Those that are in the Baton Rouge, LA area will always want to make sure they have good insurance coverage. A great way that this can happen is by getting a full umbrella insurance policy. This type of coverage will offer you unique personal liability support and protection. There are several benefits that come with getting this coverage.

Support for More Significant Risks

One common reason to have this support in Louisiana is so you can have support for more significant claims. Most people will get coverage through home and auto plans, but a very significant claim could lead to liability that exceeds your policy limit. With an umbrella plan, you are going to get the additional protection needed to mitigate this insurance as it will provide support on top of your existing policies.

Support for Situations not Covered

It would also be wise to get an umbrella insurance plan to have support for situations that are not otherwise covered by insurance. There are many potential liabilities taken on by people on a regular basis, which are not protected by your standard home or auto plans. An umbrella plan is broader and will give coverage for many more forms of liability risk. 

If you live in the Baton Rouge, LA area, you will always want to ensure that you have the right personal liability coverage in place. A great way that you are able to do this is by obtaining an umbrella coverage plan. As you are assessing all of your options, calling Insurance & Financial Services Inc. can be a good idea. If you are going to call Insurance & Financial Services Inc., you can learn a lot about the different options available. This will help give you the support you need to build an ideal plan. 

Baton Rouge, LA is a large city on the banks of the Mississippi River and only 200 or so miles from the Gulf of Mexico. It is an Antebellum city, boasting many of the accolades of the past in the Deep South, especially those before the Civil War. It is the home of Louisiana’s State Capitol, and the Magnolia Mound Plantation. 

Tourists and locals alike enjoy the history and spirit o Baton Rouge. Many come to visit the Gulf or cruise down the Mississippi River in a showboat. When it’s sunny, there’s not much to worry about. But what about when it rains?

 Is Baton Rouge on a Flood Plain?

Yes. Baton Rouge is a primary floodplain area and is quite prone to flooding. Due to the close proximity of the River to the coastland, there is a good chance that the locations close to the coastline will flood at one time or another. 

For Baton Rouge residents, it’s wise to think ahead and get flood insurance from Insurance & Financial Services Inc. Their fine staff of licensed insurers and other professionals can assess your likelihood of damage due to flood and show you how a flood insurance policy is your best means of protection.

No one knows what the future holds. Watching the weather forecast can help you know what might be coming, but only having a solid foundation of flood insurance can protect you from the loss you may experience if you are uninsured when that flood comes. 

Visit with Insurance & Financial Services Inc. today to find out how you can protect yourself from whatever the future (or the weather) may bring with flood insurance that meets your needs any time of year. Then, when Mother Nature turns angry, you’ll be ready!

Health insurance provides important protection. Without it, you may not get the preventative care you need. That can lead to more serious illness. Which at the end of the day, can be more expensive and serious than just getting the early preventive care. Choosing a plan that is affordable and provides the care you need is not easy. When you have an insurance agent you trust, it can really help. At Insurance & Financial Services Inc. in Baton Rouge, LA, we understand health insurance, and we are here to help. 

Network

Most insurance carriers have a network of healthcare providers who have agreed to treat their customers at agreed-upon rates. Making sure your preferred providers are in the network is important if you want to continue to use them. With many plans, you must see providers who are in-network or services will not be covered. 

Deductible

This is a very important figure; it is the amount you will have to pay yourself before any services are covered. If it is high, you may end up paying for all your services out of pocket. High deductible policies are the most affordable which makes them popular. 

Co-pay

This is your portion of any covered service. After you have met your deductible, you will still likely have a co-payment for most services. 

Formulary

This is the listing of the drugs available to those who have a particular health insurance plan. The drugs are usually listed in tiers by how much you need to pay for a month’s supply. Both generic and brand-name drugs may be included. If you take prescription medication, it is important to make sure your particular drug is on the list. 

If you need to find health insurance, give Insurance & Financial Services Inc. in Baton Rouge, LA a call or visit our office. Our team has the knowledge you need. 

If you live in Baton Rouge, LA, you’re probably wondering why you need renters insurance when your landlord has insurance. Every person in the neighborhood is likely to have the same questions. Insurance & Financial Services Inc. has been educating people why they need renters insurance regardless of the landlord’s homeowners insurance.

You Can Lose Your Properties

The fact that you live in a secure neighborhood does not mean that you cannot lose your property. Thieves can get away with some value from your house. Unfortunately, homeowners’ insurance will not cover such properties. You need to have renters insurance so that you can recover the lost items. 

