Category Archives: Personal Insurance

Five Tips to Lower Your Insurance Premium

How Low Can You Go Limbo

As insurance professionals, we are often asked for tips and tricks to keep the cost of insurance premiums low. While there is no sure way to guarantee a specific price, there are ways you can reduce your insurance premium to the lowest possible rate for you. By this, we mean that costs may not the…

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5 Favorite Hurricane Preparedness Tips from Garcia Insurance Services

NOAA (National Oceanic and Atmospheric Administration) is predicting a near-normal Atlantic hurricane season this year. Like everyone in South Louisiana, we’re hoping for no reason to evacuate or much less prepare for a storm, but we know that evacuation and hurricane preparedness is our reality living in New Orleans. We wanted to share with you…

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Five ways to improve your credit score

A lot of advice and insight we give our clients and prospective clients regarding insurance rates typically includes information surrounding “credit score”. Having a high credit score typically correlates with being responsible with your money, which is why a good credit score can help lower your insurance rate. What if your credit score isn’t as…

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The Driver Who Hit Me Doesn’t Have Car Insurance

A client of ours was in a parking lot waiting kindly and patiently for a car ahead of him to back out safely so they can both be on their way. Ironically, another driver who had been parked (to the left of our client) backed out and hit the left rear side of our client’s…

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How does my credit score affect my insurance premiums?

Have you recently applied for a homeowners insurance policy? What about a car insurance policy? The cost of insurance seems to go up every year especially in New Orleans, where the threat of flooding and other natural disasters increase the cost of your coverage. While you can’t control mother nature and its effect on the…

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The importance of understanding your deductible

We’re tested every year. It’s a way of life in Southeast Louisiana. Every year the roofs of our houses are tested by battering hail, our windows and walls by gusting winds, and our brains by the application of confusing deductibles on our homeowners insurance.  If you’ve made a claim for storm damage against your insurance…

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Insurance Saftey Tips

Hurricane Safety When mandatory evacuations are issued for a hurricane, evacuate. If it is not mandatory, but the opportunity presents itself, evacuate. Before the start of hurricane season, verify with your insurance agent that homeowners and flood insurance polices are in place. Remember: Homeowners insurance does not, and will not, cover flood damage. Update photographs…

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FEMA: Insurance Applies if Oil from Spill Mixes with Flood Waters

The Federal Emergency Management Agency has clarified that in the event of a declared flooding disaster, National Flood Insurance Program coverage will apply even if oil from the British Petroleum deep well blowout in the Gulf of Mexico is mixed with flood waters. The NFIP will bill BP for reimbursement for any claims it pays…

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