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The Stewart Agency
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Home Insurance

Looking to protect your property investment?

Louisiana home insurance coverage

Find an affordable insurance policy

Louisiana weather can be unpredictable. Hurricanes, severe thunderstorms, and hail events take a real toll on homes across the state. If a storm damages your home, you'll want to know your insurance is solid before you need it.

The Stewart Agency provides Allstate homeowners coverage to families across Baton Rouge and the Northshore. If a damaging event occurs, you can count on our team to be your single point of contact and make the claims process as easy and stress-free as possible.

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Home covered in every season

Make sure you're covered for every emergency

When the unexpected happens, you'll be prepared to deal with it. A homeowners policy from The Stewart Agency keeps you from losing everything when disaster strikes — and we'll talk through wind/hail deductibles and named-storm provisions so there are no surprises later.

  • Fire & Smoke Damage
  • Wind & Hurricane
  • Theft & Vandalism
  • Hail Storms
  • Liability Protection
  • Loss of Use
FAQ

Frequently Asked Questions

Does homeowners insurance cover flood damage?
No. Flood is specifically excluded from every standard homeowners policy. To be covered for flooding you need a separate flood policy, either through the National Flood Insurance Program (NFIP) or a private flood carrier. In Louisiana — where storm surge, tropical systems, and overwhelmed drainage are recurring threats — flood insurance is essential, even if you're outside a high-risk zone.
What about hurricane and named storm damage?
Wind damage from hurricanes is covered under standard Louisiana homeowners policies, but most policies have a separate named-storm or hurricane deductible — usually a percentage of your dwelling coverage rather than a flat amount. Storm surge and rising water from a hurricane are not covered by your homeowners policy and require flood insurance. We walk every client through both deductibles before binding the policy.
How much home insurance do I need?
Enough to fully rebuild your home at current Louisiana construction costs — not what you paid for it or what it's worth on the market. Construction costs have climbed sharply in recent years, and underinsured homes are one of the most common surprises after a loss. We review replacement cost annually to keep your coverage in step.
What's NOT covered by a standard home policy?
Flood, earthquake, routine wear and tear, pest damage, mold from long-term leaks, and business activity run out of the home are the most common exclusions. Some of these can be added with an endorsement or a separate policy.
How does the claims process work?
Call us first, before you call the carrier. We help document the damage, file the claim, and advocate for you if the carrier's initial offer doesn't match what you're owed. For most clients, having a local agent in the loop means faster, cleaner claims.
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