Flood losses are not covered by your homeowners insurance policy. Floodwaters hold the power to damage your home, your sense of security and your financial future. Are you protected against this natural beast?
Contrary to what you may think, flood damage is not covered in homeowners’ policies. Especially in south Louisiana, we need to be aware of the ways we can protect our home and investment from floodwaters. Government assistance may only be offered if the President formally declares a disaster, and even then, the coverage will not be timely, full or guaranteed.
Get the timely response you need with guaranteed protection from a flood insurance policy. All covered claims are paid regardless of the scope of the disaster.
While Flood insurance is meant to cover your assets due to a natural disaster, other plans can also be considered for further protection. We also provide Homeowners, Personal Article, Dwelling Fire insurance coverages.
Flood insurance has two policy types, one being coverage for the loss or damage of your home up to $250,000. This policy covers the building but not any of your personal property inside your home.
The other policy type covers the loss or damage of your personal property up to $100,000. This policy can be combined with a building property policy so that your home and personal items are covered.
Our knowledgeable agents can walk you through the process of finding the right policy for you. He/she will go over these points and more to ensure you are equipped to make the right decision for your flood insurance policy.
Ask your agent to talk you through your property’s value so you can make an informed decision about coverage.
You may qualify for a range of discounts that your agent will help you uncover for increased savings.
Our agents will make sure you know who to call and what happens after you file the claim.