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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
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. […]
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 […]
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 […]
What’s the difference between homeowners and dwelling policy? Generally speaking, dwelling policies are less comprehensive than homeowners policies. Homeowners insurance policies are sold as a package that can include coverage for […]
