Shoppers stock up on gifts during Black Friday last year at a Target store in Burbank, Calif. NEW YORK â Target Corp. is the latest retailer to open earlier on Thanksgiving this year.
The 5 Best Louisiana Homeowners Insurance Companies. At $1,822 per year, Louisiana has the third-highest home insurance premiums in the nation, well above the national average of $1,096. And that doesnât include costs for flood insurance â most homeowners insurance policies donât cover flooding â which may now be a necessity for many residents.
Home Insurance Policies. Homeowners insurance is designed to protect your home from what are called âperils.â A peril is your exposure to risk or something that causes loss or destruction. As a homeowner, you can typically purchase three different types of home insurance policies. They are: Homeowners 1 (HO1): With this policy, your property is covered against 11 basic perils. Homeowners 2 (HO2): This policy protects your property against 18 perils (including 11 perils from Homeowners 1).