Flood Insurance Policy Quote Form


While disaster recovery assistance programs are important in helping flood survivors get back on their feet, there is no substitute for the broad-ranging benefits of the National Flood Insurance Program (NFIP).

Flood damage is not covered by homeowners policies but you can protect your home, business, and belongings with flood insurance from the NFIP. It doesn't matter whether your flood risk is low, medium, or high, you can insure your home for up to $250,000 for the building and $100,000 for your contents. The average flood insurance policy costs a little more than $300 a year for about $100,000 of coverage.

"The cost of flood insurance offers peace of mind at a very low price considering the catastrophe floods can cause," said State Coordinating Officer Art Jones. "And people need to know that most people in Louisiana are eligible for coverage."

You can buy NFIP flood insurance from private insurance companies and agents. Owners of manufactured homes are often required to purchase flood insurance that only protects their lender's interest in the property. But owners of those homes can buy flood insurance through the National Flood Insurance Program for the full value of their home and its contents. Renters can obtain flood insurance for contents.

So many people throughout Louisiana thought they didn't need flood Insurance. Even if you don't think you need it, trust me if you get it and you do need it, this will be the best investment you ever make.

Everybody should carry Flood Insurance.

Yes, even if you are in Flood Zones C, B, or X you should carry it.

Flood insurance changes from time to time. Please contact one of our agents for the latest news.

The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.