PERSONAL INSURANCE FOR THE THINGS THAT MATTER MOST
Home, auto, flood and personal insurance solutions backed by a dedicated team that takes the time to understand your coverage needs.
COVERAGE BUILT AROUND YOUR LIFE
Your home, vehicles and personal assets deserve more than a one-size-fits-all policy. Our personal insurance team works with clients throughout Louisiana to review their coverage, identify potential gaps and explore options from multiple insurance markets.
Why Choose Us?
DEDICATED PERSONAL INSURANCE TEAM
A team focused specifically on helping clients with their home, auto, flood and other personal insurance needs.
INDEPENDENT MARKET ACCESS
As an independent agency, we can evaluate options from multiple insurance carriers rather than representing only one company.
THOROUGH COVERAGE REVIEWS
We review limits, deductibles, property information, drivers and other exposures to help identify areas that may need attention.
Frequently Asked Questions about Personal Insurance
Navigating personal insurance can be complex, but we're here to help. Below are some common questions we receive about our homeowners, auto, life, and recreational coverage options. Our goal is to provide clarity and support as you make informed decisions about your insurance needs.
WHAT PERSONAL INSURANCE DOES PELICAN STATE OFFER?
Pelican State Insurance Advisors helps Louisiana clients with homeowners, auto, flood, personal umbrella, motorcycle, RV, ATV and other personal insurance needs. Our team can also help review how these policies work together as part of your overall insurance program.
HOW OFTEN SHOULD I REVIEW MY HOME AND AUTO INSURANCE?
It's a good idea to review your coverage before renewal and whenever something significant changes. Home renovations, a new roof, new vehicles, additional drivers, teen drivers, valuable purchases or changes in how a property is used can all affect your insurance needs.
WHAT SHOULD I CONSIDER WHEN CHOOSING AUTO INSURANCE?
Price is only one consideration. Liability limits, uninsured/underinsured motorist coverage, physical damage deductibles, vehicle usage and the drivers in your household can all affect how well your auto policy protects you.
DO I NEED FLOOD INSURANCE IF I'M NOT IN A HIGH-RISK FLOOD ZONE?
Flooding can occur outside designated high-risk flood zones, and standard homeowners insurance generally does not cover flood damage. Flood insurance can provide separate protection for covered flood losses based on the policy selected.
WHAT IS A PERSONAL UMBRELLA POLICY?
Personal umbrella insurance provides additional liability protection above certain underlying policies, such as home and auto insurance. It can help provide an additional layer of protection when a covered liability claim exceeds the limits of an underlying policy.
CAN I BUNDLE MY HOME AND AUTO INSURANCE?
Many insurance carriers offer options for placing home and auto coverage together, which may provide pricing or coverage advantages. However, bundling isn't always the best option. Our team can compare the available options and help determine what makes sense for your situation.
WHEN WAS THE LAST TIME YOU REVIEWED YOUR COVERAGE?
Life changes, and your insurance should change with it. A new home, vehicle, driver, renovation or major purchase can affect the coverage you need. Our personal insurance team can review your current policies and help identify areas that may need attention.
