Flood insurance is an important complimentary coverage option to coincide with homeowners’ insurance. Bubrig Insurance Agency Ltd. helps homeowners in Belle Chasse and the surrounding areas find competitvely priced flood insurance, which is provided through the National Flood Insurance Program (NFIP) and a few select private insurers.
The NFIP offers up to $100,000 in personal possessions coverage and $250,000 for the structure of the home, which includes replacement cost coverage. Replacement cost coverage restores the home to the condition it was in before the damage. Actual cash value coverage applies to personal possessions, meaning they amount you’ll get for them decreased with the age and condition of the items. Renters can also purchase flood insurance, and if you live in a flood zone, it is required. Flood insurance is recommended for any area that could be flooded by melting snow, and overflowing creek, or steep hill runoff. There is a 30 day waiting period for coverage to begin after purchasing flood insurance, so it is best to be proactive and make sure you are covered before a major flood occurs.
Belle Chasse, Louisiana is a high risk flood zone—it is located near the Mississippi River, Gulf of Mexico, and several lakes, and is vulnerable to hurricane damage. The experienced team of insurance professionals at Bubrig Insurance Agency Ltd. will answer all your questions about flood insurance. We will find a plan that will work for your home, your family, and your lifestyle. We strive to vigilantly protect our customers’ home from flood damage through connecting them with the coverage they need. If you need flood insurance in southern Louisiana for your home, contact our experienced team to get the plan you need today.