You Can Be Sued for Injuries

Having people visit your rented house is a common practice. It helps you bond with your neighbors and create meaningful relationships. The problem is that people can sue you for injuries when they get injured when visiting your house. Renters insurance is one of the liability policies that can help you cover the cost of medication and possible lost income. 

Your House Can Become Uninhabitable

Structural damages, flooding, and fire can make your rented house uninhabitable. This means that you will be living in a hotel when technicians solve such problems. Living in such places can have significant financial impacts on your savings. However, with renters insurance, you will not face such problems. Your insurance company will take care of your living expenses during the period of repair. 

What Next?

As a residence of a rented house in Baton Rouge, LA, you don’t need to pay too much attention to your landlord’s insurance. Ensure you get renters insurance from a local company that will take care of the uncertainties discussed above. Call Insurance & Financial Services Inc. today for advice on the best renters’ insurance policy that will take care of your belongings and liabilities.

If you are a resident in the Baton Rouge, LA area, it will be very important that you carefully assess all of your personal insurance needs. A common form of insurance to consider getting is umbrella insurance, which will provide you with additional personal liability insurance protection. For those that do live in this area, there are many reasons why you should get one of these insurance plans.

Insurance Gives Coverage for Big Risks

Most of the time someone in this area of Louisiana will already have some liability coverage through their existing auto or home policies. However, these policies will always come with a cap regarding how much liability coverage you can receive. If you are ever at fault for an accident that causes very serious damage that is in excess of your existing plans, the umbrella policy will offer the additional coverage you need.

Insurance Covers More Risks

You should also consider getting an umbrella insurance plan as it can offer you coverage for more risks. An umbrella insurance plan offers coverage for a much wider range of risks that you can get coverage for through other insurance plans. This can give you peace of mind knowing that you are prepared and protected against otherwise unpredictable events and risks. 

Those that live in the Baton Rouge, LA area should consider getting umbrella insurance coverage. Those that are going to get an insurance plan here should call Insurance & Financial Services Inc. to discuss their insurance needs. If you are going to speak with Insurance & Financial Services Inc. you will get to learn a lot more about the different insurance options that you have. This can help you to pick a plan that will be right for you and your situation. 

If you live in certain areas or have requirements for having flood insurance, you will need to get coverage. One of the main sources for insurance is the National Flood Insurance Program (NFIP). Private insurers can provide flood insurance and help homeowners and businesses get adequate coverage.

If you live in Baton Rouge, LA, Insurance & Financial Services Inc. can help you with your flood insurance needs. Whether you are a homeowner or business owner, we have helped many people find the right coverage at the right price. 

Key Reasons For Getting Flood Insurance

Some good reasons exist for having flood insurance. Property damage may not be part of your current homeowner’s policy for instance. Having proper coverage, insufficient amounts can afford you greater peace of mind in the event of a disaster. It may be required in certain circumstances such as having a mortgage with a lender, but personal protection can be valuable and worth considering. Some reasons to consider having flood insurance are:

• Live in a high-risk flood zone
• Protecting your valuable investments and belongings
• Peace of mind knowing you are protected

An Experienced Insurance Agency in Baton Rouge

Contact us at Insurance & Financial Services Inc. in Baton Rouge, LA to speak to one of our qualified agents about flood insurance for your home. We have helped countless homeowners gain peace of mind with the right coverage at affordable rates. Our agents are happy to help you understand the ins and outs of hour flood insurance policy and will help you with any questions you have. We look forward to serving you.

If you live in Baton Rouge, LA, and are interested in learning more about health insurance in your area, you should consider the expertise of an agency such as Insurance & Financial Services Inc.

If you are wondering who is required to have health insurance in Louisiana, technically the answer is no one. The Affordable Care Act does dictate that everyone should have insurance. However, there is no federal tax penalty at this point for people who go without health insurance. This means that on your federal tax return, you are still going to have to report whatever status you have in terms of coverage, but you are not going to have to pay any penalty if you don’t have coverage.

There are multiple states that have passed their own requirements in terms of health insurance that their citizens have to follow. However, Louisiana is not one of these states.

However, this certainly does not mean that you should skip getting health insurance coverage. Health insurance coverage can be very important in many cases. Even if you are young and healthy, you never know when a health issue could spring up. In fact, if you end up with a serious injury or illness that you did not anticipate, you could end up spending a great deal of money paying off hospital bills because you are not insured. In order to avoid this situation, the best option is to have health insurance before anything like that happens.

