Home Insurance Lake Charles

Need Quotes for Home Insurance in Lake Charles Louisiana?

Contact Jeff Davis Insurance at 337-824-4455 or visit the Jeff Davis Insurance Website for more details and information when searching for better priced options for home insurance in Lake Charles Louisiana.

Choose Your Coverage Wisely!

What do you like the most about your home – the bright, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms? Or is it the fact that your home probably makes up maybe the biggest part – of your total net worth?

Either way, its a good idea to protect what you value most with the best Lake Charles Home Insurance Options.

Buy The Right Amount of Lake Charles Home Insurance Coverage.

Insuring your home for replacement cost rather than actual cash value is a good idea. Why? If your belongings are destroyed, do you want the insurance company to send you enough to buy a new couch – or do you want a $50 check for the actual value of your 11-year-old couch?

Make sure you are covered for at least 80 percent of the cost of replacing your home. If you’re not, it could hurt you even if your home does not need to be completely replaced.

For a second lets assume that your home would cost $200,000 to replace and you’re insured for only $100,000 which is half of the replacement cost. If you have a $10,000 loss, there is a good chance that you are going to pay a significant portion of the claim out of pocket due to the 80% rule.

Most companies require you to insure your home to 80% of the replacement cost of the home. Falling below this number will guarantee you will pay quite a bit out of pocket!

Of course, knowing how much it would cost to replace your home is not always easy. For example, I know how much I paid for my home, and how much I could probably sell it for, but I don’t have a clue how much it would cost to rebuild if it burned down.

We can help you find the right amount of coverage to buy.

Contact Jeff Davis Insurance Today for the Best Lake Charles Homeowners Insurance Options!

Call or click Home Insurance Lake Charles. It’s the best decision you could ever make!