What You Should Know About Flooding and Home Insurance in Baton Rouge, LA

If you live in Baton Rouge, LA, you know that flooding is a distinct possibility at any time. You should make a point of being aware of what kinds of damage home insurance will actually cover in the state of Louisiana if you want to make sure that you have the appropriate coverage to protect your home and belongings.

One common misconception is that home insurance policies will cover damage that occurs as the result of a flood. Generally speaking, home insurance will not cover this damage. In order to have your home protected financially in the event of a flood, you will need to purchase a flood insurance policy in addition to your home insurance policy. The Federal Emergency Management Agency (FEMA) has said that flooding is the number one in terms of natural disasters in the United States, and this is especially applicable to the state of Louisiana, which is considered by FEMA to be a flood zone. As such, you should make sure that you are prepared for the event of a flood. You cannot rely solely on your home insurance policy to help recover your home and belongings in the event that they are destroyed by a flood, so you will need to purchase a flood insurance policy as well.

If you are a resident of Baton Rouge, LA, and you are interested in knowing more about home insurance and how it applies in the event of flooding, you can feel free to contact the professionals at David Cordell Insurance. The agents at David Cordell Insurance can tell you everything that you need to know about home insurance in the state of Louisiana and answer any questions that you might have. They can tell you what you need to do in order to be able to ensure that you will not lose your home and everything you own in the event of a flood.

Six Things That Make Baton Rouge, Louisiana So Remarkable

The second largest city in the state, Baton Rouge, Louisiana is a remarkable place to live and work. It is a terrific place to do business and recreational opportunities abound. Here are just six of the things that make Baton Rouge so remarkable.

  1. As the capital, the State of Louisiana is the area’s largest employer with over 22,000 employees. That is more than twice the amount of the city’s second largest employer.
  2. In terms of tonnage shipped, the Port of Baton Rouge is the 9th largest port in the United States.
  3. There are only two other state capitals located further south than Baton Rouge. They are Tallahassee, Florida and Austin, Texas.
  4. The Capital Building in Baton Rouge is the tallest capital building in the entire United States.
  5. Over 40% of the population of Baton Rouge is 24 years of age or under.
  6. There are over 13,000 hotel rooms and 900 restaurants in Baton Rouge.

Baton Rouge is filled with remarkable local businesses. If you have a business here, you likely protect it with commercial insurance. Commercial insurance can provide financial protection from losses due to theft, storms and vandalism. It can also protect businesses in instances where someone may sustain an injury while on their property. Depending on your type of business there is also coverage you can acquire to protect you from product liability.

At David Cordell Insurance, our independent agents will scour a variety of insurance providers to find you the quality coverage you need and deserve at a price you can afford. We offer both commercial and personal lines of insurance. If you reside in the 70809 zip code or the surrounding area, visit our website to get an online comparative quote on auto and homeowners insurance. For commercial insurance quotes contact us.

David Cordell Insurance is proud to serve Baton Rouge and we would be pleased to assist you.

In the Blink of an Eye

When it comes to technology, you don’t get much faster than Baton Rouge, Louisiana. LSU’s Supermike computer was named the top computer cluster in the world in 2001, and is still considered one of the top clusters in the world. Our fiber optic infrastructure has proven fast and reliable for the area. When it comes to technology and Baton Rouge, things can happen in the blink of an eye.

Unfortunately, when it comes to injuries on your property, things can also happen in the blink of an eye. It only takes a second for an accident to result in a personal injury claim. A pizza or package delivery person who stumbles on an uneven concrete path, a neighbor child who falls off your swing set or who cuts themselves on an unseen nail. Personal injury claims can come from a lawn service worker who runs over a rock or breaks an ankle in a hole in your yard. Even inside your house, a guest could slip on a loose area rug. While you can do your best to prevent them, accidents happen and they can happen on your property.

That is where the liability coverage of your homeowners insurance comes into play. Your liability coverage can protect you financially from a personal injury claim. That is, as long as your coverage is sufficient. Personal injury claims can be very expensive. Are you confident you have adequate limits? If not, contact us at David Cordell Insurance. We can quickly give you a homeowners insurance review. What’s more, if you choose, we can search multiple insurance providers to see if there may be better coverage available at a more affordable price. We invite you to visit our website and get a comparative quote on your homeowners or auto insurance.

Things can happen in the blink of an eye. If you live in the 70809 zip code area, make sure you are prepared by contacting David Cordell Insurance.

How Much Auto Insurance Do You Need?

Louisiana’s Old State Capitol is a sight you have to see whether you are a resident of Baton Rouge, Louisiana or you are visiting with your family. Full of history and mystery, touring the building will definitely help you increase your knowledge about Baton Rouge. Before you embark on your trip, it’s important that you have the right amount insurance coverage on your auto. How much auto insurance do you need? The following outlines considerations you should make to ensure you have enough coverage.

Coverage for At-Fault Accidents
In 2009, nearly 33,000 people died as a result of a car accident in the United States. Additionally, there were over 2.2 million injuries sustained as a result of an accident. With the odds of being in an accident increasing each day, you must have enough auto insurance to cover the cost of the worst scenario happening—vehicular death. Although your auto insurance covers minimums established by the state of Louisiana, legal monetary settlements often include repairing the car, covering medical costs, paying a penalty for the accident and loss of wages. On average, the legal settlement for a car accident is $19,806. If you are involved in multiple accidents in any given year, you may have to cover some of the costs if you do not have enough insurance.

Collision and Comprehensive Coverage
Collision and comprehensive insurance coverage helps repair or replace your car when you are not at fault. These coverage options help when your car is damaged by a tree, stolen or vandalized. If you have a new vehicle, the cost of repairing or replacing your car can be enormous, so you want to speak with one of our local agents to ensure that you have enough insurance coverage to get you back on the road.
Getting quotes for car insurance is easy when you contact us, your local independent insurance agent. We will answer your questions to ensure that you have the policy that best fits your needs. If you are in Baton Rouge, LA, in zip code 70809, do not hesitate to give us a call and compare coverage using our website to get quotes.