Homeowners’ and Flood Insurance

We are an Independent Insurance Agency offering the best overages for the best available prices.

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Homeowners’ Insurance

Dwelling, Rental, and Commercial

We offer Home insurance by Lighthouse, Home Wise, Geo Vera, LA Citizens, Chubb Fireman's Fund, Americas, Bankers, Centauri and Maison.

Flood Insurance

Who needs flood insurance? The answer is everyone. What is a 100-year flood? The term "100-year flood" is misleading. It is not the flood that will occur once every 100 years. Rather, it is the flood elevation that has a 1- percent chance of being equaled or exceeded each year. Thus, the 100-year flood could occur more than once in a relatively short period of time. The 100-year flood, which is the standard used by most Federal and state agencies, is used by the NFIP as the standard for floodplain management and to determine the need for flood insurance. A structure located within a special flood hazard area shown on an NFIP map has a 26 percent chance of suffering flood damage during the term of a 30 year mortgage.