Category: Flood Insurance

When you are a homeowner, you need to make sure that you protect the investment you’ve made into your home. It’s usually a person’s largest asset, and it needs protection in case something were to happen to it. One way to do this is to get flood insurance. This is an essential type of policy that can protect you financially against a flood that damages your home and belongings. If you don’t already have a flood policy, you can call us at Soto Insurance Agency in Covington, LA to find out more. 

The National Flood Insurance Program

This is a program that has government backing and is guaranteed. This isn’t an entity that can go out of business. When a flood happens, this policy will be there to help. Many people are hesitant about getting flood insurance because they worry that companies can’t pay after a major disaster. However, flood insurance from this program is guaranteed. With federal funding and backing, you know it’ll be there for you if you need it. Because of its backing, the price of this insurance coverage is a set amount that is the same anywhere you go. 

Flood and Home Insurance

A lot of people don’t get a flood policy because they think their home insurance should take care of any disaster. However, this isn’t the case. When a home is flooded, home insurance generally excludes this from coverage. That’s why you need a separate flood policy for your home. You need this extra policy to cover the costs that come from flood damage in your home. Water can be very damaging to building materials. It can cost thousands to fix all the problems caused by a flood. Don’t be caught without coverage and be saddled with thousands, or tens of thousands, in damages. 

Get a Flood Policy

To get your flood insurance, you can call us at Soto Insurance Agency in Covington, LA to get started with a policy. 

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!