trampoline to ensure no one can surprise you with an unplanned visit without your permission and supervision. You can also outfit your pool with safety devices, such as floatation devices, life jackets, and life preservers.

If your home needs remodeling, especially if it includes outdated wiring, which enhances fire hazards, your costs go up. You can remodel your home which improves its livability, your resale value, and lowers monthly premiums.

Personally, your credit score affects your costs. You or your spouse, or both of you, can take on a part-time job to earn extra income to pay down credit cards and loans. This improves your credit score which will get reflected in your insurance premiums.

Broadly, your neighborhood’s crime rate affects your home insurance. You might think there’s nothing you can do about this, but you can form a neighborhood watch. You can also work with local police to train and form and volunteer neighborhood patrol. Spotting and reporting crimes immediately result in quick arrests. A police crackdown on a neighborhood led internally by its residents results in a lower crime rate.

Finally, the amount of coverage and your deductible comprise two deciding factors in your costs. If you can afford a higher deductible, the portion you pay out of pocket if you need to make a claim, you can lower your premium costs. Adding riders or additional coverage for expensive jewelry or electronics will also result in a cost increase.

Call or visit Insurance & Financial Services, Inc. to find out more about home owners insurance and ways to live better for less in Baton Rouge, LA. We want to help you get the most out of your home and your home insurance.

Comprehensive Coverage for Your Baton Rouge Home

Louisiana residents are encouraged to look into comprehensive coverage in order to protect what is likely their largest asset, their home. Insurance & Financial Services, Inc. is here to help you navigate what can sometimes be a confusing process, and help you find the coverage that you need. If you currently have home insurance, it is always a smart idea to review your policies on a regular basis as your needs may have changed since the time that you reviewed the coverage. Our agents are more than happy to assist you in this review of your home insurance in the Metairie and Baton Rouge, LA areas.

A Standard Home Owner’s Policy May Not Provide Adequate Coverage for Your Needs

If you are preparing to purchase a home and are unsure what type of coverage best meets your needs, Insurance & Financial Services, Inc. can help. We will walk you through the features offered by various policies and help you to determine which might be the best for your situation. Many people, when shopping for home insurance, do not consider a personal articles rider for their more expensive items. If you own expensive art, jewelry, or electronic equipment, they may not be covered to their full value amount with your home owner’s policy. Many insurance policies impose limits on the maximum claim amount for a single item. A personal articles rider is just one example of the importance of comprehensive coverage for your Louisiana home.

The fully-trained and professional agents at Insurance & Financial Services, Inc. in Baton Rouge, LA can help you consider all angles of your home insurance needs and help you secure the comprehensive coverage that is appropriate for your situation. Please call or visit us today.

3 Home Insurance Myths to Beware of

Although home insurance has the propensity to provide invaluable coverage to your home, this can only happen if you purchase the proper policy with the correct amount of coverage. In other words, no two policies are created equal and signing up with your overzealous neighbor’s insurance company does not necessarily guarantee you equal coverage. That said, the following is an overview of 3 home insurance myths. 

Your Policy Covers Your Injuries on the Premises

While many seem to believe they will be covered if they become injured on their property, that couldn’t be further from the truth. While the injuries of guests are typically covered by your policy, if you or anyone who lives with you becomes injured on your property, you will have to use your health insurance or pay out of pocket. This problem is something to keep in mind for those who may not have suitable healthcare coverage. 

Everything in Your Home is Covered

While the following assumption can be correct, that all depends on the policy you choose. For instance, if you have things such as rare art or jewelry, your insurance company may place limits on how much you can claim. Be sure to clarify this before settling on a policy.

You Need Insurance to Purchase a Home

This one is a bit confusing. While it is true that you will need home insurance to avoid getting dropped by your mortgage lender, it is false that you must have this insurance by the time you purchase the home. Your mortgage lender will likely suggest a company, but it will be up to you to secure the policy before it becomes an issue.

As it pertains to the matter of home insurance, one notion rings true: buyers beware. For those who live in Baton Rouge, LA or the surrounding areas, let Insurance & Financial Services, Inc. serve you. A premier company in Baton Rouge, LA, Insurance & Financial Services, Inc. will help you create the perfect package for your insurance needs. Contact us today to find out how you can get excellent coverage and save!