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Flood Insurance for Louisiana Homes
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Essential Protection from Floods
Coverage Homeowners Policies Do Not Include
Heavy rain, storm surge, and drainage backups make the New Orleans area vulnerable to rising water. Homeowners insurance does not cover flood damage. Granen Insurance helps you compare National Flood Insurance Program options with private flood policies, then coordinates limits with Homeowners insurance so gaps are closed before the next storm.
What Flood Insurance Covers
Building and Contents Protection
Building coverage insures the structure, foundation, electrical and plumbing systems, appliances, and flooring up to policy limits. Contents coverage insures furniture, clothing, and electronics. NFIP policies exclude additional living expenses, while some private flood plans can include it. Flood insurance responds to rising water from outside the home, not burst pipes or roof leaks.
Who Needs Flood Insurance
High-risk and Low-risk Areas Alike
Lenders require flood insurance in A or V zones, but many claims occur in X zones. Premiums are often lower outside high-risk areas. Granen Insurance verifies your flood zone and elevation, then helps you decide between NFIP and private options that match your budget.
FAQ – Flood Insurance
Straight Answers for Louisiana
How long is the waiting period?
NFIP typically has a 30-day wait unless required by a new loan. Private policies may be faster.
Can renters buy flood insurance?
Yes, contents-only flood coverage is available.
Do condos need flood insurance?
Associations often carry building flood. Unit owners may still want contents flood for belongings.
Stay Ready for Louisiana Storms
Essential Protection Against Flood Damage
Standard homeowners policies don’t cover floods. Granen Insurance helps you secure FEMA-backed flood insurance to protect your home and valuables.