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Auto | Home | Renters | Flood | Specialty | Commercial (Business) | Life | Individual Health | Group Health & Employee Benefits
The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by an accident, fire, theft, or other event covered by your insurance policy. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.
Insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you. Landry Insurance can help you find the Mid County and surrounding areas home insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing. However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
Since standard home insurance doesn’t cover flooding, it’s important to have protection from floods associated with hurricanes, tropical storms, heavy rains and other conditions that impact the U.S.
In 1968, Congress created the National Flood Insurance Program (NFIP) to help provide a means for property owners to financially protect themselves. The NFIP offers flood insurance to homeowners, renters, and business owners if their community participates in the NFIP. Participating communities agree to adopt and enforce ordinances that meet or exceed FEMA requirements to reduce the risk of flooding.
Flood Insurance Coverage
Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.
Building coverage includes
✓ The insured building and its foundation
✓ The electrical and plumbing system
✓ Central air conditioning equipment, furnaces, and water heaters
✓ Refrigerators, cooking stoves, and built-in appliances such as dishwashers
✓ Permanently installed carpeting over unfinished flooring
✓ Contents coverage includes
✓ Clothing, furniture, and electronic equipment
✓ Portable and window air conditioners
✓ Portable microwaves and dishwashers
✓ Carpeting that is not already included in property coverage
✓ Clothing washers and dryers
Commercial / Business Insurance
Liability protection is designed to protect the business against losses even if there is a frivolous lawsuit or they are negligent or liable for damage, injury or loss to another’s property, reputation, or health. Typically, damages, legal defense fees and settlement charges are paid by the insuring company when a claim is filed against the business. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
Property insurance can cover buildings that you own and/or business property and inventory against physical loss or damage. If you don’t own your building, you’ll still need contents coverage. In the most policies, property insurance for business contents covers furniture, fixtures, inventory, office equipment and other supplies stored at your facility or off-premises. You may insure those items for replacement cost or for actual cash value (ACV), which pays only for the depreciated value of the property.
Workers compensation insures the employers against employee lawsuits because employees who are injured on the job are provided with monetary recoveries for injuries and lost wages. This eliminates the need for litigation and creates an easier process for the employer and employee. Workers Compensation Insurance is designed to help companies pay these benefits. Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents. Workers compensation insurance must be bought as a separate policy.
Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Policies can include comprehensive and damage coverage as well as coverage for property and personal damage to others.
Life insurance policies are unique and depend on your personal and financial needs. As your life changes, your life insurance should evolve. Getting married, having a baby, purchasing your first home, starting a business, or retiring all warrant a review of your life insurance policy. Landry Insurance Agency can help you weigh your life insurance options. The choices can be overwhelming for the average person, and it’s our goal to make the decision easier. We’ll look at different insurance companies and coverage types and help you determine the best fit for your current situation.
For some applications, there are specialty policies that can be purchased to give you the coverage you need. Some of the specialty policies are:
✓ Travel trailers
✓ Jet Skis
✓ Builder’s Risk
Contact us today to see what type of specialty policies we have available.
Individual Health Insurance
The world of health insurance has changed dramatically in recent years. It’s a very different landscape than it was just a few years ago. If your employer doesn’t offer a group health insurance plan, then you’re probably feeling a little overwhelmed with finding the right coverage for you and your family. Landry Insurance works with multiple insurance companies and can show you the differences in what each company has to offer, and the benefits included with each plan. Contact our health insurance specialists today.
Group Health Insurance
Employer-sponsored health insurance offers coverage for employees and often their dependents. Employers and employees can share costs, and there are tax incentives to businesses that provide group health coverage. Plans can be fully-funded by a health insurance carrier, which are state-regulated, or self-funded by the employer, which are federally regulated. Carriers offer a number of group plans with varying options for deductibles, co-pays, annual limits, eligibility and provider networks.