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Most home insurance policies include standard coverage types to help you protect your home, your belongings and your family. These types of standard coverage usually include:
  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additional protection
    Standard homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased costs of living like hotel stays in the event your home is uninhabitable after a covered loss.
Enjoy More Coverage Options With House & Home.
With a House & Home policy, you can choose from many types of optional coverage to help protect what matters most to you. Some coverage options available to you could include data recovery, identity theft restoration and protection for valuable items like camera equipment. Talk to an agent to understand all the optional coverage available to you in Louisiana.
You Can Count On Your Local Louisiana Agent.
In addition to dependable home insurance coverage, you’ll have the support of a Triple H Protection Group agent who understands the needs of homeowners in the Pelican State. Your Louisiana home insurance agent can:
 
  • Help you understand the home insurance claims process
  • Answer your questions about the home insurance coverage on your policy
  • Show you where to find tools & resources for maintenance and safety tips
Louisiana Home Insurance Discounts.
There are many ways to save on home insurance in Louisiana. You can choose from a range of discounts to help you lower your home insurance premium. Your agent can help you understand which Louisiana home insurance discounts you qualify for.
Learn more about THPG home insurance discounts.

Simplify And Save With Multi-Policy Discounts.
When you have more than one insurance policy through THPG, you can easily manage all your policies in one place. Additionally, multiple insurance policies help you save money on your monthly premium. Check out the discounts you can get for bundling:
 
  • Auto and home policies
    When you have both auto and home insurance through THPG, you can save up to 25% off your auto premiums and up to 35% off your home premiums. If you're a condo owner or a renter, you can save, too. Talk to an agent to find out about all your multi-policy discount options.
  • Auto/Life DiscountSM
    When you purchase an THPG life insurance policy, you'll not only be protecting your family, but you'll also be saving money.Talk to an agent about the discount you'll receive for adding this type of insurance.
Insuring many facets of your life with THPG helps you protect what matters most. We're committed to providing you with tools & resources to help you live a happier life. Enjoy a wealth of information on topics like understanding insurance and car maintenance tips. You always have access to this helpful information so you can take advantage of it when it's convenient for you.

Learn About Standard Home Insurance Coverage.
Taking the time to understand what types of homeowners insurance coverage are included in your policy can help you understand what it protects. Most THPG home insurance policies include standard coverage, like:
 
  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.
  • Additonal protection
    Standard THPG homeowners policies include additional protection. One example of this is reimbursed living expenses coverage, which can help cover increased living costs like hotel stays in the event your home is uninhabitable after a covered loss.

More Coverage Offers More Protection.
You can choose from many different optional coverage types that can help protect your home, your belongings and your family beyond the standard home insurance coverage types. An example of an optional coverage you could choose is identity restoration coverage, which can offer added protection in the event your identity is stolen.
You can add optional coverage to you homeowners policy, but you can also purchase separate insurance policies that offer more protection. Flood protection is not included in most home insurance policies, so to get it, you'll likely need to purchase flood insurance. You can also get liability protection beyond your current home and auto policy limits with personal umbrella insurance.
The homeowners insurance coverage and policies you choose will depend on the type of protection you want. Find an agent to discuss your options and understand what your insurance can cover.

Common And Costly Claims In Your Area
When you're selecting the coverage you want on your homeowners policy, it can be helpful to know what common claims homeowners near you have filed. Understanding what those claims are can help you see what types of risks your home might be susceptible to, so you can consider adding coverage to your policy that can help protect against those risks.

Add Extra Home Policy Features For Extra Benefits.

When you purchase a homeowners insurance policy with THPG, you'll automatically get exceptional features like quality protection and the support of a knowledgeable agent. But you can also enhance your homeowners policy with features that may help you save money on your premium and earn rewards.

Claim RateGuard® Can Help Protect Your Rate.
Accidents happen. That's why you have home insurance. When you add the Claim RateGuard feature to your policy, your home insurance premium won't go up just because you file a claim. Find your local agent to learn more about Claim RateGuard and discuss adding it to your homeowners policy.

