PLW-Integra Insurance Services (phares, Lites, & Walsworth)
870 Main Street, Many, LA 71449
View this agency's profile to learn more about their services.
Loading...
City directory
Many households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
870 Main Street, Many, LA 71449
View this agency's profile to learn more about their services.
110 Fisher Rd, Many, LA 71449
View this agency's profile to learn more about their services.
595 San Antonio Ave, Many, LA 71449
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Many residents.
If you have a mortgage, your lender will likely require flood insurance if you're in a designated flood zone. Even if it's not required, you should strongly consider it. Toledo Bend has experienced significant flooding, including a 2016 event when the reservoir reached record-high levels and floodgates were opened, causing damage to surrounding properties. Standard homeowners insurance excludes flood damage entirely, so without separate flood coverage, you'd pay for all flood repairs yourself.
Louisiana has some of the nation's highest home insurance rates, averaging around $5,033 to $5,256 annually for typical coverage. Rates in Many will depend on your home's value, age, construction type, and proximity to Toledo Bend Reservoir. Insurance costs are projected to increase significantly in 2025, with some estimates suggesting average premiums could reach nearly $14,000 by year's end, making Louisiana the state with the largest insurance cost increase.
Your regular deductible (typically $1,000-$2,500) applies to most claims. A hurricane deductible applies specifically when a named storm causes damage and is calculated as a percentage of your home's insured value, usually 2-5%. For a $250,000 home with a 3% hurricane deductible, you'd pay the first $7,500 of repairs out of pocket. This hurricane deductible is triggered when the National Weather Service officially names a storm and remains in effect for a specific period.
Homeowners insurance covers wind damage from hurricanes but excludes flood damage completely. To have full hurricane protection, you need both homeowners insurance and a separate flood insurance policy. This means a single hurricane can trigger claims on two different policies: your homeowners policy would cover wind damage to your roof and structure, while your flood policy would cover water damage from storm surge or heavy rainfall.
The median cost of flood insurance in Louisiana through the National Flood Insurance Program is $1,470 per year, though FEMA reports an average of $955 annually. Your actual cost depends on your property's elevation, distance from water, flood zone designation, and the replacement value of your home. Properties closer to Toledo Bend Reservoir or in designated flood zones typically pay higher premiums than properties on higher ground further from water.
Yes, several strategies can help reduce your premiums. Shop quotes from multiple insurers since rates vary significantly. Consider raising your regular deductible (not the hurricane deductible) to lower your premium. Make home improvements like roof upgrades, storm shutters, or wind-resistant features, which may qualify for discounts. Bundle your home and auto insurance with the same company, and maintain good credit since Louisiana insurers use credit-based insurance scores when setting rates.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network