Homeowners Insurance

Struggling to Find Home Insurance in Northeast Louisiana? We are here for you!

We regularly assist homeowners who may be dealing with:

• Prior homeowners insurance claims or losses
• Credit challenges
• Older homes or unique construction features
• Roof age, wiring, plumbing, or system concerns
• Difficulty getting approved by other insurance agencies
• Coverage needs for rental, vacant, or secondary properties

Finding the right homeowners insurance in Monroe, LA is about more than just price, it’s about finding coverage that fits your home and your situation. At Galligan Insurance, we help homeowners across Monroe and Northeast Louisiana compare coverage options from multiple insurance carriers to find the right solution.

As an independent insurance agency, we offer both standard homeowners insurance and specialty homeowners insurance for homes that may not meet traditional insurance guidelines. Whether your home qualifies for preferred coverage or requires a more flexible approach, we work to find dependable protection that keeps your investment secure.

Homes and circumstances change over time. Our role is not to judge your property or insurance history, but to help you move forward with homeowners insurance that provides proper protection and peace of mind.

Because Galligan Insurance works with a wide range of homeowners insurance carriers, we can compare policies and tailor coverage for both traditional homes and specialty or hard-to-place risks. From primary residences to unique properties requiring specialized underwriting, we make the process straightforward, respectful, and efficient.

If you have been declined elsewhere or want a local Monroe insurance agency that takes the time to understand your home, Galligan Insurance is here to help.

Common Homeowners Insurance Coverages

These are some common coverages you typically see on a policy:

Dwelling — this is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Other Structures — this covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages. Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage.

Personal Property — this covers all of your personal belongings like clothing, furniture, electronics, and appliances. Basically anything that would fall out of your house if you turned it upside down and shook out the contents.

Loss of Use — this covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

Medical Expense —this covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.

Family/Personal Liability — Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued. In some situations, an Umbrella policy may be necessary to provide extra coverage.

Scheduled Personal Property — there are some situations where you might want special coverage for valuables, or collectibles like jewelry, guns, collectibles, rugs, etc..

How to get started with your homeowners quote:

Every home is unique, and therefore requires a carefully crafted policy. Head to our quotes page to enter some basic information to get started.