Maison Insurance Review & Ratings (2024)

What You Should Know About Maison Insurance

Welcome to our comprehensive guide on Maison Insurance, where we provide valuable insights and information to help you navigate the world of insurance with confidence. We cover a range of key topics related to Maison Insurance, including policy options, coverage types, claims processes, and more.

Whether you’re in need of auto insurance, home insurance, renters insurance, or other coverage, our guide offers in-depth knowledge to assist you in making informed decisions. 

• 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

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Maison Insurance Coverage Options

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.

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.

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Maison Insurance Rates Breakdown

Understanding the cost of insurance is a crucial step in making informed decisions about protecting your home and valuables. Maison Insurance, specializing in homeowners insurance, aims to provide comprehensive coverage tailored to individual needs. However, navigating the specifics of Maison’s pricing can be challenging due to limited information on their website.

Maison Insurance is somewhat vague about policy specifics and prices on their website. The lack of transparency makes it essential for potential policyholders to engage directly with an agent to get accurate and personalized pricing information.

Factors influencing the cost may include the type of coverage, the value of the insured property, additional coverage options like wind and hail or flood insurance, and the policyholder’s location.

While Maison Insurance emphasizes protecting your property with tailored policies, the absence of clear pricing details online may require interested individuals to initiate direct communication with the company. Speaking with an agent can provide a better understanding of the costs associated with Maison Insurance, ensuring that you make well-informed decisions aligned with your insurance needs and budget.

Maison Insurance Discounts Available

As you explore Maison Insurance for your homeowners coverage, understanding the available discounts can significantly impact your overall insurance costs. Maison offers a range of discounts to help policyholders save on their premiums. Let’s delve into the various discounts provided by Maison Insurance and how they can contribute to more affordable coverage.

• Multi-Policy Discount: This discount is applicable when you bundle multiple insurance policies with Maison. Combining your homeowners insurance with another policy, such as auto insurance, could lead to substantial savings.
• Claims-Free Discount: Policyholders who maintain a claims-free record with Maison may be eligible for a claims-free discount. This incentive rewards customers who have not filed any claims within a specified period, promoting responsible and cautious homeownership.
• Protective Devices Discount: Installing safety features and protective devices in your home can earn you a discount with Maison. This may include systems such as burglar alarms, fire alarms, or other security measures that enhance the safety of your property.
• Home Renovation Discount: If you’ve recently renovated your home, Maison may offer a discount. Upgrades to essential components, such as the roof or electrical systems, can reduce the risk of damage and result in potential savings on your insurance premiums.
• New Homebuyer Discount: Maison may provide discounts to new homebuyers. Purchasing a new home often comes with updated features and construction, which can be considered less risky, leading to potential discounts on your homeowners insurance.

Exploring and leveraging Maison Insurance discounts can be a strategic way to make your homeowners insurance more cost-effective. Whether through bundling policies, maintaining a claims-free record, or investing in protective measures for your home, these discounts reflect Maison’s commitment to rewarding responsible homeownership while providing financial incentives for policyholders.

How Maison Insurance Ranks Among Providers

Maison Insurance offers homeowners insurance primarily in Louisiana, focusing on single-family homes, duplexes, manufactured and mobile homes, and rental properties. While Maison has its strengths, including coverage for wind and hail, flood insurance, and various policy options, it’s essential to consider competitors in the insurance market. Here are some main competitors of Maison Insurance:

• State Farm Insurance: State Farm is a well-established insurance company known for its diverse coverage options. They provide homeowners insurance, auto insurance, and more. State Farm is recognized for its extensive network of agents and a range of policy options tailored to individual needs. Customer reviews often highlight State Farm’s responsive claims process and a wide array of discounts.
• Allstate Insurance: Allstate is another major player in the insurance industry, offering homeowners insurance with various coverage options. Their policies often include features like dwelling coverage, personal property protection, and liability coverage.
• Progressive Insurance: Progressive is known for its innovation in the insurance industry, providing not only homeowners insurance but also auto, renters, and other types of coverage. Progressive stands out with its online comparison tools, helping customers easily compare quotes from multiple insurers. They are often chosen for their competitive rates and accessible digital platforms.
• USAA (United Services Automobile Association):  USAA is renowned for providing insurance services to military members and their families. While eligibility is restricted to those with military connections, USAA is recognized for its exceptional customer service, comprehensive coverage options, and competitive rates.
• Liberty Mutual Insurance: Liberty Mutual is a global insurance company offering a range of insurance products, including homeowners insurance. They are known for customizable coverage options, extensive discounts, and a straightforward claims process. Liberty Mutual’s commitment to customer satisfaction and various policy features make them a notable competitor.

When considering insurance providers, it’s crucial to evaluate factors such as coverage options, customer service, claims processing, and overall customer satisfaction. Each competitor has its unique strengths and may appeal to different preferences and needs. Conducting a thorough comparison can help individuals make informed decisions based on their specific requirements.

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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