Save With Claim-Free Rewards.
If you haven't had to make a home insurance claim, you could get a discount and earn bonus savings. If you switch to THPG without a claim on your record, you'll earn a discount on your premium. And if you add Claim-Free Bonus to your home policy, you could get bonus savings every year you don't make a claim. Talk to an agent to switch to THPG and learn more about Claim-Free Rewards.

Maximize Savings Without Minimizing Protection.

Not only is quality home insurance protection from THPG more affordable than you might think, there are also many home insurance discounts available to help you save even more. Your local agent can help you start saving on home insurance with discounts like:
 
  • Multi-policy discount
    When you have two or more THPG insurance policies, you can save big. Insuring your home and car together could help you save up to 30%.
  • Easy pay plan®
    Save up to 5% when you set up automatic payments from your checking or savings account.
  • Claim-free discount
    Get up to a 20% discount when you switch to THPG without a home insurance claim.
  • Early signing discount
    When you sign up for a new policy before your current one expires, you could save up to 10% on your home insurance premium.
  • Home buyer discount
    If you purchase a newly constructed home, you could save up to 10%. Recent homebuyers may also qualify, so be sure to talk to your agent about the discounts available to you.
  • Safe home discount
    Save up to 15% when your home has additional protection against fire and theft, like a home security system.
  • Welcome discount
    New customers can get up to 10% off their home insurance premium the first two years they’re insured.
  • 55 and retired discount
    Over the age of 55 and retired? You could save up to 10% on home insurance.
There are also home insurance discounts for smoke-free homes, homes with storm shutters, homes with hail-resistant roofs and more.

Quality Coverage For Your Mobile Home.

You can help protect your mobile or manufactured home, your belongings and your family with . The coverage for mobile and manufactured homes is similar to a homeowners insurance policy, but there are some differences. You can talk to an THPG agent who can help you understand what a mobile home insurance policy can protect.
Learn About Standard Mobile Home Coverage Types.
When you're thinking about purchasing insurance for your mobile or manufactured home, it's helpful to understand what your policy protects. Most THPG mobile home insurance policies include standard coverage types, such as:
 
  • Dwelling (home structure)
    This type of insurance is what can help protect the physical structure of your home, like the walls and the roof.
  • Other structures
    This type of insurance can help protect the physical structure of buildings on your property that are separate from your home, such as a shed or a stand-alone garage.
  • Personal property
    Personal property coverage can help protect the belongings inside your home, which can include belongings like furniture, bicycles, stereos and more. If these belongings are stolen or damaged outside of your home, personal property coverage could also help you replace them.
  • Liability protection
    Liability insurance can help protect you if someone makes a claim against you or sues you for damages after being injured on your property.
  • Guest medical protection
    This type of coverage can help cover the cost of medical expenses for a person who's injured on your property.

Optional Coverage For Your Mobile Home.
You can choose to add optional coverage to your mobile or manufactured home insurance policy. Optional THPG coverage for mobile homes includes:
 
  • Personal property reimbursement provision
    Typically covers your belongings for the amount it would take to replace them at the time of the claim.
  • Fire department coverage
    Helps cover charges made by fire departments called to protect your property from a loss covered by your policy.
  • Extended coverage on jewelry, watches and furs
    Increases coverage limits for jewelry, watches and furs.
  • Business pursuits
    Extends coverage for specified business pursuits of an insured person—e.g., classroom teachers and clerical office employees.
  • Satellite dish antennas personal property protection
    Helps pay for sudden and accidental direct physical loss to satellite dish antennas and their systems.
  • Trip collision coverage
    Insures your home as it is being transported from the factory to your location.
  • Vendor's single interest coverage
    Protects against collision during transportation and various types of fraud, including a lienholder's right to repossess the manufactured home.
  • Mine subsidence insurance
    Covers the movement or collapse of land caused by manmade underground mines. This may be a mandatory coverage in some counties.
  • Identity restoration coverage
    Coverage that can help in the event your identity is stolen.
In addition to optional coverage you can add to your mobile home insurance, there are also other policies you might consider purchasing, like flood insurance and personal umbrella insurance . To discuss your options and understand what your insurance can cover, find an agent .

