Frequently Asked Questions
Our most common questions about insurance solutions
What is an independent agent and why should I choose one?
Unlike Captive Agents such as State Farm or Allstate, Independent Agents like us have access to multiple insurance companies, allowing us to find the most competitive coverage and rates for you. We are local and committed to servicing all your insurance needs.
Are the Insurance Companies you work with financially stable?
We collaborate with a wide range of Companies that undergo thorough scrutiny to ensure not only their financial strength but also their ability to provide the service and coverage that meet our clients' requirements.
How does escrow work with your Homeowners Insurance?
Your Homeowners premium is divided by your mortgage company and included in your monthly house note. The money is held in your escrow account, and your Homeowners Insurance is paid once a year upon renewal. Remember, your insurance policy belongs to you. If you sell your home, please contact us to cancel your policy.
I need a Homeowners Declaration page for my taxes. What is this and why?
Your Homeowners Declarations is the policy that is sent to you with each renewal. There are credits available on your state return for the Louisiana Fair Plan Assessment fee that you may be eligible for.
Is flood covered under my Property Insurance policy?
Whether it's a personal home or a commercial building, flood insurance is a separate policy and is not included in your homeowners or commercial property policy. You can purchase it through our office.
Am I required by state law to carry Workers Compensation Insurance?
Employers in Louisiana must maintain Workers' Compensation Insurance, even if they have only one employee. This requirement covers part-time, full-time, temporary, and seasonal employees.