Does boat insurance cover natural disasters?

A boat is not something everyone can afford in Baton Rouge, LA. Your ability to have a watercraft vessel is a privilege that you cherish every day. In valuing such a privilege, it is important that you maintain the best indemnity policy that covers all incidents, including natural disasters. The agents at Cordell Insurance can help you better understand your boat insurance policy. 

Does boat insurance pay for natural disasters?

A standard boat insurance policy does not pay for natural disasters. You need to add coverage if you want your vessel to be covered in a tornado, hurricane, or fire. 

Many boat owners in Baton Rouge, LA are unpleasantly surprised to learn they do not have enough protection after a natural disaster has destroyed their vessel. Such revelation places these boat owners in a serious financial bind. 

The last thing you want is to have to surrender your dream of owning a boat because you lacked enough coverage to replace the vessel after a natural disaster. It is important, then, to check your current policy to ensure that you have full protection. 

How does protection for natural disasters work?

You do not need to purchase coverage for every natural disaster that may occur in Baton Rouge. Natural disaster protection provides coverage regardless of whether your boat is destroyed by water, wind, or fire. 

Call Cordell Insurance for help!

We specialize in helping boat owners find the indemnity policy that works best for their adventurous lifestyles. Do not wait until it is too late! Call us today to learn more about boat insurance and to get started with a quote for coverage!

Benefits of a comprehensive RV policy

Owning an RV can be very exciting and a great way to explore the beautiful landscapes that LA offers. The Cordell Insurance team is here to answer any questions that Baton Rouge, LA area RV owners may have. It is important to have the benefits of a comprehensive policy in place before you hit the road.

Why Comprehensive RV insurance is worth checking out

There are many different ways to use your RV, from a few camping trips to spending months out on the road. Whichever way you enjoy your vehicle, there is sure to be a policy that suits your needs. 

  • Road protection is just one aspect of RV insurance – having collision insurance, and roadside assistance are important parts of RV insurance, but more protection is typically a good idea.
  • Camping and RV parks require coverage too. Having liability protection for when your RV is stationary is important, especially when other guests are coming to join you and spend time in your RV.
  • Theft, damage, and loss protection can help you when your vehicle is vandalized, damaged, or stolen. 

Because of all of the different ways an RV can be used it can feel like there are a lot of moving parts when it comes to selecting a comprehensive insurance policy. With a comprehensive policy, you can find coverage that fits the way you use your vehicle. This helps to provide the most comprehensive protection in the event that you do experience a covered event. 

Let us answer your RV insurance questions!

Baton Rouge, LA area RV owners can rely on Cordell Insurance. We are here to review all of the available RV policy options in our state. Call or stop by today and learn more about how to protect your RV. 

Who would benefit from getting umbrella insurance in Baton Rouge?

People that reside in the Baton Rouge, LA area are going to have a variety of different personal insurance needs. One important form of insurance coverage that you will need is umbrella coverage. This is a unique form of personal liability insurance, which is well worth the investment in some cases. There are several situations in particular when someone could benefit from getting into a new umbrella coverage policy. 

When Looking for More Liability Coverage

A situation when someone would benefit from having umbrella coverage in this area of Louisiana is when they want to have more liability coverage. Most people will have personal coverage through their current home or auto policies. While these policies include some liability protection, there are situations when it is not enough and damages are higher than the policy limit. In these cases, an umbrella policy would be helpful as it could give you the additional personal coverage that you need.

When Trying to Prepare for Unexpected

The main advantage that comes with umbrella coverage is that you can prepare for the unexpected. While there are some liability risks that you can prepare for, there are others that can seem to come out of nowhere. To ensure that you are ready for the unexpected, you should get an umbrella policy that offers you broad liability protection. 

There are clearly many situations when someone could benefit from getting an umbrella insurance plan in Baton Rouge, LA and the surrounding areas. The team at Cordell Insurance can be a great resource when you are looking for coverage. There are a lot of complexities that come with choosing a new umbrella insurance plan. The team with Cordell Insurance can answer any questions that you have to ensure that you are able to pick the right policy for your situation. 

A Guide To Help Louisiana Residents Find Life Insurance

Cordell Insurance serves the Baton Rouge, LA community through offering residents multiple types of insurance coverage. We strive to help our clients find policies that will protect their assets. Providing customer satisfaction is our primary objective.

Life Insurance

While an uncomfortable topic, life insurance allows you to start planning the legacy that you want to leave behind for your family. The policy helps ensure that your family will have a safety net after your passing. Life insurance will help alleviate some of the stress and pain associated with the grieving process.