Get Dependable Coverage And Discounts.

Save on mobile or manufactured home insurance with discounts from THPG. There are many ways you can save on your already affordable monthly premium with discounts like:
 
  • Original owner discount
    If you're the original titleholder of your mobile or manufactured home, you could save up to 5% a year.
  • Multi-policy discount
    Save up to 15% when you insure more than just your mobile home with THPG.
  • Protective device discount
    Installing protective devices, like a home security system, in your manufactured home can help you save up to 15%.
  • 50 and retired discount
    If you're over the age of 55 and retired, you could save up to 10%.

What's Different About Flood Insurance.

Did you know most property insurance doesn't cover flooding? The federal government runs the National Flood Insurance Program (NFIP), which issues flood insurance policies. Even if you have homeowners, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to be protected from flood damage. Get a flood insurance quote from THPG today!
Learn more about flood coverage options.

The Benefits Of Flood Insurance.
Though the government determines flood insurance coverage and premiums, you can still purchase your flood policy through THPG—even if you don't have an existing property policy with us. So why choose THPG for flood insurance? Because it gives you access to invaluable features and benefits, like:
 
  • 24/7 nationwide claims support and assistance
  • A dedicated agent who can help you understand your flood coverage
  • Assistance finding discounts to help you maximize your savings

Fast Facts About Claims And Coverage.
Understanding your flood risk and what flood insurance typically protects can help you choose coverage that meets your needs. Here are some facts you should know:
 
  • The average flood loss is $38,0002.
  • Nearly 25 percent of all flood insurance claims come from areas not considered high risk.
  • There is a waiting period before your flood insurance policy goes into effect, typically 30 days from the application and premium payment date.
  • If flood insurance is required for your mortgage loan, you may not have to wait 30 days. Usually, the loan closing date will be the effective date.
  • Flood insurance can help protect you even if a federal disaster isn't declared.
  • Less than 50 percent of all flooding incidents are awarded a Federal Disaster Assistance declaration4, and most disaster assistance is provided in the form of a loan that must be repaid with interest.

Protect Against Other Types Of Water Damage.
Most flood insurance policies and basic property insurance policies do not cover water backup damage. This type of damage is typically caused by water that overflows from a sump pump or backs up through sewers or drains.
Talk to an THPG agent about the benefits of adding water backup coverage to your property policy.

Featured Tools From FloodSmart.gov.

What Is Personal Umbrella Insurance?
Personal umbrella insurance can help protect your assets when the liability coverage on your property or auto policy is maxed out. Simply put, it's extra liability protection for unexpected events.

How Personal Umbrella Insurance Works.
Let's say a guest is injured in your home, apartment, condo or mobile home. And that guest sues you for a $1 million dollars because the accident happened on your property. It's likely your property insurance includes some liability coverage to help protect you in an event like this. However, that liability coverage has a maximum limit, and you may owe more than that. If you had personal umbrella insurance, it could help cover you beyond your other policies' limits.

Why Would You Want Personal Umbrella Insurance?
Personal umbrella insurance isn't just for wealthy people. If you're sued, all of your assets could be at risk, such as your retirement accounts, your children's college fund and any real estate assets you have. Purchasing personal umbrella insurance can help protect those assets if you're found liable in an accident.

Understanding Personal Umbrella Insurance Details.
Typically, THPG offers personal umbrella insurance limits between $1 million and $5 million. Your policy could also help cover you in the following situations:
 
  • If you're sued over an incident covered by your personal umbrella insurance, THPG may retain and pay for your attorney.
  • You're protected even when you're out of the country.
  • You could be covered for any wages lost due to a court appearance, up to the limits specified in your policy.

Enjoy Peace Of Mind With Identity Coverage.

