Homeowners Insurance

Protect Your Biggest Investment

Your home deserves more than a one-size-fits-all policy. We build coverage around your property's specific risks.

What's Covered

Dwelling Coverage

Covers the structure of your home against fire, wind, hail, lightning, and more. We make sure your limit reflects today's rebuild costs.

Personal Property

Covers your belongings — furniture, electronics, clothing — if damaged or stolen. Ask about scheduled coverage for high-value items.

Liability Protection

Covers you if someone is injured on your property or you accidentally damage someone else's property. Includes legal defense costs.

Loss of Use

Pays for temporary housing and living expenses if your home becomes uninhabitable after a covered loss.

Other Structures

Covers fences, sheds, detached garages, and other structures on your property.

Private Flood Insurance

Standard policies don't cover flooding. We offer private flood through Neptune — often better coverage than the NFIP at competitive rates.

Who It's For

Homeowners in Louisiana and Texas — including older homes, properties with prior claims, and hard-to-place risks through SageSure and other specialty carriers.

Why Harbor Point

Construction costs in Louisiana have risen significantly since 2020. If your policy hasn't been reviewed recently, you may be underinsured. We review your coverage and make sure your limits reflect what it actually costs to rebuild.

Get a Free Quote Today

We shop multiple carriers to find the best combination of coverage and price for your specific situation.

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