Louisiana HO8 Insurance

Louisiana HO-8 Insurance policy is designed for older homes in Louisiana. The Louisiana HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Louisiana are AllState and Auto Club and they operate in cities such as New Orleans, Shreveport, Lafayette or Baton Rouge.


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What Will HO8 Insurance Cover in Louisiana?

A standard home insurance policy in Louisiana whether you live in New Orleans, Baton Rouge or Shreveport will cover most damages to your LA home and your personal belongings from perils such as hail, smoke, windstorm damage from falling objects, riots, theft, trucks or vehicles.

What is Louisiana HO8 Insurance?

Homeowners insurance coverage that pays actual cash values or repairs in rebuilding cost and personal property. This type of policy is designed for older house or historical properties.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Louisiana. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Louisiana?

The policy will cover any home in the state Louisiana such as:
  • New Orleans, LA
  • Baton Rouge, LA
  • Shreveport, LA
  • Metairie, LA
  • Lafayette, LA
  • Lake Charles, LA
  • Monroe, LA
  • Alexandria, LA
  • New Orleans, LA
  • Slidell, LA
  • Bossier City, LA
  • Houma, LA
  • Kenner, LA
  • Hammond, LA
  • Leesville, LA
  • Covington, LA
  • Pineville, LA
  • New Iberia, LA
  • Gretna, LA
  • Denham Springs, LA