Covering Your Home and Everything Inside It.
A home is the center of daily life, and probably your most valuable asset. When your home is damaged or destroyed, you need your claim settled as quickly as possible, without all the red-tape. Americas can help you find the Louisiana home insurance that best meets your needs and provides the most valuable combination of coverage, customer service, and affordable pricing.
Whether you live in a house or duplex, the right home insurance policy provides you with peace of mind as well as the money you need to repair or replace your home and its contents.
We’re Here When You Need Us Most.
At Americas, we can cover loss or damage to your home and belongings due to:
Perils Insured Against
The following is a general description of the coverages provided by the individual Homeowners Policy Forms. The policy should be consulted for exact contract conditions.
Fire or Lightning
Windstorm or Hail
Weight of Ice, Snow, or Sleet
Riot or Civil Commotion
Accidental Discharge or Overflow of Water or Steam
Sudden and Accidental Tearing Apart, Cracking, Burning or Bulging
Sudden and Accidental Damage from Artificially Generated Electrical Current
Vandalism or Malicious Mischief
The Right Amount of Coverage Tailored for You.
Homeowners insurance policies differ by which losses are covered, which coverages you choose, and what type of residence you own. At Americas, we encourage you to build a policy that is best for you, whether it’s a comprehensive policy that covers losses for every situation, or a policy that covers only specified losses. Americas helps build your policy around your budget instead of selling you unnecessary add-ons that you’ll never need.
Filing a Claim.
We at Americas pride ourselves with prompt response to our insureds when they suffer a loss. You, as an insured with Americas, can expect to be contacted within 24 hours of your reported loss. Your property will be inspected by one of our competent claims companies within 72 hours. In a major catastrophe, these time promises sometimes can’t be kept due to several hundred claims, but we will give you our undivided attention once we meet with you and inspect your damages.
Any descriptions of products or coverages that appear on our website or social media pages are for informational and educational purposes only—they do not form part of your insurance policy. In order to obtain coverage, you must have an Americas Insurance agent complete an application for you. The application is subject to underwriting approval. For more information about our products, services, or coverage selections, please contact an Americas Insurance agent.