Maison Insurance company received its Certificate of Authorization in November of 2012 from the Louisiana Department of Insurance, meaning it has only been around for a short while. However, it has made a lot of noise in its seven-year history. They are a wholly owned subsidiary of 1347 Property Insurance Holdings Inc., based in Baton Rouge, Louisiana. They began their homeowner’s, manufacturer’s home, and dwelling programs in 2013 and took part in the Louisiana Citizen Depopulation program in December 2012 and 2013, again in 2014 and 2015. This company assumed upwards of 10,000 policies. By December 2015, they were up and running full throttle in Texas, receiving their Certificate of Authorization in May of 2015. While in 2017, Maison expanded their services into Florida.

Maison shines with over four hundred representatives throughout Florida, Louisiana, and Texas. The experience their management teams bring to the table can’t be beaten, with their combined years averaging over 150 in the coastal state industry and claims. They are just large enough to provide their customers with financial security, stability, and protection. Still, they’re small enough that they’re able to give the personal touch when it comes to supporting the customer. They pride themselves on their approach to ensuring the customer has an individual, one-on-one, personal experience when dealing with their staff.

Consistency:

Maison ensures that customers are satisfied with how their plans don’t deviate from one renewal to the next, and the rates remain stable.

Lowest Rates In Florida:

Initial premiums to renew are often competitive, and clients will likely see savings. However, these are capped at 10% so that no customers will be subjected to rocky prices after an active storm season.

Ease of Use:

The clients and the agents have access to the accounts and the premium payments in a user-friendly platform. In addition, the customer support services are superior if there are any questions or concerns in dealing with the system.

24/7 Claims:

The claim service area is open 24/7 for any emergency that arises. They are seasoned professionals ready to handle the situation compassionately and immediately.

Demotech, Inc., a financial analysis firm that rates insurance agencies on their financial stability and has been doing so since 1985, rated Maison at an A, exceptional. That makes them stand out in the crowd as a safe, secure company to deal with.

Homeowners For Dwelling Fires:

Maison Insurance Company prides itself on sitting with its clients to analyze which specific homeowners plan will work better based on their needs. Then, they provide the client with the rates, terms, and programs and help them figure out the variables involved in their overall situation.

Homeowners Simplified:

•  It covers damage to the structure.
•  Covers deterioration of any other property structure, e.g., a shed or a garage.
•  Personal belongings.
• Coverage for valuables. (Within reasonable limits.)
• Temporary living expenses in case you need them if your home has been damaged.
• Personal liability if someone has been injured or their property has been damaged while on your property.

Owning A Second Home Or Renting Seasonal:

• It covers damage to a structure.
• It covers damage to another system on the property, e.g., a shed or a garage.
• Reimbursement for the rental expenses.
• The personal liability expenses in case someone is injured or their property has been damaged while on your property.

Manufactured Homes.

Maison Insurance Company holds various policies for manufactured homes set up expressly to meet particular needs. They will sit down and design a policy and a payment plan to fit the situation that you are in with your unique requirements.

• Owner-occupied primary residence.
• Not the primary residence. Use it intermittently or seasonally.
• Coverage for a manufactured home that the owner rents out.
• Coverage for someone who is renting a manufactured home.

Maison offers a wide variety of payment plans for each of these situations.

Wind and Hail Damage.

Maison will offer wind and hail coverage for homes from 75,000 to 750,000. Depending on the property value and where the property is, varying deductible options are offered, from $500 for wind (other than an actual storm) to a max of 5% deductible (for a named storm). The homes need to be well-maintained dwellings that display pride of ownership.

Florida Flood Insurance.

This insurance company offers flood coverage to its clients and highly recommends that they consider taking it out. They advise that floods are the number one natural disaster in the United States and that most homeowners are caught without a flood policy. Standard home policies won’t cover damages done by floods or rising water. An inch or two of moisture inside a home can cause extensive damage and be very expensive. All fifty states within the past five years have experienced some flash flooding or flooding. Each one. No one is immune to being in a flood zone. Everybody is within a flood zone. If you’re considered to be living in a high-risk flood area and have a federally backed mortgage, your lender requires you to have coverage.

Maison provided all that information to ensure folks understand that floods are not something to mess around with. Their damage is devastating. Many people believe that having homeowners insurance will take care of every kind of natural disaster, but it doesn’t do anything about this. Talking to a reputable carrier like Maison Insurance Company would be best. Let their experienced team explain precisely what your particular homeowner’s insurance will cover. You may be shocked and need to obtain supplemental policies to go hand-in-hand with your primary coverage, so you’re very prepared. A home is a considerable, costly asset to leave just partially insured. Let the experts help you get the right plans.