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Importance of Home/Renter's Insurance in Louisiana

Living in Louisiana, we know that hurricane season comes around every year. People must remember how important having either home or renters insurance can be to help save them when a disaster strikes.

Posted: Sep 26, 2021 12:56 PM
Updated: Sep 26, 2021 6:08 PM

Lafayette,LA-  Hurricanes Laura and Ida are among the most powerful storms to beat up the Louisiana coast these past two years, leaving many with no choice but to rebuild.

"I didn't have it before Katrina, and that taught me that you need some type of insurance", says New Orleans native Cassandra Turner.

Turner has been living in Lafayette since after Hurricane Hatrina. After losing everything, she learned how important it is to have home or renters insurance in her back pocket. "With the insurance now with the past storm, I felt better. I didn't feel like I was going to be without anything because I had the insurance."

I sat down with Shelter Insurance agent Josh Adams who says when that bad day happens, by having insurance, you can be at ease knowing that they will take care of what you lost. "They will take on that risk of if something bad happens, we're going to put everything back as close as possible that we can. The way it was before the actually hurricane happened."

Adams says to make sure you understand what's covered and what's not with any policy. Make sure the policy gives you exactly what you need. "It's very important to know what your policy is going to cover. When that bad time comes and if you think something is covered and it wasn't, and you didn't ask those question. That's going to be very frustrating.

Adams says that he strongly advises that people get flood insurance living here in Louisiana, and also that people should know that flood insurance is a separate policy. If you're ever in need of insurance or have questions, you can visit Shelter Insurance at  605 Silverstone Rd Ste 106, Lafayette, LA 70508.

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