If you reside in the city of Baton Rouge, LA, you should feel free to contact the professionals at Insurance & Financial Services Inc. with any questions that you may have about health insurance in your area. They will be able to share their knowledge with you and point you in the right direction in terms of how important health insurance is for you and perhaps what policy you should choose for yourself.

The Baton Rouge, LA area continues to be a great place for people to start a business. If you are going to start a company here, you will want to know that it is as well protected as possible. A great way that anyone can protect their business is by getting commercial insurance. There are several reasons why a business in this area of Louisiana should invest in a quality commercial insurance policy. 

Insurance Offers Valuable Coverage

One of the reasons that a company here should get commercial insurance is that it can provide very valuable coverage. A business will always be taking on a variety of different risks. One way that you can mitigate some of these is by getting commercial insurance. If you do get this coverage, it will give you protection for all of your business assets and liability protection. This could protect your investment and keep your business solvent.

Insurance is Often a Requirement

You will also need to get commercial insurance because it is often a requirement for business owners. Many businesses are able to grow due to raising capital from banks and investors. If you have done this, there is a good chance that you have specific commercial insurance requirements that need to be met. Getting the proper coverage will keep your company in good standing. 

A full commercial insurance policy can offer businesses amazing protection. When you are looking for a new policy in the Baton Rouge, LA area, you may find that the number of choices can make it confusing. As you are looking for commercial insurance, you should reach out to the team at Insurance & Financial Services Inc. The insurance team at Insurance & Financial Services Inc. can provide you with expert guidance and support that is needed to choose a quality policy. 

Renting a home in Baton Rouge, LA comes with its share of responsibilities, just like buying. Insurance protection is one of those responsibilities. If someone were to have a serious accident on your rental property, you could be sued for damages. Renters insurance protects you against liability issues and lawsuits so you don’t suffer financial loss. Here’s how a renters policy from Insurance & Financial Services Inc. can benefit you.

Injuries

As a renter in Baton Rouge, LA, you’re responsible for accidental injuries that occur on your rental property. If a friend falls down your stairs and breaks his leg, you’ll be held liable for his medical costs. This could include doctor bills, hospital bills, rehab costs, and lost wages if his injury keeps him from working. Without insurance, you could wind up paying a substantial amount of money out of pocket. Renter’s liability insurance protects your assets by covering these costs.  

If the same incident causes debilitating injuries, you could be sued for damages. Renter’s personal liability insurance protects you against a lawsuit by paying your legal fees and settlement, if you lose, up to the limits of your policy.

Property Damage

Renter’s liability insurance also covers the cost of accidental damage to other people’s property. If your kids damage your friend’s new car while it’s sitting in your driveway, renters insurance will cover repair costs. If you’re sued for damages after accidentally causing a fire that destroys your landlord’s kitchen, renters insurance will cover your legal and settlement costs, up to the limits of your policy.

Renters insurance can be a lifesaver in protecting you against unexpected events in life that can cause financial ruin. To purchase your renter’s policy, contact Insurance & Financial Services Inc. today. We serve residents in Baton Rouge, LA, and surrounding communities.

When the sky looks stormy, do you leave home with an umbrella? Sometimes we know when a storm is coming, sometimes we don’t. The last thing a responsible adult wants is to be left sopping wet (maybe with tears) by finding themselves in a situation where their insurance doesn’t cover the entire claim. This is were umbrella insurance comes in. It adds additional coverage in a stormy world. 

To learn more about how to get started adding this type of insurance policy for your protection, follow these three tips.

1. Compare Several Quotes

When shopping for a new umbrella insurance policy, compare several quotes to find the best one for your needs. A reputable agent from Insurance & Financial Services Inc. serving the Baton Rouge LA area will help you by going over all the fine detail and answering all your questions and concerns regarding each policy.

2. Bundle Your Quotes

Do you like to save money? Of course! Talk to your insurance agent about bundling all of your insurance policies with one carrier who will generously reward your loyalty and don’t forget to ask about other ways to save money, such as a senior citizen discount. 

3. Work with a Reputable Agent

Purchasing an umbrella insurance policy is an investment in peace of mind. To sleep even more soundly, be sure to secure a policy with the help of a friendly, reputable agent.  This way, you’ll get the best policy for the best price in Baton Rouge, LA.

To learn more about umbrella insurance, contact Insurance & Financial Services Inc

Our friendly agents are available now to take your call and ease your mind.