HURRICANE & FLOOD INSURANCE
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Hurricane & Flood Insurance Information
Serving Baton Rouge, New Orleans and surrounding areas since 1929
Flood Insurance in Baton Rouge, LA
Unpredictable weather and rising water levels in Louisiana can put your home at risk. If you’re a property owner in Baton Rouge, LA, McInnis Insurance Services, Inc. can provide you with flood insurance to stay prepared.
Why Should I Get Flood Insurance?
Standard home insurance usually doesn’t cover flood damage. With the area’s low terrain and frequent storms, flood insurance can be useful for any property, even in areas not designated as high-risk.
What Does It Cover?
Flood insurance usually includes two main parts:
- Building coverage can help with repairs if a flood damages parts of your home, such as the foundation, plumbing, electrical systems, walls or built-in features like cabinets and shelves.
- Contents coverage may cover the cost of items inside your home damaged by floodwater, such as furniture, clothing, electronics, curtains and small appliances.
Many mortgage lenders ask for flood insurance if your property is in a high-risk area. But it’s also worth looking into coverage even if it’s not required.
How Much Does a Policy Cost?
Flood insurance rates may differ based on:
- Structural details (e.g., age, building materials and construction methods)
- Topography (e.g., elevation and grading on your property)
- Historical flood risk in your area
Where Can I Get Flood Insurance?
You may qualify for a plan through the National Flood Insurance Program (NFIP), depending on where you live. Private insurers may offer broader coverage and added features, albeit at a higher cost. Check with your agent to see what works for you.
Learn More
Contact McInnis Insurance Services, Inc. today to discuss your flood insurance options and get a free quote.
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