There are multiple types of policies to consider, so it is important that you choose the best fit for your individual situation. Term life coverage provides assistance for a specified number of years. Normally, term life policies are divided into 10-year intervals. Whole life policies cover you throughout your entire lifetime. Universal life policies are a flexible way of protecting your assets. Research each policy carefully before making a decision.

Regardless of your situation, life insurance is an asset. The policy allows you to set a plan for your future that will lessen the burden on your loved ones. Even if you are single at the moment, things may change in the future. Perhaps you may decide to move away from Baton Rouge LA to explore life.  Life insurance allows you to leave something for your future spouse or children. Even if you remain single, life insurance lays the foundation so that there won’t be any uncertainty regarding the handling of your assets after you pass away. It’s never too early to start thinking about life insurance. Even if you are in your 20s, start laying the foundation for your future.

Cordell Insurance Will Help You Plan For The Future

For more information on life insurance, visit our website today.

How Much Boat Insurance Do You Need in LA?

Baton Rouge, LA sits on the banks of the Mississippi River and many residents own their own boats. Cordell Insurance serves the community with a variety of insurance services for all aspects of life. If you have any questions about boat insurance for your new or used craft or if you are ready to purchase a policy we will be happy to help you out. 

How Much Boat Insurance Do You Really Need? 

Boat insurance in the state of Louisiana is not a legal requirement like automobile insurance is. However, if you are making payments your bank likely requires insurance for their monetary protection during the duration of the loan. So legalities aside, how much boat insurance do you need for your personal protection? This depends on how much you use it, how many people enjoy your boat with you, and what you use your boat for. The more often you use it the higher the risk you assume and the better off you will be if you have insurance to protect you in case of a physical issue out on the waters. If you have many guests on your boat then you will find with just a bit of research that medical costs and liability can endanger you financially if anything happens. And if you use your boat for fishing tournaments, daily travel, or rescue you may need specialized policies to cover your unique situation. A good boat insurance policy will bring you peace of mind on the water and will help relieve your stress if anything bad occurs. 

Cordell Insurance serves Baton Rouge, LA and the surrounding areas with insurance services for your boat, home, business, and life. If you have any questions or would like to purchase a policy contact us today. 

Three Tips to Keep Your RV Unit Well Maintained and Protected

Owning an RV is fun, but also, it is a responsibility. Taking it out on epic road trips in Baton Rouge, LA, or elsewhere is just one part of the experience; the other part is where the owner takes care of it for maintenance. If you’re an RV owner or planning to be one, these simple tips can help you better enjoy your RV for longer.

1. Inspect for leaks, and clean and treat your RV’s roof, seals, and slide-outs at least every three months. Your RV is very much prone to natural wear and tear, whether due to frequent use or prolonged storage. While you’re at it, also check the awning; birds sometimes make nests in there.

2. Regularly check engines, batteries, and tires for maintenance and your own road safety. This lets you catch issues that could potentially cause damage to your RV in the long run. Batteries, of course, must be kept charged at all times, otherwise, you risk getting stranded because your RV won’t run. The typical battery lifespan is anywhere from 3 to 5 years, so keep in mind this timeframe to schedule your battery check or replacement, as necessary.

3. Get insurance for your RV because your unit might get more damage than the simple wear and tear. A huge tree branch could hit its windshield or drop on the roof. Rocks and boulders could cause dents, and even tears, on the body. You might forget to secure the handbrake for parking, causing it to roll down and off a cliff, or hit a tree, causing total body damage.

Whatever it is you would want to have insurance coverage from an agency like Cordell Insurance. Get in touch today to find the RV insurance policy that suits your needs best.

Who needs umbrella insurance in Baton Rouge, LA?

If you are a Baton Rouge, LA resident, you probably know how expensive lawsuits can get. While most insurance comes with liability coverages to protect you against significant financial losses, most have limits. That is where umbrella insurance comes in–which protects you and your family against major financial crises. At Cordell Insurance, we encourage everyone to buy umbrella insurance as it comes with many benefits. However, some individuals need this policy more than others. They include the following:

Wealthy households

Umbrella insurance is a particularly valuable tool for wealthy households as these homes tend to be lawsuit targets.  Big homes with ponds, trampolines, and swimming pools can quickly attract lawsuits, especially from visitors. Additionally, if you own pets and other domestic animals, you may need to have enough insurance just in case they stray to your neighbor’s compound and cause damage.

Big families

Large families, especially those with children below the ages of 18, require adequate umbrella insurance to protect the family from financial losses due to damage, injuries, or lawsuits. For instance, teenagers tend to engage in dangerous activities at home, such as throwing parties in your home in your absence. Such behavior could result in painful lawsuits that can leave you broke.

