Home Insurance in Kenner, LA
Knowing your home's needs and comparing different options can make buying home insurance in Kenner easier.
Kenner is a suburb of New Orleans, Louisiana and is home to the international airport of the region, the Louis Armstrong International Airport. The city has 64,007 residents, making it the most populous city in Jefferson Parish. Home insurance in Kenner is a must considering the location of this city and the region's history of newsworthy weather.
Home values in Kenner sit at $196,300. and 59.7% of the city owns their own properties. The New Orleans and Kenner area is famous for Mardi Gras, jazz and delicious beignets. Unfortunately, this area has also made a name for itself after the devastation left behind by Hurricane Katrina and Hurricane Rita in 2005. The Kenner area's position straddling the Mississippi River and Lake Ponchatrain makes it especially vulnerable to hurricanes, river flooding and severe summer storms.
The other problem with living in a major metropolitan area is the potential for property crime. Property crime rates put people here at a 1 in 44 chance of experiencing a loss. This is much lower than downtown New Orleans but higher than the national average. Homeowners must invest in home security features and good home insurance to combat this.
To pay the most competitive rate for your home insurance in Kenner, you need to shop around for coverage using a tool like VIU by HUB. Additionally, consider the location of your home in this region. If you are located next to the lake or the river in a flood zone, you may pay a lot more. However, neighborhoods Kenner Project and University City in the middle of Kenner may also pay more due to higher crime statistics.
Average yearly rates to insure a $250,000 in Kenner are very expensive at $3,265. Other parts of Louisiana that are more inland may pay much less. Additionally, living outside of the state of Louisiana could also be more economical for home insurance coverage. To save on your Kenner home insurance, you must have a strong credit score and a well-constructed home with features that prevent wind or water damage.
Coverage for home insurance in Kenner usually starts with basic protection that includes three elements. Insurance agents and underwriters begin with dwelling coverage that activates when there is a fire, wind storm, hail or property crime occurrence. This coverage may pay for repairs or rebuilding if necessary.
Next, there is personal property coverage, which protects your items inside your home. Your electronics, appliances, clothes and other belongings kept in your house may be replaced or repaired due to specific perils outlined in your policy. Liability is another type of standard coverage that deals with injuries you or guests get on your property. The coverage could pay for medical costs or legal expenses related to an injury.
Standard home insurance in Kenner doesn't include coverage for some of the most devastating problems, flooding and storm surges. You'll need to buy a separate flood insurance policy to prepare for the inevitable in this town. Property crime statistics mean you may want to consider identity theft coverage as well. VIU by HUB can help you navigate insurance add-ons.
It's vital to have the right home insurance in Kenner so you don't encounter any catastrophic financial issues with your property down the road. Prepare for the unexpected by starting your insurance shopping journey at the VIU by HUB.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
