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Soto Insurance Agency

19317 N 10th St Suite B
Covington, LA 70433

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Rising Waters, Rising Concers: Why You Need Flood Insurance in Louisiana

Louisiana is in a geographical location that makes it naturally prone to flooding. Intense storms, rising sea levels, and unpredictable weather patterns can lead to devastating flooding. When floodwaters rise, it can automatically lead to rising concerns about flooding, property damage, and costly water damage. 

Why You Need Flood Insurance in Louisiana

Protect your Louisiana home from the devastating and costly effects of flooding caused by severe thunderstorms, heavy rainfall, and hurricanes with flood insurance. Flood insurance is a special kind of insurance designed to protect against financial damages caused by flooding. It acts as a vital safety net to provide financial relief to flood insurance policyholders in the wake of a disaster. 

Homeowners vs. Flood Insurance

Many Louisiana homeowners make the mistake of believing their home insurance policies automatically cover flooding. Not all homeowners insurance policies will cover flood-related damages, so protecting your home and family with the best flood insurance is vital. A licensed insurance agent at Soto Insurance Agency in Covington, LA can talk to you about the best options for coverage. 

What Does Flood Insurance Typically Cover?

Building Coverage: Flood insurance can cover the cost of repair or replacement of the physical structures of homes and businesses. 

Personal Property Coverage: A Louisiana flood insurance policy can help cover the costs of repairing or replacing your personal belongings, electronics, clothing, valuables, and furniture. 

Debris Removal: Some insurance policies help cover the cost of debris removal caused by floods. 

Living Expenses: A flood insurance policy can help cover your family’s living expenses when you’re temporarily displaced by floods. 

Get Flood Insurance Today

Don’t wait until it’s too late and your most prized possessions are underwater. Get a flood insurance quote from the experts at Soto Insurance Agency in Covington, LA! 

Required Commercial Insurance in Louisiana

When you own a business in Louisiana, there are a number of commercial insurance policies that you may need to keep it protected. There are some that may be required for your business. You need to know what these policies are so that you can stay compliant. To keep your business both protected and compliant, you can come to us for your commercial insurance needs. Just call us at Soto Insurance Agency in Covington, LA.

Workers’ Compensation Insurance 

Louisiana has a workers’ compensation insurance policy that’s a little more complicated than in most states. If you have employees, you are required to have this type of coverage for all of your employees. This includes all employees, including seasonal workers as well as minors and anyone part-time or full-time.

The state, however, will allow you to forgo this insurance if you apply for self-insurance. This has to be approved by the state in order to be a substitute for this insurance. This insurance pays for illnesses and injuries that can happen at work as well as any disability benefits that are needed by an employee after a work-related injury. 

Commercial Auto Insurance

When you have a business that owns a vehicle, you have to have a commercial auto policy for it. This goes for every vehicle your business owns. This policy has to have certain minimum amounts of coverage for bodily injury liability and property damage liability. These cover the damage to someone else’s property and the medical bills of those who are injured. However, it doesn’t cover your own property. For that coverage, you need to add collision coverage to your policy. This pays for the damage to your own vehicle from an accident.

Get Commercial Insurance

When you need insurance for your business needs, call us at Soto Insurance Agency in Covington, LA.

Is home insurance required in Louisiana?

Buying a house is one of the major financial decisions you will ever make. Protecting it is vital to your financial security. At Soto Insurance Agency in Covington, LA, we will work with you to make sure that your home insurance provides the coverage that you need. The fact is, home insurance is not required by the state of Louisiana or any other state for that matter. 

Why Home Insurance?

Just because the state doesn’t require that you carry home insurance doesn’t mean that you don’t have to have it. If you have a mortgage, your mortgage holder will require you to have some insurance. They have an interest in your home, and until you pay off your mortgage, you need to have home insurance. If you don’t have it, they will be notified, and they will take out insurance on your home, and you will be required to pay for it.

They are concerned with protecting their investment not with getting you the best deal on your home insurance. 

The fact that your home is such a major investment makes having home insurance even if you aren’t required to a good idea. Bad things happen, and your home insurance covers many of them. It protects you from legal action. Being sued can happen to anyone. It protects the physical building from things like a tornado or a fire.

Home insurance helps you have the money to make repairs and replace the things that you have inside. It also protects your property when you take it traveling with you. If your home is damaged, you will be able to stay at a home or to rent a place until you can move back home. 

Reach Out To Us

Contact Soto Insurance Agency in Covington, LA and let our experienced team help you to get the insurance coverage that is perfect for you. 

FAQs About Auto Insurance

If you are new to car insurance, you may have a lot of questions. Even if you have had car insurance for years, you may have questions about what type of coverage you need or have. At Soto Insurance Agency in Covington, LA we provide the information you need to make an educated decision about the right auto insurance for your needs. 

Do I need to have auto insurance?

In the state of Louisiana, the basic insurance that you are required to carry is 15/30/25. This means you must protect other people from an accident you cause.$15,000 for injuries to one person, with a total of $30,000 for all the injuries from that accident. $25,000 is allowed for personal property. 

Can I let my friend drive my car?

If your friend has a valid driver’s license, they will be covered by your auto insurance at the same level that you are protected. Auto insurance covers the vehicle, no matter who is driving. If, however, they are involved in an accident, the record will be reported to your insurance, and it could affect your insurance rate. 

Am I covered if I rent a vehicle?

Maybe, it really depends on what type of auto insurance policy you have. A basic auto insurance policy is strict liability, and that will not cover a rental vehicle. If you have collision and comprehensive coverage, this also extends to the rental vehicle at the same rate as it covers your personal vehicle. 

Do I need to have my insurance card in my vehicle?

Yes, you need to carry your auto insurance card in your vehicle at all times. If you are pulled over, you will need to provide proof that you have auto insurance coverage. 

Reach Out To Us

Contact Soto Insurance Agency in Covington, LA when you are ready to discuss your auto insurance needs.

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