Asset owners

Asset owners in Baton Rouge LA have a high public profile. They also have a large number of employees which exposes them to lawsuits. Assets attract a lot of attention, especially if these assets involve dealing with a large number of people. For instance, if you own a number of residential and commercial properties, you are at risk or getting slapped with a lawsuit by your tenants. That is where the umbrella policy comes in.

Businesses owners

Like asset owners, business owners deal with people from all walks of life. If you operate a restaurant, the chances of getting threatened or actually getting sued are higher than businesses that don’t deal with clients directly.

Feel free to contact Cordell Insurance for all your insurance needs!

4 Reasons Flood Insurance Is Ideal in Louisiana

Do you have a concern for your Lousiana home when it comes to flooding? Whether you’re new to the area or haven’t had any flood issues on your property, it’s important to understand that this could become a problem for you one day. Read on to learn why you should have flood insurance in Louisiana.

Protection of Your Property

Not only does flood insurance cover damage to your dwelling but you also can have your belongings repaired or replaced in many instances. This does, of course, depend on how much coverage you have. Find out if surplus lines may be added to your policy in order to help with the cost of losing detached structures, damaged items, and in some cases your additional living expenses.

Flood Insurance Is Required with a Mortgage in Certain Situations

In Louisiana, business owners and homeowners usually are required to have flood insurance if they’re in high-risk areas and they have a mortgage through a federally insured or regulated lender. It’s still a good idea to have it if you’re in the low or moderate risk areas.

Flood Insurance Is Not Covered Under Home Insurance

That’s right, there’s no flood insurance coverage in your average home insurance policy. You would have to seek this out on your own and ask any questions to make sure you’re getting the right coverage to fit your circumstances. Cordell Insurance serving the Baton Rouge, LA area can help with this.

Wide Variety of Options

You may not realize this but flood insurance isn’t just for private homes and places of business. You also can get this coverage for a rental property or a condominium. This opens up coverage to many more individuals and families.

Want to find out more about flood insurance and if it’s right for you? Contact Cordell Insurance of Baton Rouge, LA today and our agents will address your questions and concerns.

How do I choose a life insurance policy in Baton Rouge?

If you are in the Baton Rouge, LA area, it is very important that you carefully consider all of your personal insurance needs. One form of insurance that you will need to consider getting is life insurance. If you are going to get a life insurance policy, it will help to ensure that your loved ones are protected. There are several tips to follow that can help someone in this area to choose an appropriate life insurance policy based on their personal needs.

Consider Coverage Needs

One of the most important factors to consider when you are looking for life insurance is the amount of coverage that you need. This can be a complicated factor to determine as it is very personalized. It is important to carefully consider all of the future financial needs that your dependants could have. Based on this assessment, you will be able to determine how much coverage you need when shopping for a policy. 

Choose Type of Policy

It is also important to consider the right type of policy. The two most common options are term and whole life insurance. With a term life policy, you will receive coverage for a specific period of time. With this policy, your premiums are normally lower than with other options. With whole life, your premiums will likely be higher, but you will have coverage for as long as you want it and the policy provides investment benefits.

Ultimately, picking a life insurance policy in the Baton Rouge, LA area is a big decision. When you are looking for coverage, you should work with Cordell Insurance. The team at Cordell Insurance can help you to find a policy that provides you with coverage that is right for your situation. 

3 Ways to Protect Yourself on a Boat

Boats can be you and your family’s metaphor for freedom on the water. A chance to connect to each other and to yourself without having to endure all the distractions you’ll find back on land. But for as many benefits as your boat can offer in Baton Rouge, LA, you may need to consider the safety side of the equation a little more to lower the risks of accident or injury. 

Practice the Emergency Plan 

Most boat owners have a vague idea of what they’ll do in an emergency, but that doesn’t mean that they’ll follow their own advice in the heat of a crisis. They may also have friends or family members on the boat who aren’t sure what to do either. Because water is a dangerous element on its own, you really can’t afford to lose any time. Cordell Insurance wants you to be sure of what you’re doing so everyone is confident. 

Don’t Skimp on Safety Equipment 

From life jackets to antitheft trackers, having the right equipment can make all the difference when you’re on a boat in Baton Rouge, LA. If you’re at a loss of what you need, it’s always better to have more than to forego a few items to avoid loading down the boat. 

Have a Solid Boat Insurance Policy 

If there’s a problem on your boat, you need to be able to fix it right away. Accidents may occur that lead boat owners to still use their boats even if they’re in subprime condition. If you want to learn more about how boat insurance protects you from potential disaster, Cordell Insurance can tell you more about what policies will cover and how you can use the benefits to your advantage. Give us a call today to find out more.