A home insurance policy provides a homeowner with financial protection for damage to or loss of their property and belongings. It also provides financial protection and legal defense to the owner of the home for actions or property conditions that result in injury to someone or damage to another person’s property. The exact terms of coverage depend upon the form of the homeowners policy you purchase, but most home insurance policies cover events like fire, hail, wind and windstorm. Home insurance also provides financial assistance if a homeowner must be temporarily displaced because their home has been damaged by an event covered by the policy.

Get a free Hurricane Preparation Checklist.

When you are shopping for home insurance, it is important to understand the policy options that are available. But figuring out what coverage you need while also finding a policy at an affordable price that fits those needs can be frustrating. Unless you are an insurance professional you shouldn’t try to figure out the maze of insurance terms and policy conditions by yourself. The homeowner's insurance experts at Champagne Insurance Agency are here to help you find your way through the different forms, coverages and prices to obtain the best coverage for your individual needs at a price you can afford. For a quick quote, you can contact our quote department directly at (877) 506-6761 or complete the Online Quote Request form and you will be contacted immediately. You can even buy your policy over the phone.

Below you’ll find links to all the essentials of home insurance. For first time buyers we’ll start with the basics. Questions like: Which policies are available to choose from? How much coverage do you actually need? How much can you actually afford? And for veteran homeowners we’ll offer insight on how to file claims, reconsider appraisals and lower annual premiums.

Need coverage for a new home purchase or a mortgage closing?

Tired of spending hours calling dozens of agencies for a better price?

With the constant threat of hurricanes, tornadoes, thunderstorms, and flooding in our area, tragedy can strike within hours or even minutes. If you need help with the high cost of insuring your home (and who doesn’t?), then look no further. With new markets and lower rates, Champagne Insurance is saving people hundreds, even thousands of dollars on their homeowner’s insurance. It doesn’t matter whether you already have homeowner’s insurance, or you are buying a new home, Champagne Insurance has high quality companies insuring homes in your area at super low rates. For a quick quote, you can contact our quote department directly at (877) 506-6761 or complete the Online Quote Request form and you will be contacted immediately.

Champagne Insurance offers huge discounts for:

● New Homes

● Modular

●Hip Roofs

●Security and/or Fire Alarms

●Previous Insurance

●Full Renovations

●And Package Discounts for Buying Your Home, Auto, and Flood Insurance from One Agent!

With newly acquired markets and lower rates, we are helping people save hundreds, even thousands, on their current homeowners insurance and on their newly purchased homes.

● We have high quality companies that are willing to write policies in our area at very reasonable rates.

●Discounts offered for new homes, modular homes, security and fire alarms, transfer discount and full renovation discounts.

●Packages combining auto, home and flood.

For a quick quote, you can contact our quote department directly at (877) 506-6761 or complete the Online Quote Request form and you will be contacted immediately.

● Yes, coverage is available for single homes, doubles, tri-plex, four-plex, townhouses, condominiums, row houses, mobile and modular homes.

● We also have insurance for rental property, apartments, vacant property, builders' risk and renovation.

Your home is the biggest investment you will ever make, and homeowner’s protection is the one coverage you cannot be without.

● Could you afford to rebuild your home?

●Would you be able to replace all your possessions if they were lost?

●Where would your family stay during the rebuilding process?

●How would you pay for your extra living expenses?

Our homeowner’s coverage provides enhancements like Contents Replacement Cost Coverage which pays the full, un-depreciated cost of replacing or repairing lost or damaged property. Additional Living Expenses will pay for necessities such as hotel accommodations, meals and laundry if your home is damaged and you must move out while repairs are being made. Replacement Cost Guarantee: At no additional charge, most of our homeowner’s policies include coverage for the full cost of repairs with no deduction for age or depreciation of your home. Liability Protection pays for damages and legal expenses for which you or a member of your household are liable if you injure someone or damage his property. Liability as well as Medical Expenses are paid to someone injured on your property or elsewhere.

Whether you are a new home buyer or if you’ve owned your home for several years, we will assist you in determining your replacement cost, which may be quite different from the price you paid for your home. We will use some of the following information to determine current value:

1.Replacement costs estimators supplied by carrier we are quoting.

