Auto, Home and Personal Property Insurance

At McInnis Insurance, we are here to help you with all of your personal insurance needs. We work closely with individuals and families, not only in the Shreveport, LA, area, but throughout the state of Louisiana. Our goal is to ensure that our valued clients are protected when unforeseen incidents take a toll on their property and assets.

Our personal insurance policies include everything you need for home, individual and family coverage needs, including:

 

  • Personal property insurance: Coverage for your belongings and valuable collections, including guns, collectibles and jewelry
  • Home insurance: Home owners and renters insurance, including liability coverage and property damage
  • Auto insurance: All the auto coverage you need, including bodily injury, property damage, comprehensive and collision
  • Motorcycle insurance: Coverage for your motorcycle, moped, motocross bike or dirt bike
  • Boat and RV insurance: Insurance for all of your outdoor toys and recreational vehicles including jet skis, boats and RVs
  • Flood insurance: Specialty coverage to ensure you are covered for flooding and water damage
  • Life and health insurance: The coverage you need to help maintain your family wellness and cover your loved ones if you are the primary provider for your household

 

A McInnis Insurance agent can assist you with any or all of these types of coverage, as well as multi-policy discounts whenever bundled policies are available. Call us at 318-377-1145 or request a quote today.

What Does Personal Property Insurance Cover?

Personal property insurance provides coverage for belongings, such as jewelry and clothing, against the risk of vandalism, theft, fire and most kinds of property damage. Flood damage is an exception, and must be covered under a separate policy.

If you are a home owner, your home policy includes some personal property coverage. However, it may not be enough to cover the replacement of your belongings in the event of a major loss. For those who rent, it is important to know that in order to have coverage for your personal property, you must obtain renters insurance. Your landlord’s policy will cover certain types of property damage, such as the building itself, but under most circumstances will not cover your belongings.

How Much Personal Property Insurance Do You Need?

The amount of insurance that is right for you depends upon the value of your personal inventory, whether you have special high-value collections such as guns, collectibles or expensive jewelry, and whether you want full replacement coverage or a more basic policy covering the actual cash value (depreciated value), of your property.

Many people are surprised to discover that the value of their belongings is much higher than they would have imagined, and that the cost to replace all of their items in the event of a burglary or fire is astronomical. It is well worth your time to take an inventory of your belongings and assess the replacement cost in order to begin thinking about how much personal property coverage you need.

A McInnis Insurance Agent Can Help

We can help you determine the types of coverage you need based on your circumstances, as well as the value of your property and other factors. During our consultations, many people ask us about the types of coverage that make sense, whether they need hurricane insurance, flood insurance, liability umbrellas and other coverage to protect them from financial difficulty in the event of an incident.

Our agents are trained to help you complete a full assessment of your insurance needs to ensure that there will not be coverage gaps in the event of a loss. We will help you determine if your current policies are adequate for your needs, look for auto-home packages, review flood coverage to determine if it is right for you, and answer all of your personal insurance questions.

Contact an agent today for assistance in the Shreveport, LA, area, or anywhere in the state of Louisiana. As we like to say, “Give us a call, and an opportunity to serve you!”