FAQs
  • Does Homeowner’s Insurance cover damage from flooding due to hurricanes?
  • What is Personal Umbrella coverage?
  • What is Uninsured Motorist coverage?
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    Q: Does Homeowner’s Insurance cover damage from flooding due to hurricanes?
    A: The short answer is no. Homeowner’s insurance typically does not include damage caused by flooding, so it is vital, especially in Louisiana, to purchase flood insurance before you need it. Flood insurance must be in effect for 30 days prior to the damage being covered by insurance. Click here to request more information and to have one of our experienced agents contact you regarding protecting your home from flood damage.
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    Q: What is Personal Umbrella coverage?
    A: Umbrella insurance protects a named individual’s personal assets and future income. This is additional protection over your primary insurance policy. It provides broad coverage beyond traditional automobile and home insurance. Click here to have one of our agents contact you today and providing this additional coverage today.
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    Q: What is Uninsured Motorist coverage?
    A: You can be the most responsible driver in the world and have your very own auto insurance coverage plan but there are an untold number of drivers out there on the city streets and freeways who drive without any insurance and have no concern for what might happen after an accident. What happens if you get hit by a car owner without any car insurance?
     
    This is where uninsured motorist coverage comes into play. It is estimated that in some states up to 25% of drivers don’t have any form of auto insurance, which is a staggering figure when you think about it. That’s 1 in every 4 cars around you as you trudge along during your morning commute. And if these people are irresponsible enough not to insure their cars, how responsible do you think their driving habits are going to be when they are out on the roads?
    Uninsured motorist insurance coverage can pay for damage to your car, medical expenses for you and your passengers and in some cases to your property in the car if you are hit by someone who is at fault in the accident. This additional auto insurance is highly recommended by most industry experts as it seems the number of uninsured motorists is growing due to the state of the national economy.
     
    When you can barely pay your bills for housing and food it is easy to look at car insurance as an expendable monthly expense. Now, you may know that isn’t a wise but that doesn’t mean the person in that car in the lane next to you feels the same way. We have all heard about hit and run drivers and usually these people do so because they are uninsured. Such an incident would be covered for you if you have uninsured motorist coverage.

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