The threat of identity theft and fraud is real, and it can happen to anyone. In fact, about 8.6 million households in the United States reported an identity theft-related incident in 201011. You can help protect yourself and your family with identity restoration coverage. It's an affordable coverage you can easily add to your existing homeowners policy, or other property policy.
THPG's identity restoration coverage provides both restorative and preventive services. You'll have unlimited access to fraud specialists from Identity Theft 911®, who can handle everything from proactive fraud alerts to inquiries from creditors.

Get Help Restoring Your Stolen Identity.
If you or your spouse is a victim of identity theft, a fraud specialist will handle the hard work of restoring your identity and helping you get back to normal. Adding identity restoration coverage can cover up to $25,000 of expenses you may have after having your identity stolen. Common expenses include attorney fees or lost wages. Talk to an THPG agent about how identity restoration coverage can help you.

Protection Before It Happens.
With identity restoration coverage, you and all the members of your household can access Identity Theft 911's suite of identity management services. Highly trained and certified fraud specialists can move quickly to safeguard your identity and lock out thieves when a possible compromise occurs. You can also get assistance with:
 
  • Changing your name after marriage and notifying creditors
  • Handling divorce-related fraud issues
  • Avoiding tax-related fraud issues and dealing with the IRS
  • Safeguarding your identity while you're on active military duty
  • Recovering lost identification and credit cards while you’re traveling
  • Ensuring your sensitive information moves safely with you if you relocate
  • Placing a fraud alert to help keep your personal information from being stolen after a break-in
  • Recovering any lost, stolen or destroyed information after a natural disaster
  • Protecting a deceased person's personal and financial information by systematically notifying credit issuers and securing death certificates
Find an agent to add identity theft restoration coverage to your property policy.
Information from the Bureau of Justice Statistics report Identity Theft Reported by Households 2005-2010 (2011). https://www.ncjrs.gov/spotlight/identity_theft/facts.html
Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

Easily File And Track Home Insurance Claims.

If you have to file a home insurance claim, THPG is ready to help you. With one of the largest teams of claims professionals in the country, your claim can be resolved quickly and efficiently. You can file and track a claim 24/7 with any of the following options:
 
  • Call 1-800-THPG (1-800-255-7828) to file and track a home insurance claim over the phone.
  • Use the THPG Mobile App to start your homeowners claim.
  • Log in to My Account to file and track your home insurance claim online.
  • Locate your agent's office to file and track a homeowners claim in person.

Your Agent Can Help.
Even though you'll interact with the claims team, your agent can answer questions you have about the claims process. Before you file a homeowners insurance claim, your agent can help explain all the different coverage on your policy and help you understand what's protected.

Have Questions? We Have Answers.
Unless you're in the insurance business, you probably have a few questions about the home insurance claims process. THPG's knowledgeable insurance professionals have put together answers to common queries.

Your THPG Agent Will Make You Feel At Home.

As an THPG policyholder, you not only get quality home insurance coverage you can count on, but you also get support from a knowledgeable insurance agent. Your agent is dedicated to you and ready to help answer your questions about protecting your home.
Building a relationship with your agent means there's someone looking out for you. Your agent can come to understand your life and needs and help you adjust your home insurance coverage as your needs change. Working with an THPG agent will also give you advantages, like:
 
  • Explaining your coverage
    Your agent can help explain your coverage options and how they relate to your life, answering your questions along the way.
  • Finding discounts
    Your agent can help you take advantage of discounts, so you can save on your home insurance premium.
  • Learning about preventative care
    Helpful maintenance tips and safety information is available in THPG's wide range of home tools & resources.
  • Understanding the claims process
    If you have to file a home insurance claim, your agent can help you understand what to expect.

See How An Agent Can Help Protect Your Place.
Your local THPG agent can answer your questions about home insurance coverage and help you understand all the ways you can protect your home with insurance. Explore the videos below to see how agents are helping people like you all across America. Then, find your local agent to learn more about THPG home insurance coverage and the other insurance policies available to help protect your home from natural disasters.
 
 

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