Homeowners Insurance tailored to you.
A standard homeowners policy insures your home’s structure and your belongings in the event of a destructive event, such as a fire. Homeowners insurance policies typically come as “package policies,” meaning that the coverage includes not only damage to your property, but also your liability for any injuries and/or property damage to others caused by you or members of your family. All forms of home insurance provide additional living expenses (ALE) coverage for the extra costs of living away from home if it is uninhabitable due to damage from an insured disaster.
If you have a mortgage or financial lien on your home, most banks and financial institutions require a homeowners insurance policy to protect their interests.
HOMEOWNERS INSURANCE REVIEWS
For over 45 years, Dave Martin Insurance been protecting and insuring what’s most important to the residents and business owners of Slidell, Louisiana. Over that time, two generations of owners have insured that what is now Southern Ambit Insurance remains family owned and operated, just like so many of the great small businesses in the surrounding area.
Because of this, we’ve maintained a sterling reputation with our clients, as they rely upon us to help them protect their livelihood, property and investments.
Here is what our customers are saying:
The team at Southern Ambit Insurance are very responsible, professional, quick, and focused on getting you the best value for all your needs. I got a great deal on my homeowners insurance. We are very happy and highly recommend them to all!
Wow! Dave Martin just emailed me and asked to come over and show me a few things on my homeowners/flood/hazard policies from another company that were concerning him. He educated me on what I was being charged for and showed me how to lower my costs with another insurance company! Needless to say, with this type of outstanding customer service and attention to detail, I am planning to switch all of our policies, home and auto, to this dedicated [insurance] agent. I am confident with Dave Martin to watch over my policies, I truly am in good hands as the slogan goes.
I have been a 20+ year client of Dave Martin. Dave has helped our family with our auto, homeowners, flood, and recreational vehicle policies. We trust Dave to always give us great advice. He goes above and beyond whether we are purchasing new policies or when the unexpected happens and claims are filed. I highly recommend Dave for ALL of your insurance needs!
Why Choose Us?
Over our 45 years, so many of your neighbors have chosen to work with Dave Martin and his insurance agency for two key reasons. Of course, they appreciate the way in which we work diligently to deliver coverage to them that meets their specific needs at a rate that makes sense.
So, if you’re looking for an insurance firm that can help deliver affordable, comprehensive coverage that’s backed by sterling customer service, then Southern Ambit is the firm for you. Get in touch today to receive a customized quote for all your homeowner’s insurance needs!
Why do you Need Homeowners Insurance?
If your home was damaged, who would replace all of the possessions you have worked so hard to obtain? Most individuals are quick to think about family photos and other keepsakes, but what about practical items such as furniture, clothing, or even towels, pillows, and cookware? Replacing all of these necessary things can become expensive quickly. Homeowners and renters insurance can help keep expenses such as these from financially hurting you and your family down the road.
Homeowners Insurance Covers The Following:
A good Homeowner’s Insurance Policy covers your home and personal property against loss from covered perils. This coverage will pay to repair, rebuild, or replace your damaged or lost property. A Homeowners Insurance Policy also includes coverage for liability. This can occur when you are legally liable for the damage or injury to other parties.
Perils covered include but are not limited to:
- Vandalism or malicious mischief
- Damage from vehicles and aircraft
- Riot or civil commotion
- Glass breakage
Frequently Asked Questions About Homeowners Insurance
What are the benefits of homeowners insurance?
There are many expenses involved with a sudden and accidental loss to your home. While most smaller expenses can often be covered by savings, a homeowners insurance policy can offer peace of mind with the knowledge that you’ll have financial assistance for larger unexpected losses.
Homeowners insurance not only helps with financial loss to the structure itself, but it also helps with loss of your personal property, financial liabilities, and even additional expenses created by the initial cause of loss.
Why is it important to have homeowners insurance, and who benefits from it?
As a homeowner, your house is not only a home for you and your family, but also a financial investment. A homeowners insurance policy can give you peace of mind that your investment is financially protected in the event of an unexpected loss. Your bank or mortgage company may require you to carry a homeowners insurance policy much for the same reasons: to protect their financial interests in your house.
With most homeowner packages that offer many optional coverages, you can also protect losses due to identity theft, machinery or equipment breakdown, etc.
If you are a homeowner, then you will benefit most from homeowners insurance. A homeowners insurance policy protects the homeowner’s financial investment in the house, while offering additional coverage for other types of losses that could occur, for example covered liability losses or additional living expenses.
What does homeowners insurance policy cover?
Most homeowners package policies offer standard and additional optional coverages. A standard policy covers your structure and personal belongings from a sudden and accidental destructive loss. A package policy can add coverage for liability and the addition of optional coverages such as damaged personal property, identity theft, sewer backup coverage, etc.
There are many types of homeowners insurance policies available depending on your ownership type and personal needs. Discussing your needs and concerns with a professional insurance representative is the best way to be sure your coverage is right for you.
What are some other risks that might be covered by a homeowners insurance policy?
Homeowners insurance policies can cover other risks in addition to the structure of the home. Homeowners package policies can offer additional coverage for personal liability, medical expenses, additional living expenses, jewelry and precious items coverage, along with sewage backup and machinery and equipment coverage.
What isn’t covered by a typical homeowners insurance policy?
Although homeowners insurance provides coverage for many usual perils, there are a few instances that are not covered by a standard homeowners insurance policy. Some examples of loss not covered are earthquakes, floods, termite/rodent damage, nuclear hazards, and acts of terrorism. If preferred, some of these items may be covered under some separate specialty policies.
How can I save more money on homeowners insurance by working with Southern Ambit Insurance?
With SAI, we understand homeowners, and we want to understand your specific situation. We will review all your needs and concerns to guarantee you are only purchasing the coverage you need for the best price possible. Because we have access to multiple insurance carriers, we are able to shop your prices for you, saving you time and money. Bundling your home, cars, and other policies could also potentially offer additional discounts on your policies.
We’ll be sure to ask all the right questions to guarantee you’ll be receiving all possible discounts you may qualify for. Our team will collect all the information needed about you, your vehicles, and the specific coverage needed for your home. Then, we will shop multiple companies to compare quotes for you.
By working with Southern Ambit Insurance, you can rest assured knowing that all of your insurance needs and concerns are in good hands; our team will work diligently to make sure you are only purchasing the coverage you need for the best price possible.
How can we best serve you?
Don’t tackle all of your insurance needs alone; let’s partner together to find the best policy. Request a quote today!
Feeling overwhelmed by insurance? It’s time to simplify your life–you deserve it! Learn how Southern Ambit Insurance can make that happen.
Protect yourself and your family from the unexpected. Learn all the benefits of purchasing the right homeowners insurance policy.