Are you a business owner or do you know a business owner? If so you may want to consider reading on. Congress has just passed a bill like no other making $349 billion dollars available to businesses that have been…
Louisianans pay $2,126 on average in auto premiums. We are ranked #2 in the nation for high insurance rates! The national average is $1365. Here are the top most expensive states: STATE AVG COST Louisiana $…
Termite Season..When is it? Oh no! You left the porch light on. Now you need close your mouth tight, squint your eyes, and try to squeeze through the narrowest opening in your front door as fast as you possibly can.…
Music and food are two defining characteristics that gives New Orleans her soul. As I write this blog on my three favorite sandwiches on the Westbank, I’m listening to Kermit Ruffins and the Rebirth Brass Band. Food and music. Growing…
My house is located in a “Preferred Flood” zone or “X” zone. According to FEMA, I have a low to moderate risk of flooding in any given year. Because I’m in an “X” zone, my mortgage company, NOLA Lending, does…
Water surrounds us in New Orleans. Flooding is a reality we face living here in southeast Louisiana. Recently the National Flood Insurance Program (NFIP) has been in the news for several reasons. First, Congress must periodically renew the NFIP’s…
New Orleans Insurance Companies vs Insurance Agencies There are Insurance agencies and Insurance companies. Garcia Insurance Services is an agency. As an independent insurance agency, we represent many different insurance companies. As an independent agency, we help our clients buy…
Let’s face it..home insurance in New Orleans is expensive. If you own a home in this region there’s just no way of escaping the high cost to protect your home. In fact, after Florida, Louisiana has the highest premiums for…
Is it better to have replacement cost value (RCV) or actual cash value(ACV)? RCV, as long as you can afford the difference in premium. For example, say your policy covers your roof, which was replaced in 2007. It’s 2017 and…
I’m in a low-risk flood zone, do I still need flood insurance? The short answer is, if you live in Louisiana, yes, you should have flood insurance, but it isn’t legally required if you’re in a low-risk zone! Flooding is…