Hearod-Lyons Insurance Group
1823 N Parkerson Ave, Ste. C, Crowley, LA 70526
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1823 N Parkerson Ave, Ste. C, Crowley, LA 70526
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1823 N Parkerson Ave, Ste C, Crowley, LA 70526
View this agency's profile to learn more about their services.
116 E 3rd St, Crowley, LA 70526
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Learn about insurance coverage options specific to Crowley residents.
Crowley home insurance guide: costs, flood risks, hurricane coverage, and money-saving tips for Acadia Parish homeowners in 2025.
General Insurance EducationComplete insurance guide for Crowley, Louisiana. Learn about home, auto, flood coverage, Louisiana requirements, and rates for Acadia Parish residents.
Car InsuranceCrowley, Louisiana auto insurance guide: Learn about 15/30/25 minimums, new 2026 fault laws, I-10 risks, and average rates. Get the coverage you need.
Yes, you should strongly consider it. Acadia Parish has a major flood risk over the next 30 years, and recent weather events have proven that flooding can happen anywhere. Over 20% of flood claims come from outside high-risk flood zones. A separate flood insurance policy through NFIP or a private insurer typically costs $400-700 per year, which is a small price to pay compared to the average flood claim of over $30,000.
Your standard deductible applies to most claims (like fire, theft, or water damage), and it's usually a flat dollar amount like $1,000 or $2,500. Your wind/hail deductible is separate and typically calculated as a percentage of your home's insured value—usually 2-5%. So if your home is insured for $200,000 and you have a 2% wind deductible, you'll pay $4,000 out of pocket before your insurance kicks in for wind or hail damage.
You need enough dwelling coverage to rebuild your home at today's construction costs, which is often higher than your home's market value. For a median Crowley home valued at $210,500, you might need $250,000-300,000 in dwelling coverage depending on construction costs. Also make sure you have at least $300,000 in liability coverage to protect your assets if someone is injured on your property.
Yes, many insurers in Louisiana will deny coverage or charge significantly higher premiums if your roof is over 15 years old. Some companies won't insure roofs over 10 years old. If you're facing this issue, keep detailed documentation of any roof repairs or upgrades. You may also qualify for discounts if you replace your roof with impact-resistant, wind-rated materials.
Louisiana Citizens Property Insurance Corporation is the state-backed insurer of last resort. It's designed for homeowners who can't get coverage from private insurers or who can't afford the quotes they're getting. Citizens rates increased substantially in 2023, but the emergency assessment was suspended in April 2025. It's not the cheapest option, but it's there if you need it.
Slowly, yes. Louisiana saw rate increases moderate in 2025, with some insurers like SureChoice cutting rates by 7.5%. The state also licensed 10 new homeowners insurers in 2025, which is increasing competition. However, rates are still projected to reach $13,937 on average by the end of 2025—far above the national average. The market is stabilizing, but relief is gradual.
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