What does flood insurance cover?

Flood-related damage is one of the most widespread natural disasters and can wreak havoc unexpectedly. Flooding is a significant threat in Baton Rouge LA. The prevailing inches of floodwater may cause tens of thousands of dollars in terms of damage. Regrettably, many Baton Rouge, LA residents only think about flood insurance when the uncertainties strike. Are you concerned that your house and your belongings might not get protection against floods? Engage our agents at Cordell Insurance, who will assist you in designing the best flood insurance coverage proportional to your needs and budget, irrespective of where you are situated.

Is flood insurance mandatory in Louisiana?

Flood insurance is not mandatory in Louisiana. However, people who reside in specific regions located in flood-prone areas like the Mississippi River may need to buy flood insurance to qualify for a federally-backed mortgage. Since home insurance doesn’t cover flood-related damage, all Louisiana residents should shield their dwellings with separate flood insurance coverage.

Flood insurance coverage options in Baton Rouge, LA

For those people residing in moderate or low-risk areas, it’s prudent for them to consider procuring flood insurance. Baton Rouge LA residents, can acquire flood insurance through NFIP or private insurers. Available coverage includes:

Building property coverage: This coverage protects the structure itself. It covers the physical form and its:

  • Furnace and central air conditioning
  • Plumbing and electric systems
  • Built-in appliances like refrigerators and dishwashers
  • Permanently installed carpeting, and paneling
  • Foundation, walls, and support structures
  • Detached garage
  • Portable appliances like ovens and refrigerators

Personal contents coverage: It covers personal belongings(contents)in the building. It covers:

  • Clothing
  • Furniture
  •  Electronics
  •  Curtains
  • Some portable appliances
  •  Freezers and foods inside them

Flood insurance in Baton Rouge, LA

 It’s wise to check your policy wording carefully before purchasing your coverage and ensure you comprehend what type of flood damage is covered. Call us or visit our Cordell Insurance offices for detailed information about flood insurance policies.

Who can buy life insurance in Baton Rouge, LA

As we enter our youth years, there is so much to focus on that we often forget that life insurance is the fundamental part of a sound financial plan. Life insurance is cheapest when you’re young, vibrant, healthy and full of life. That means everyone in Baton Rouge, LA is welcome to buy life insurance. Generally, if one type doesn’t work for you, there will always be a perfect one that will. However, while we all need the policy, some people need it more. Such people include:

A parent with minor children

If you are just married and have a young family with a toddler or school-going children, you may want to seriously consider buying life insurance to protect them financially if one parent dies. Life insurance will make sure your children’s financial resources are sorted until they can support themselves.

Parent to a child with special needs

Children with special needs require lifelong care that can be pretty expensive, depending on the condition. Life insurance can help pay for their education, healthcare, and other special needs in case the parents passed away.

A married couple who own property together

If the death of one property holder would mean loss of income, lack of upkeep, and inability to pay taxes and other expenses, life insurance may just be the perfect solution. An insurance agent at Cordell Insurance can help you choose which type of life insurance will work best for your situation.

Young adults looking to lock in low rates

The younger you are, the healthier you are, hence low insurance premiums. Insurance companies use age and health as the primary factors when determining your insurance rates. It also makes sense to buy insurance when young because you have fewer responsibilities.

Not sure whether you need to buy life insurance in Baton Rouge, LA? Cordell insurance can help you understand your life insurance needs better. Feel free to call us or visit.

Do I need Boat Insurance During the Off-Season?

Everyone in Baton Rouge, LA, thinks having boat insurance in winter is a waste of money. Here at Cordell Insurance, we have seen very many boat owners looking to pause their boat insurance during the off-season. There is always an excuse that the boating season only lasts for four months only, but they are required to pay insurance premiums throughout the year. 

Why You Need Boat Insurance During Off-Season?

It is understandable why everyone would be looking to avoid boat insurance in winter. It is obvious that you will be saving money on insurance premiums because your boat is on the doc. However, there are some factors that you need to understand about boat insurance during the off-season. 

The Risk of Theft

Your boat faces the risk of theft throughout the year. That is why you need to make sure that you have your insurance policy year-round. Even when your boat is in the garage, there is a chance that someone might steal it from you. 

Physical Damages

It is obvious that boats get physically damaged when they are in use. This means that you will experience most of the physical breakage during summer. However, in the off-season, your boat can get physical damages. Someone might remove some parts. Rusting is also very common in the off-season because your boat is not getting the attention it requires. 

Adhering to Regulations

It is good that you understand boat insurance laws in your state. Most of the states around the country demand that you maintain your boat insurance throughout the year. Even when your state does not require you to maintain this insurance, it is always good when you have it.

Here at Cordell Insurance, we have been helping boat owners in Baton Rouge, LA, to get boat insurance. Our insurance experts can guide you on how to maintain your boat insurance during the off-season.

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!