Flood Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Flood Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Flood Insurance Information
Many Louisiana residents live in areas at an increased risk for flooding, including along the bayou or the Mississippi River. However, coverage can protect your sense of security and financial future even if you’re not at immediate risk for floodwaters.
Flooding can be destructive to your home and belongings. Flood insurance can help protect your assets and financial livelihood. You don’t need flood insurance in Louisiana, but it may be valuable protection. The Protective Risk Agency can help you explore your flood insurance options.
What Protection Does Flood Insurance Provide?
Flood insurance offers protection against the damages and financial devastation caused by flooding. Flood insurance usually provides coverage for these items:
· Electrical and plumbing systems
· Flood debris cleanup
· Furnace, water heater and central air conditioning
· Structural damage
What Does Flood Insurance Cover?
There are two types of coverage: structure insurance, which protects your home, and contents coverage, which covers your belongings. Coverage may also be available for debris removal costs, loss avoidance and cost of compliance. The National Flood Insurance Program (NFIP) underwrites most flood insurance plans, and usually, you can purchase NFIP plans through major insurers and the NFIP Direct system.
You may be required to purchase flood insurance in Louisiana if:
· You live in a designated high-risk flood zone and have a mortgage backed by a federally-insured lender.
· Your lender requires you to have flood insurance regardless of whether you live in a high-risk zone.
· You live in a high-risk flood zone and have received disaster assistance through FEMA or the U.S. Small Business Administration (SBA). If you choose not to purchase flood insurance, typically, you will not qualify for future aid.
Flood insurance depends on the property and its location. We can help you explore the coverage that best meets your needs if you’re eligible for FEMA flood insurance and what your insurance policy may cost.
Protect Your Livelihood
Flood insurance doesn’t take effect until 30 days after you purchase your policy. However, if your lender requires that you have flood insurance to make, increase, extend or renew your loan, there’s no waiting period.
Call the Protective Risk Agency at 985-542-4675 to speak with us about flood protection for your Louisiana home.