• Crowley Louisiana Home Insurance

    Crowley Louisiana Home Insurance – Huge Discounts Now Available!

    Crowley Louisiana Home InsuranceLet’s face the facts: The rates on Homeowners Insurance in Louisiana are sky high! If you own a home we can help you find great rates on Car and Home Insurance in Crowley Louisiana and all of the nearby areas.

    Call 337-514-2153 to speak with Hearod-Lyons Insurance Group, a leading Crowley Louisiana Independent Agency.  We will help you find the coverage you need.

    If you find us after normal business hours use our convenient online rate quote system available 7 days per week by clicking on any of the links below:

    Crowley Louisiana Home Insurance — One Size Does Not Fit All. 

    Despite cute insurance commercials on TV that try to teach you otherwise — It’s not really as easy as you might imagine to compare the insurance coverage you need by the price you pay.

    Insurance policies are not necessarily all identical, what is covered by one company may be excluded by another. In addition you may need to add endorsements to increase base coverage so you do not experience a gap in your insurance protection.

    For example, did you know that in the event your Jewelry is stolen or lost because of a covered claim only a limited amount of coverage is available to cover your loss — Typically only $1,000 – $1,500.

    Who pays the difference on your wife’s $5,000 ring that was stolen when you do not add the optional inland marine endorsement?

    Unfortunately, you will.

    Finally, you need to deal with Exclusions of Coverage — some claim events are just not covered by insurance.  Let’s now consider Part 4 of Exclusions of Coverage.

    Home Insurance Policy Exclusions of Coverage – Get Ready to Pay That Claim Out of Pocket! 

    In review, Exclusions of Coverage are specific claim events listed in the policy that disallows coverage for that specific claim event.

    In other words if  damage occurs to your property or you are found liable for some type of action and that claim event is listed as a prohibited act, you will be paying that claim 100% out of pocket no matter if it is small or large.

    Any good agent worth their salt will advise you as the policyholder to read, ask questions, and receive clarification if you are uncertain something would not be covered by your insurance policy.

    To blindly assume coverage applies no matter what happens is a fool’s run that will burn you financially to be sure.

    At Hearod-Lyons Insurance, we recommend that all of our existing and future clients read their insurance policy thoroughly.

    That is the most reliable way to be certain that you know what is and, more importantly, what isn’t covered under your current insurance protection.

    Let’s jump back into our claims scenario that shows the importance of knowing your exclusions of coverage. 

    Home Insurance Crowley Louisiana – Claims Scenario Part 4.

    You may recall that Wally Whiz ran “Whizbangs by Wally,” a one-man business creating and selling fireworks out of his home garage.

    Last time, Wally was forced to duck for cover as his stock of fireworks caught fire and exploded.

    His garage was utterly destroyed and his house set ablaze. Plus, his neighbor Ellie’s home catches on fire as well.

    Wally dials 9-1-1, and within minutes the local fire department is on the scene. The garage disintegrated in that massive explosion, and it doesn’t look like the house can be saved either.

    Also, the local police chief – a personal friend of Wally – suggests he hire a criminal lawyer as he could be facing federal charges, but out of friendship doesn’t immediately arrest Wally.

    Yikes, what else could go wrong?

    Wally calls his insurance agent to let them know he needs to file a claim. In our next article we will learn if Wally will be facing two things:

    • Criminal charges
    • Claim denial from his insurance company

    Crowley Louisiana Home Insurance – It’s Complicated, Would You Not Agree? 

    Don’t buy your insurance from the B team — Get it from the A Team — Hearod-Lyons Insurance Group.

    If you are looking for Car or Home insurance in Crowley Louisiana and the surrounding areas call us today by dialing 337-514-2153 MondayFriday between the hours of 8:00 am and 4:30 pm.

    If you find our website after hours use our convenient online rate quote system by clicking any of the links below:

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    Landlord Insurance Rayne

    Posted on December 6, 2016 by WIN Admin

    Landlord Insurance Rayne – Great Rates Can Be Found Here! If you own any type of investment properties in Louisiana including single-family residential units or apartment buildings and you’re looking for superior rates and coverage on Landlord Insurance in Rayne Louisiana or the surrounding areas make sure to reach out to the Landlord Specialist at […]

    Landlord Insurance Kaplan Louisiana

    Posted on November 28, 2016 by WIN Admin

    Landlord Insurance Kaplan Louisiana – Great Coverage is Available! Do you own single-family homes or apartment buildings for rent in Kaplan Louisiana or the surrounding areas? Are you looking for Landlord Insurance in Kaplan Louisiana? Call Hearod-Lyons Insurance Group at 800-228-8291 for the top rates, friendly service, and sound advice. Whether you rent out apartment complexes […]

    Automobile Insurance Rayne Louisiana

    Posted on November 22, 2016 by WIN Admin

    Automobile Insurance Rayne Louisiana – Same Day Coverage!  If you are searching for Homeowners or Automobile Insurance in Rayne Louisiana or the nearby areas you have found the right company!  The Hearod-Lyons Insurance Group is a leading independent agency offering highly competitive rates on personal and commercial insurance in Louisiana and we offer same-day coverage.  […]

    Automobile Insurance Kaplan Louisiana

    Posted on November 16, 2016 by WIN Admin

    Automobile Insurance Kaplan Louisiana – Better Coverage Awaits! Do you want better coverage, service, and pricing on Automobile Insurance in Kaplan Louisiana compared to what you have currently? If so then why not speak to the agents of Hearod-Lyons Insurance Group? Call us right now at 337-514-2153 and one of our friendly agents will be happy […]

    The Hearod-Lyons Coverage Checklist

    Posted on November 11, 2016 by WIN Admin

    What Is the Hearod-Lyons Coverage Checklist and How Can It Help You to Find Hidden Gaps in Your Insurance Protection? I would like to share with you an important service we offer to our policyholders that can help you discover the hidden gaps in your insurance protection.  The first step necessary to discover potential gaps in […]