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Personal Insurance

We can help to protect your family and your future at Boesch Insurance. As an independent insurance agency serving Slidell, LA, we offer policies from multiple insurance companies and can promise a wider range of coverage options with more competitive pricing. From auto and homeowners insurance to flood insurance and more, we have the resources to meet all your personal insurance needs.

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Our Personal Insurance Services

We will work with you to understand your lifestyle and needs as well as your short-term and long-term objectives in order to create a customized insurance policy or package that protects your best interests.

Our personal lines of insurance include, but are not limited to:

  • Flood Insurance
  • Homeowners Insurance
  • Condominium Unit Owners Insurance
  • Renters Insurance
  • Jewelry Floaters
  • Secondary Residences
  • Landlord Insurance
  • Personal Umbrella Policies
  • Vacant Property
  • Builder’s Risk
  • Auto Insurance
  • Antique Car Insurance
  • Motorcycle Insurance
  • Boat, Yacht, & Watercraft Insurance
  • ATV & Off-Road Insurance
  • Motorhome & Travel Trailer Insurance
    • Lines of Personal Insurance
    • Flood Insurance
    • Homeowners Insurance
    • Condominium Unit Owners Insurance
    • Renters Insurance
    • Jewelry Floaters
    • Secondary Residences
    • Landlord Insurance
    • Personal Umbrella Policies
    • Vacant Property
    • Builder’s Risk
    • Auto Insurance
    • Antique Car Insurance
    • Motorcycle Insurance
    • Boat, Yacht, & Watercraft Insurance
    • ATV & Off-Road Insurance
    • Motorhome & Travel Trailer Insurance
    Interested in business insurance?

    Why is Flood Insurance Important?

    Most homeowners insurance policies do not include flood coverage; therefore, a separate flood policy must be purchased for protection. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs vary depending on how much insurance is purchased, what it covers, and the property’s flood risk.

    FEMA is in the process of a nationwide flood zone remapping project that may affect you. With the updates to flood zone maps, your property may be remapped to a higher or lower-risk zone. At Boesch Insurance, we are ready to help you prepare for possible changes resulting from flood zone remapping.

    Frequently Asked Questions

    Auto Insurance

    What auto insurance is required in Louisiana?

    The following coverage is required by the state of Louisiana to legally operate a motor vehicle: Bodily injury liability coverage: The minimum legal requirement is $15,000 per person and $30,000 per accident. Property damage liability coverage: The minimum legal requirement is $25,000.

    Does insurance follow the car or the driver in Louisiana?

    Car insurance usually follows the car in Louisiana. The types of car insurance that follow the car in Louisiana are bodily injury liability, personal injury liability, collision, and comprehensive. You’re required to carry bodily injury liability and property damage liability in Louisiana.

    Do I need uninsured motorist coverage in Louisiana?

    No, uninsured motorist coverage is not required in Louisiana, as drivers can reject the coverage in writing.

    Is it worth getting uninsured motorist insurance?

    While your health insurance should pay for medical treatment after a wreck, uninsured motorist coverage could still be beneficial, as it can cover ongoing expenses like long-term care. … Yes, some car insurers will use your uninsured motorist coverage to pay for injuries or damage expenses after a hit-and-run accident

    Can someone not on your insurance drive your car?

    Usually, yes — your car insurance coverage should extend to anyone else driving your car. … So if you lend your car to your best friend, your sister or even your second cousin, your insurance is most often the insurance that will pay in the event of an accident.

    Do I need comprehensive and collision?

    Collision coverage pays for vehicle damage caused by crashes, while comprehensive coverage pays for any other vehicle damage, such as theft or flood damage. You must carry collision and comprehensive car insurance if you have an outstanding auto loan or leased the car.

    Home Insurance

    What is typically covered in a homeowners policy?

    In short, homeowners insurance helps protect you, your home and your belongings from a variety of unexpected events. A standard policy includes four key types of coverage: dwelling, other structures, personal property and liability. Other structures’ coverage can help pay for repairs.
    What damages does a typical homeowners insurance policy cover?

    • Windstorms
    • Hail
    • Lightning strikes
    • Fire
    • Vandalism and theft
    • Explosion
    • Falling objects
    • Damage caused by weight of snow or ice

    What are some things not covered in homeowners insurance?

    Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won’t be covered.

    Can I get homeowners insurance on a home I don't own?

    If you wish to have a homeowner’s insurance on a home that you don’t have the deed, you must take note that you can’t file a claim for the policy. The only person allowed to make the claim is the owner of the home. In this case, the policy should be listed under the name of the property owner.
    Home Insurance Deductibles – How Do They Work?
    Deductibles are what you can expect to pay out of your pocket before the insurance steps in to pay for damages. Knowing about hidden deductibles in your policy will save you a lot of time, money, and frustration if anything terrible happens to your home.

    What are the types of Deductibles?

    There are two types of deductibles on home insurance policies:
     

    1. Percent-Based Deductible (%) Hurricane or Wind/Hail Deductible
      Percentage-based deductible means that your deductible is a set percent of the Coverage A or dwelling coverage in the policy. (this is NOT the market value of your home, but the first line of coverage on your home insurance declarations page). In most cases, it’s between 1 and 5 percent of your home’s replacement value.

      So, if your policy has $200,000 of dwelling coverage for your home and you have a 2% deductible, then you would have to pay for the first $4,000 ($200,000 * 2%) of damages to your home before the insurance company starts paying. Keep in mind these % deductibles are often attached to special perils, like a Hurricane Deductible or Wind/Hail Deductible.
       

    2. Dollar Based Deductible ($)
      You pay a set $ amount anytime you file a claim. The most common deductible is $1,000. However, it can be as little as $500 or as high as $10,000.

    Flood Insurance

    What does a flood insurance policy cover?

    Flood insurance covers losses directly caused by flooding. In simple terms, a flood is an excess of water on land that is normally dry, affecting two or more acres of land or two or more properties. For example, damage caused by a sewer backup is covered if the backup is a direct result of flooding.

    For the right personal insurance coverage to meet your needs, contact us today!

    contact

    Boesch Insurance
    2090 Gause W Blvd
    Slidell, LA 70460

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    Phone: 985-288-5700
    Email: csr@boeschinsurance.com

    hours

    Monday - Friday: 9:00 AM - 4:00 PM
    Saturday & Sunday: By Appointment

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