Smart Coverage, Local Focus
Designed for life in Louisiana.
At Direct Source Insurance, we understand the real risks our neighbors face—from rising floodwaters to property damage. That’s why our offerings are designed to cover what matters most, with clear guidance and policies that work.
Homeowners Insurance
From historic homes to mobile homes, we’ll help you compare plans, understand coverage limits, and find protection that fits your property and budget.
Flood Insurance
We help clients navigate the National Flood Insurance Program (NFIP), compare flood insurance costs, and find the right protection—even for flood zones and at-risk areas.
Business Insurance
From storefronts to offices, we help business owners reduce downtime and protect what keeps them running. Your coverage is built to reflect your work and your risks.
Questions About Coverage?
Get answers built for Louisiana policyholders.
What does homeowners insurance in New Orleans typically cover?
Homeowners insurance in New Orleans usually covers your home’s structure, personal belongings, liability protection, and temporary living expenses if your home becomes uninhabitable. Policies may vary, but coverage typically includes damage from fire, theft, and windstorms. However, standard policies do not cover flooding—which is common in this region. That’s why pairing your home policy with a separate flood insurance plan is so important in Louisiana.
Is flood insurance required in Kenner, LA?
Flood insurance is required in many parts of Kenner, especially if your home or business is located in a high-risk flood zone. Lenders often mandate it as part of mortgage requirements in FEMA-designated floodplains. Even outside these zones, Kenner properties remain vulnerable due to heavy rain and rising water levels. We help you determine your risk and find affordable coverage that meets both personal and lender requirements.
Can I get a quote for home insurance near me in Metairie?
Absolutely. We provide online home insurance quotes for residents in Metairie and the surrounding areas. Our team will walk you through your options, compare rates from top carriers, and explain what each plan actually covers. Whether you’re buying a new property or reviewing your current policy, we make the process straightforward and pressure-free.
How much does flood insurance cost in New Orleans, LA?
Flood insurance costs in New Orleans vary based on factors like your property’s elevation, location in a flood zone, and the type of coverage selected. We’ll help you access rates through the National Flood Insurance Program (NFIP) and private carriers to compare options. Many of our clients are surprised by how affordable basic flood protection can be. Getting a custom quote is the best way to understand your actual cost.
What’s the difference between homeowners insurance and flood insurance in Louisiana?
Homeowners insurance typically protects against risks like fire, theft, wind, and liability—but it does not cover damage from rising water or flooding. In Louisiana, flood insurance is essential due to the state’s low-lying geography and frequent storms. Both policies work together to fully protect your property. We’ll explain how to layer them for complete peace of mind.
