The top-rated landlord insurance agent in New Orleans, Louisiana is FM Agency Group, rated 5.0 stars across 272 reviews. Other highly rated options include Freeway Insurance, Garcia Insurance Services, Brightway Insurance, The Ben Rodriguez Agency. This directory lists 15 landlord insurance agents serving New Orleans.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | FM Agency Group | 201 Evans Rd Ste 315 | (504) 348-3131 |
| 2 | Freeway Insurance | 3502 S Carrollton Ave Ste E | (504) 320-1487 |
| 3 | Garcia Insurance Services | 3815 MacArthur Blvd | (504) 875-4077 |
| 4 | Brightway Insurance, The Ben Rodriguez Agency | 7115 Dominican St | (504) 603-0900 |
| 5 | Brooks Insurance Services NOLA | 3910 General De Gaulle Dr | (504) 294-4759 |
| 6 | Brightway Insurance, The Combetta Agency | 201 St Charles Ave #2500 | (504) 393-2090 |
| 7 | Goosehead Insurance - Lee Miller | 1138 N Dupre St Suite 1 | (504) 910-6264 |
| 8 | State Farm: Luke Delouise | 110 Harrison Ave | (504) 486-7525 |
| 9 | Louisiana Underwriters, LLC | 4718 Paris Ave | (504) 326-6986 |
| 10 | Martin Insurance Agency, Inc | 4700 Orleans Ave | (504) 486-6133 |
FM Agency Group serves the New Orleans metro area as a landlord insurance agent. It helps property owners secure coverage for rental units, addressing risks specific to local buildings and weather conditions. Policies typically include protection for dwelling structures, liability claims, and loss of rental income when a unit becomes uninhabitable. The company also assists with screening coverage options for vacant properties and managing flood exposures common to the region.
Freeway Insurance provides landlord insurance in New Orleans, Louisiana, covering property owners against rental-specific risks. Agents can add policies for loss of rental income or vandalism protection as needed. Liability protection for tenant injuries is commonly included or available separately. The company can insure commercial sectors such as office buildings, warehouses, and food service properties like restaurants or cafes.
Garcia Insurance Services assists homeowners, business owners, and property managers in New Orleans with landlord insurance coverage. The company helps clients protect rental properties, whether single-family homes or multi-unit dwellings, from common risks like property damage and liability claims. By focusing on the specific needs of landlords in the area, the agency aims to provide clear guidance on policy options. It also serves property owners in the neighboring community of Metairie within the greater New Orleans metro area.
Brightway Insurance, The Ben Rodriguez Agency provides comprehensive landlord insurance coverage, including property, liability, and loss of rental income protection. Its service plans assist property owners in securing policies tailored to their investment portfolios. Available maintenance plans include streamlined claims reporting and policy management support. The agency services diverse property types such as single-family homes, multi-unit apartment buildings, local retail spaces, and casual restaurants in the New Orleans area.
Brooks Insurance Services NOLA serves New Orleans, Louisiana, and the surrounding communities, handling all aspects of landlord insurance for property owners in the area. The company focuses on providing coverage for rental properties, including protection for structures, liability, and loss of rental income. To manage a typical job, its agents begin by thoroughly reviewing a client’s specific property portfolio and risk factors, then customize a policy package that addresses the unique demands of local rental regulations and storm exposure.
Brightway Insurance, The Combetta Agency in New Orleans, LA provides landlord insurance both as a one-time policy for a single property and as recurring coverage for a growing portfolio of rentals. Their policies typically protect against property damage, liability claims, and loss of rental income. Coverage is available for single-family homes, duplexes, and small apartment buildings common to the area. Service runs on either a one-time basis for a single transaction or on a recurring, as-needed schedule for ongoing portfolio management.
Goosehead Insurance - Lee Miller specializes in landlord insurance policies designed to protect rental property owners in New Orleans, LA. This independent agency also assists clients with broader property insurance needs, such as coverage for vacant dwellings and multi-unit buildings. It helps landlords navigate risks unique to the local climate, including damage from hurricanes, flooding, and seasonal storms. Whether addressing sudden tenant liability claims or preparing for the annual hurricane season, its guidance focuses on securing appropriate coverage for both short-term and long-term rental investments.
As hurricane season nears the Louisiana coast, New Orleans property owners often need to reassess their rental property coverage. State Farm: Luke Delouise provides dedicated landlord insurance agent services to help landlords safeguard their investments from storm damage, liability issues, and tenant-related risks. The agency reviews each policy’s dwelling and loss-of-rent limits so owners understand current protection levels. They then begin with a thorough initial inspection or assessment of the property to identify specific coverage gaps before offering any recommendations.
Louisiana Underwriters, LLC serves as a landlord insurance agent in New Orleans. They focus on residential rental property coverage, including single-family homes and small apartment buildings. Commercial landlord policies are also available for larger multi-unit or mixed-use properties throughout the metro area. Their team helps property owners understand policy details and risk management for local rental properties. After an initial policy is secured, clients can return for adjustments or renewal discussions between regular inspection visits.
Martin Insurance Agency, Inc in New Orleans, Louisiana offers tailored protection for owners of residential rental properties throughout the metro area. The agency guides clients in selecting policies that cover rental homes, duplexes, and small apartment buildings against common local perils. Landlords rely on this firm for advice on liability coverage and protection against property damage from storms or tenant incidents. It can also provide vacant property endorsements for units between tenants.
What Does a a Landlord Insurance Agent in New Orleans Cost?
Typical costs for landlord insurance in Louisiana range from 25 to 50 percent more than standard homeowners insurance due to hurricane and flood risks. For a single-family rental in New Orleans expect an annual premium between 1,200 and 3,000 dollars depending on property value location and coverage limits. Higher deductibles can lower premiums but increase out-of-pocket costs after a claim. This is general information and not insurance advice.
About landlord insurance agents in New Orleans
Landlord insurance agents in New Orleans help property owners protect their rental investments from risks like hurricane damage and liability claims. Louisiana law does not require landlord insurance but mortgage lenders often mandate a dwelling policy. Agents familiar with local flood zones and the Louisiana Insurance Guaranty Association can guide you to appropriate coverage.
Frequently Asked Questions
What does a landlord insurance agent in New Orleans do?
A landlord insurance agent helps you find a policy that covers your rental property including dwelling protection liability and loss of rental income. They assess your specific risks like hurricane exposure in New Orleans and recommend coverage limits. They also explain Louisiana-specific policy exclusions such as flood and windstorm deductibles.
Is landlord insurance required by law in Louisiana?
Louisiana state law does not require landlord insurance but your mortgage lender will likely require a dwelling policy with certain coverage minimums. Additionally if you have a homeowners association or property management agreement they may impose their own insurance requirements. Always check your loan documents and local regulations.
How does Louisiana hurricane risk affect landlord insurance?
Louisiana is prone to hurricanes so landlord policies in New Orleans often have separate windstorm and hail deductibles usually 2 to 5 percent of the dwelling value. Flood damage is not covered by standard landlord insurance and requires a separate flood policy through the National Flood Insurance Program or a private carrier. Agents can help you understand these deductibles and recommend appropriate flood coverage.
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