Most Louisiana homeowners have never read past page one of their policy. Here is the plain-English version.\n\n## Dwelling (Coverage A)\nThe house itself — walls, roof, built-ins. Should be set to rebuild cost, not market value.\n\n## Other Structures (Coverage B)\nDetached garage, fence, shed. Usually 10% of Coverage A.\n\n## Personal Property (Coverage C)\nYour stuff — furniture, clothing, electronics. Replacement cost coverage is worth the small upcharge.\n\n## Loss of Use (Coverage D)\nPays for hotel and meals if a covered loss makes your home unlivable — critical after Louisiana storms.\n\n## Liability (Coverage E)\nProtects you if someone is injured on your property.
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What Your Louisiana Homeowners Policy Actually Covers
The dec page is short. The actual coverage is bigger. Here is what each section means.
6 min read