Homeowners Insurance in Opelousas, Louisiana

Located in the charming town of Opelousas, Louisiana, DJW Insurance Agency is a trusted name for homeowners seeking reliable and personalized insurance solutions. Known for its rich Creole heritage, lively Zydeco music, and warm Southern hospitality, Opelousas is a community where tradition and progress come together. DJW Insurance Agency takes pride in protecting the homes that form the heart of this vibrant town, offering customized coverage designed to meet the unique needs of local residents. Whether exploring historic landmarks or enjoying the flavors of a local festival, our team is dedicated to delivering exceptional service and peace of mind to homeowners in Opelousas and the surrounding areas.

Why Do You Need Homeowners Insurance?

Homeowners insurance is incredibly important. It can protect your home, belongings and ensure you have the means to move, should something happen to your original house. Mortgage lenders also typically require you to carry, at minimum, liability insurance. Homeowners insurance generally provides coverage for:

• General Liability: This protects you and your family in the event one of you causes bodily injury or property damage to someone else. This can even extend off the property.
• Property Damage: This protects the physical structure of the home as well as its attached structures, such as an attached garage. Some policies also cover detached structures, such as sheds. This coverage does not include flood or earthquake coverage. It does provide coverage against fire, hail, smoke, lightning and wind.
• Personal Belongings: Personal belongings coverage helps pay for items lost or damaged due to a covered incident. These are the same incidents covered under property damage. This coverage also excludes flood and earthquake damage.
• Additional Living Expenses: Known as ALE, this coverage provides monetary assistance if you must temporarily move elsewhere while the home is being rebuilt or repaired.

You can extend your policy with extra coverage and save money by bundling. Ask a DJW Insurance agent about discounts you may be eligible for. You can also save money by adding safety aspects to your home, such as fire alarms and burglar alarms.

Get Insured Today

DJW Insurance Agency wants clients to feel safe in their home. Know you're covered in case of a disaster by calling us today at (337) 364-7614 or filling out an online quote form to get started. You can also stop by one of our offices.