If you’ve ever rushed to the store for emergency supplies just as a hurricane warning was announced, you know how wild our weather can be. But did you know that Louisiana’s unique weather patterns make homeowner’s insurance a necessity? Let’s dive in!

Glimpsing the Wild Louisiana Weather

Living in Louisiana, we all have our weather stories. From Hurricane Katrina to surprise thunderstorms, there’s always something happening. According to Pew Research Center, Louisiana is among the top states affected by extreme weather events:

• Hurricane Havoc: Our state has faced some of the nation’s most devastating hurricanes. Remember the $125 billion in damages from Hurricane Katrina? It’s a stark reminder of the importance of insurance.
• Rain, Rain, and More Rain: Louisiana ranks high in rainfall averages compared to other U.S. states. Consistent heavy rainfall can lead to extensive home damage over time.
• Floods, the Silent Predators: Due to Louisiana’s unique geography, floods are an almost annual tradition. A U.S. Census Bureau report shows that many Louisiana homes are in designated flood zones.

Why Louisiana Homes and Insurance are a Match Made in Heaven

“Hope for the best but prepare for the worst” is why every Louisiana homeowner should view insurance as a must-have:

• Sleeping Peacefully Amidst the Storm: With the right homeowner’s insurance, you’re covered, ensuring peace of mind during storms.
• Selling Sunshine on Rainy Days: A home with comprehensive insurance is more attractive to buyers, acting as a safety net.

Don’t Forget the Flood Insurance

Many homeowners mistakenly believe their standard insurance policy covers flood damage. With much of Louisiana in high-risk flood zones, skipping flood insurance is like going out in the rain without an umbrella:

• Beyond the Basics: Standard homeowner’s insurance is great, but you need extra protection for flooding. It’s not just about potential flood damage; it’s about peace of mind during the rainy season.
• Location, Location, Flood Location: Almost half of Louisiana’s residents live in designated flood zones. If you’re in one of these zones, flood insurance is a necessity.

Ready to Weather Any Storm?

If this article got you thinking about your insurance situation, don’t wait for the next big storm. Dive into your policy, consult with experts, and ensure your home is protected from whatever the Louisiana skies have in store with Page Insurance.