Maison Insurance Review & Ratings (2022)

Maison Insurance sells homeowners insurance in Louisiana. The company offers coverage for standard houses, manufactured homes, and rental properties, as well as additional add-ons to increase your protection. However, Maison Insurance reviews do not speak well of the company. Most customer reviews cite an unwillingness to pay claims and slow response times. Positive reviewers enjoy the affordability and excellent customer service.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 28, 2022

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The Rundown

  • Maison provides homeowners insurance to residents of Lousiana and covers single-family houses, duplexes, manufactured and mobile homes, and rental properties
  • Additional coverage you can purchase includes wind and hail coverage and flood insurance
  • Maison’s website is somewhat vague about policy specifics and prices
  • Despite an A+ rating from the Better Business Bureau, Maison received bad customer reviews citing long response times and refusal to pay claims

Maison Insurance is a newer addition to the Lousiana home insurance market. Founded in 2012, the Maison Insurance Company provides homeowners insurance only in Louisiana.

Maison Insurance understands the importance of exceptional service for Louisianans and the needs of residents of a coastal state. They strive to offer smart solutions for modern problems and financial security for their policyholders.

However, the real measure of a company isn’t in the services they list on their website. You should see Maison Insurance reviews before you decide if this company is right for you.

Read on to learn more before you buy Maison insurance. Enter your ZIP code into our free tool to see free homeowners insurance from top companies.

What is Maison Insurance?

Maison’s main product is homeowners insurance. Keeping in mind that your home is one of the biggest investments of your life, Maison builds policies to protect your property.

A Maison homeowners policy covers single-family, townhouse, and duplex homes. Your policy covers:

  • Damage to the physical structure of your home
  • Damage to other free-standing structures, like garages or fences
  • Your belongings, like appliances, furniture, and clothes
  • Valuables, up to certain limits
  • Temporary living arrangements if your home becomes unlivable
  • Liability, in case an injured guest sues you

While this plan is for homeowners who live at their properties, you can also buy a policy if you rent your house out. The Dwelling policy is crafted specifically for renters and includes:

  • Damage to the physical structure of your home
  • Damage to other free-standing structures, like garages or fences
  • Rental expense reimbursement
  • Liability, in case an injured guest decides to sue you

Maison isn’t forthcoming about the process of crafting a policy, how much insurance costs, and any other add-ons or extra features you can purchase. If you’re interested in Maison homeowners insurance, you’ll need to speak with an agent.

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Other Types of Insurance Maison Offers

Unlike some companies that want to offer as many types of insurance as possible, Maison mainly focuses on homeowners.

That being said, they do branch off into specific types of home insurance to meet the unique needs of every homeowner.

Manufactured Home Insurance

Manufactured homes require most of the same insurance as standard houses, but they have their own needs as well. Whether your home is on private land or in a park, a full-time residence or a temporary home, Maison has you covered.

  • The manufactured home program is specially crafted for people who live full-time in a manufactured or mobile home.
  • A seasonal/secondary manufactured home program is ideal for people that occasionally use a manufactured home, but their primary residence is elsewhere.
  • The rental program protects your property if you rent your manufactured home out.
  • On the other side, the tenant program acts as renters insurance for manufactured home renters.

Maison once again recommends contacting an agent to see how much a manufactured home plan would cost.

Wind and Hail Coverage

Louisiana is frequently at the mercy of tropical storms, and that weather can do a number on your home.

Wind and hail insurance covers your home and possessions when that type of weather directly damages them. Only “well-maintained” single-family or duplex homes are eligible for this extra coverage. You also have to have a homeowners or Dwelling policy.

You can choose coverage starting at $75,000. There is a coverage cap of $750,000. Since some of Louisiana is more prone to bad weather than other parts, this coverage comes with a deductible based on your location.

Flood Insurance

With climate change driving floods with higher frequency and weirder patterns, every homeowner should at least consider flood insurance.

Floods are the most common natural disaster, and flash floods happen in all 50 states. Most standard homeowner policies don’t come with flood coverage, leaving you with tens of thousands of dollars worth of damage to pay for by yourself.

Maison flood insurance takes 30 days to become effective, so the sooner you buy it, the better.

Flood insurance is critical in Louisiana, where hurricanes and other tropical storms often bring floods.

How do you file a claim with Maison?

The best way to file a claim with Maison is to either call their customer service line or log in online. However, some reviews state that anything other than directly speaking with someone often leads nowhere. If you have a serious claim, you might want to use the phone.

Maison recommends you keep a record of possessions you want to be protected by your insurance policy. They suggest creating a video archive for each room or taking photos.

If that’s impossible, a list works as well, especially if you have receipts for your purchases. Ideally, you should keep this information away from your home if your property is damaged.

If your home is damaged and you want to replace your belongings quickly, having an inventory of your possessions will make the process much smoother.

Maison Insurance Reviews

As a fairly new company, Maison doesn’t have a lot of reviews out there yet. While they aren’t accredited, the Better Business Bureau gives Maison an A+ rating.

However, that’s where the good news ends. Maison has a lot of angry customers leaving negative reviews.

The list of complaints against Maison Insurance claims is long:

  • Customers have been overcharged, promised they would get their money back, then wait over eight weeks without seeing a check.
  • Many people have to wait ridiculous lengths of time before they see any of their benefits paid to them. This includes incidents where a house burned down and several problems with roof damage.
  • Owners of homes that were damaged in recent hurricanes have spent weeks waiting to hear anything about their coverage.
  • In general, there are a lot of unhappy Maison customers.

The few positive reviews are from newer customers happy with how affordable Maison insurance is. They say the Maison Insurance customer service is top-notch.

While information about Maison is scarce online, you can find information about customers taking the company to court.

Maison Insurance Company of Baton Rouge

While Maison Insurance presents itself as a company that understands the needs of its customers, dozens of terrible reviews state otherwise. Maison is still a new company, so it might work out the kinks and get into the service they want to provide.

Hopefully, you have learned what you need to know about Maison Insurance. If you want to see what homeowners quotes from top companies might look like for you, enter your ZIP code into our free tool.

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