Cajun Underwriters Reciprocal Exchange

Dwelling insurance covers property structures and personal belongings but is less comprehensive than homeowners insurance. It applies to primary residences, rental properties, or vacation homes and protects against specific perils.

Equipment Breakdown coverage protects against repair or replacement costs from electrical, mechanical, or pressure system failures, now including off-premises property.

Building science research has identified the areas of a home most vulnerable during hurricanes. This page provides guidance for strengthening these areas, which will lead to reduced risk of damage and fewer repairs.

The page advises checking a property’s elevation and flood risk.

The use of an unlicensed contractor may yield the following problems:

The page outlines steps to protect a home and speed up the claims process after a loss.

Cajun Underwriters is an admitted property and casualty insurance reciprocal exchange based in Metairie, LA. We specialize in residential property insurance business in coastal areas. We are committed to providing superior customer service and specialize in hurricane-exposed properties. We provide quality, fair, and timely claims handling to our policyholder with as little inconvenience as possible. Our team has extensive experience helping recover after catastrophic events.

The SMS Terms define Cajun Underwriters and its subsidiaries as the provider of text message programs.

SafePoint Insurance Company secures $100 million in annual named storm protection through the Arthur Re Ltd. – Nature Coast Re 2026-3 catastrophe bond. The offering provides retro reinsurance to its captive reinsurer via an industry-loss index trigger. The insurer previously used catastrophe bonds for similar industry-loss warranty coverage.

Nov 2026Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management siteNews article

KBRA maintains its **BBB+ Insurance Financial Strength Rating (IFSR)** for **Safepoint Insurance Company (SPI)** and **BBB IFSRs** for **Manatee Insurance Exchange** and **Cajun Underwriters Reciprocal Exchange**. All rated entities retain a **Stable Outlook** under the updated assessment.

Jul 2026KBRANews article

Louisiana’s **Insure Louisiana Incentive Program** provides financial incentives to eight home insurers to expand coverage in underserved or high-risk areas. The state targets regions with limited insurance availability, though participating companies have previously faced criticism for inconsistent performance and claims handling.

May 2025Weiss RatingsNews article

Acrisure Re is partnering with six to eight carriers and managing general agents (MGAs) specializing in catastrophic risk, covering regions from the Carolinas to Texas. The company recently joined **Cajun Underwriters Reciprocal Exchange (CURE)**, a reciprocal insurance exchange focused on catastrophe risks. These strategic alignments aim to expand Acrisure Re’s footprint in high-risk markets.

Nov 2024theinsurer.comNews article