2.Current or most recent appraisal.

3.Square footage vs. purchase price vs. mortgage lender’s requirement. These numbers may differ.

4.Current policy limits on existing policy.

5.Number of rooms, number of stories.

6.Type of construction and customization.

Our homeowner’s specialist will assist you in getting your policy and binders ready for the act of sale. It is imperative that you have the proper requirements set forth by your mortgage company and closing attorney for both your home and your flood insurance or your closing can be postponed.

For a quick quote, you can contact our quote department directly at (877) 506-6761 or complete the Online Quote Request form and you will be contacted immediately.

●NO… Homeowner’s Insurance does not cover floods. Flood Insurance is written as a separate coverage.

● No matter where or in which zone you live, high risk or low risk areas, we are all aware now that everyone is exposed to flooding, storm surges, torrential rains, pump station problems or breakdowns, levee breaches and backed up sewerage systems that cause massive amounts of spontaneous flooding on a regular and seasonal basis. When it comes to buying flood insurance, FEAR is your best motivation.

Having your homeowner’s and flood with one agent is important. Why? Because it makes it easier for you and your agent to maintain coverage requirements that match the replacement value of your home each year. Having two different agents maintain these policies puts the homeowner at risk and if a claim takes place after a hurricane, it’s easier to reach one agent who can handle one claim for you, than trying to locate several agents who may be displaced like you are. We provide claim assistance through a call at (877) 506-6761.

●Contents are covered on and off premises so if you are out of town on vacation or on a business trip, your personal belongings, if lost, stolen or destroyed, such as cameras, video recorders, luggage or laptop are included under extended coverage up to 10% of total content.

● Content Extended Coverage also includes a family member who may be residing off premises with a home computer and other personal belongings at the college dormitory.

● Premises Guest Liability will protect you from lawsuits for slips or falls that are caused by your negligence. This liability also extents coverage off premises to include all household members if they cause an accidental injury to anyone. Example: Your son is on the softball team. While at the playground, he throws the bat, accidentally hitting another player – your $100,000 or $300,000 liability limit will protect you.

●$1,000 or more (see availability) of medical coverage is provided for any guest that is accidentally injured on the premises. A cut, burn, or fall anywhere on the premises is covered for a guest or visitor. More accidents occur at home than anywhere else. Accidents will happen.

●Other Structures includes any adjacent structure or detached structure, including storage buildings, garages or workshops, that has a slab and a skeletal frame.

●Additional Living Expenses is covered if your home or apartment is made uninhabitable by any covered peril. Also pays for increase in your living expenses while you are displaced due to mandatory evacuation.

●Other special limits of liability include: $1,500 for loss due to theft of jewelry, watches, furs, precious stones and another $1,500 towards loss of securities, deeds, accounts, evidence of debt, letters of credit, and other important papers and the cost to replace them.

●Policy also includes automatic coverage on firearms, watercraft, trailers, fishing equipment, outboard engines, monies, bank notes, bullion and coins.

For a quick quote, you can contact our quote department directly at (877) 506-6761 or complete the Online Quote Request form and you will be contacted immediately.

Keep good records of all your personal belongings with any or all of the following:

● photos or video tapes

● owner’s manuals

●sales and credit card receipts

●cancelled checks

In anticipation of a total loss, you should keep additional records off site.

Good records will speed up your claim settlement.

1.Discounts available on package auto/home/flood.

2.Mortgage Life – low-cost coverage that makes it very affordable to pay off your mortgage in the event of death, disability, unemployment or critical illness.

3.Personal Umbrella for up to $5,000,000.

4.Personal Disaster Policy.

5.Boat, RV, and Motorcycle Discounts.

6.In-Home Business Protection.

1.Alarm System Certificate if you received discount.

2.Proof of gated community with security (picture).

3.Pictures of front and back of dwelling.

4.Proof of prior coverage, if applicable.

5.Current Appraisal.

6.Lien Holder Requirements and Mortgage Clause.

7.Exact closing date for binder to start.