Lotus Packages
Lilypad Insurance is excited to introduce new product packages and updates effective October 3, 2024, to our Homeowners (HO) and Dwelling Property (DP) products.
Take the highlights with you.
Download BrochureThe Lotus Packages
Curated coverage, ready to endorse
Each Lotus package bundles commonly endorsed coverages for Louisiana policies — so the protections homeowners ask for most are built right in.
Lotus Package
A number of commonly endorsed coverages for Louisiana policies, in one bundle.
Home Systems Protection
$50,000Equipment breakdown on systems under 15 years; $1,500 for older systems. $500 deductible.
Service Line Coverage
$10,000Homes under 50 years; $2,500 for homes 50 years and older. $500 deductible.
Home Cyber Protection
$25,000Coverage for Cyber Attack, Cyber Extortion, and Online Fraud.
Additional Coverages
Personal Property Replacement Cost, Additional Coverage A (homes under 50 years), Water Backup, Personal Injury, Loss Assessment, and others.
Home Systems, Service Line & Cyber coverages provided by Hartford Steam Boiler (HSB).
Lotus Plus Package
Everything in the Lotus Package, with enhanced limits and added protections.
Includes all Lotus Package coverages
Home Systems Protection
$100,000Increased equipment breakdown coverage limit.
Expanded Home Cyber Protection
Adds Data Breach, Cyberbullying, and Social Media Income Interruption.
Ordinance or Law
75% Cov. CCoverage C limit included.
Higher limits throughout
Several additional limit increases compared to the Lotus Package.
Lotus Package
Most of the same coverages as the Lotus Package for Homeowners, with a few changes.
DP-Specific Inclusions
Ordinance or Law
30% Cov. D/ELimited Theft
Not Included In This Package
Personal Injury
Additional Coverage A
Home Cyber Protection
All other Lotus Homeowners coverages carry over to this package.