Louisiana DP-3 landlord checks
- Tenant-occupied, vacant, seasonal, and short-term rental uses should be separated.
- Loss-of-rent or fair-rental-value wording should be visible on the quote.
- Named insured details matter if an LLC, trust, or partnership owns the property.
- In Louisiana, separate wind, named-storm, and flood questions before comparing the premium.
- Wind or hail wording in Louisiana can affect the deductible, roof settlement, and inspection follow-up.
DP-3 review questions
| Question | Why it matters |
|---|---|
| Is DP-3 the correct dwelling form? | Landlord risks are not the same as owner-occupied HO-3 risks. |
| What occupancy did the carrier rate? | Vacancy, renovation, and short-term rental use can change eligibility. |
| Is loss of rents included? | Rental income protection is easy to assume and easy to miss. |
| Which premises hazards need documentation? | Steps, railings, pools, sidewalks, and smoke alarms can affect underwriting. |
Practical note
A Louisiana landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.