Insurance That Puts Your Family First

At Tibbetts Insurance Services, we specialize in tailored coverage for families, individuals, and businesses. With over 26 years of experience, we're here to protect what matters most to you.

Request a free quote

Insurance That Puts Your Family First

At Tibbetts Insurance Services, we specialize in tailored coverage for families, individuals, and businesses. With over 26 years of experience, we're here to protect what matters most to you.

Request a free quote

Vacant Home

Boat

Homeowners

Rental

Flood

Auto

ATV

Louisiana Flood Insurance

Flood insurance is more important now than ever before for Louisiana residents. With our ever-changing coastline and the unstable conditions of our waterways, flood maps for Louisiana are always being redrawn. Despite what some people may think,

Louisiana homeowners insurance does not cover damages caused by flooding. A separate flood insurance policy must be taken out. If a hurricane or large storm were to damage or destroy your home due to fire, tree damage, or lightening, your Louisiana homeowners insurance would cover the damage. But damage caused by flood waters are NOT covered through homeowners insurance.

We specialize in providing Louisiana residents with the flood insurance they need to protect their home. We can provide you with the most knowledge regarding flood insurance in Louisiana, and specific to your local area. We have the ability to acquire elevation certificates in 24 hours. We guarantee the best possible rate, because, through our years of experience, we have gained a vast knowledge of all the grandfather clauses associated with Louisiana flood insurance. Don’t wait another day to purchase flood insurance. By then, it may be too late.

Louisiana Flood Insurance

Flood insurance is more important now than ever before for Louisiana residents. With our ever-changing coastline and the unstable conditions of our waterways, flood maps for Louisiana are always being redrawn. Despite what some people may think,

Louisiana homeowners insurance does not cover damages caused by flooding. A separate flood insurance policy must be taken out. If a hurricane or large storm were to damage or destroy your home due to fire, tree damage, or lightening, your Louisiana homeowners insurance would cover the damage. But damage caused by flood waters are NOT covered through homeowners insurance.

We specialize in providing Louisiana residents with the flood insurance they need to protect their home. We can provide you with the most knowledge regarding flood insurance in Louisiana, and specific to your local area. We have the ability to acquire elevation certificates in 24 hours. We guarantee the best possible rate, because, through our years of experience, we have gained a vast knowledge of all the grandfather clauses associated with Louisiana flood insurance. Don’t wait another day to purchase flood insurance. By then, it may be too late.

Boat Insurance for Louisiana Residents

There are several different levels of protection available for Louisiana boat insurance, and it is important that boaters understand which level is best for them. Do you use your boat as a means to make a living, or do you use it only for recreational purposes? Our Louisiana agents can get you the exact level of coverage you need. We will assess your situation and help you choose the right boating insurance.

We will help you decide whether an Agreed Value policy or an Actual Value policy is right for you. In the event of loss or damage to your boat, an agreed value policy will pay back a set amount of money that was previously agreed-upon by you and your insurer. For example, let's say you buy a boat that costs $30,000 and agree on that amount with your insurer. If something were to cause loss of your boat years later, you would be reimbursed the agreed upon amount of $30,000. If you choose actual value coverage, your insurer will take depreciation of the boat into account at the time of the claim. That means, if you were to lose your $30,000 boat after 5 years, you would not get the full $30,000, but rather the actual value of the boat at the time of loss. Our Louisiana boat insurance agents are here to help you find out what type of coverage is best for you. We’ll work with you to find the best value possible on boat insurance. Contact our Baton Rouge insurance office to get started.

Boat Insurance for Louisiana Residents

There are several different levels of protection available for Louisiana boat insurance, and it is important that boaters understand which level is best for them. Do you use your boat as a means to make a living, or do you use it only for recreational purposes? Our Louisiana agents can get you the exact level of coverage you need. We will assess your situation and help you choose the right boating insurance.

We will help you decide whether an Agreed Value policy or an Actual Value policy is right for you. In the event of loss or damage to your boat, an agreed value policy will pay back a set amount of money that was previously agreed-upon by you and your insurer. For example, let's say you buy a boat that costs $30,000 and agree on that amount with your insurer. If something were to cause loss of your boat years later, you would be reimbursed the agreed upon amount of $30,000. If you choose actual value coverage, your insurer will take depreciation of the boat into account at the time of the claim. That means, if you were to lose your $30,000 boat after 5 years, you would not get the full $30,000, but rather the actual value of the boat at the time of loss. Our Louisiana boat insurance agents are here to help you find out what type of coverage is best for you. We’ll work with you to find the best value possible on boat insurance. Contact our Baton Rouge insurance office to get started.

MDiscounts for Homeowners

Insurance in Louisiana

We will work with you to find every possible discount that can be applied to your policy. Some available Louisiana homeowners insurance discounts include:

Non-smoker discounts
New home discount
Home renovation discount
Discount for use of certain home materials
Senior citizen discount
Discounts for use of protective devices (fire sprinklers, burglar alarm)
Multi-policy discounts (taking out Louisiana homeowners insurance and car insurance from the same company)

While these homeowners insurance discounts are some of the most common in Louisiana, many more are available. We will find every possible discount for which you are eligible and apply it directly to your premium.