Over the years, one of the most persistent sources of confusion I’ve encountered is the difference between ADD and ADHD. Many people think the two terms are interchangeable — and technically, thanks to some changes in diagnostic language, they aren’t entirely wrong. But clinically, the differences matter. And understanding those differences can be the key...
In many parts of coastal and low-lying Louisiana, flood insurance has shifted from a standard safeguard to a major challenge. As flood frequency increases and claims continue to rise, some areas are facing reduced access to coverage—or none at all—from private insurers. The term “uninsurable” has started appearing more frequently in conversations about homeownership in...
The shift toward remote work has expanded across industries, from healthcare and construction to e-commerce and consulting. As more professionals move their operations from commercial spaces to living rooms, garages, and spare bedrooms, business insurance must evolve to reflect these changes. A physical relocation may feel like a simple adjustment, but coverage gaps can appear...
Navigating senior insurance plans often feels like decoding a foreign language. Between Medicare, supplemental policies, enrollment windows, and premium structures, it’s no surprise that myths and misconceptions tend to spread faster than facts. Unfortunately, misinformation can lead to costly mistakes, delayed coverage, or missed benefits—especially during key life transitions like retirement. Understanding the truth behind...
Commercial property insurance is one of the most critical types of coverage any business owner can carry—yet it is often overlooked or misunderstood. Whether operating a family-owned shop in Houma or managing multiple commercial locations throughout Louisiana, safeguarding the physical components of a business is essential to its longevity. Commercial property insurance offers protection for...
Long-term care insurance is often left off the financial planning checklist until a crisis forces it into the spotlight. Yet, it plays one of the most critical roles in protecting personal finances, preserving dignity, and reducing the burden on families. With the cost of care rising and Americans living longer than ever, preparing for long-term...
Choosing the right combination of insurance policies is an important part of maintaining long-term health and financial security. One option that often comes up during open enrollment or policy renewal periods is bundling health, dental, and vision insurance. On the surface, this approach may seem convenient, but it’s important to understand how bundling works, what...
General liability insurance serves as a cornerstone of protection for businesses of all sizes and industries. While it may not grab headlines, this form of coverage is often the first line of defense when something goes wrong. From minor accidents to serious lawsuits, general liability policies are designed to respond to a broad range of...
Purchasing a used recreational vehicle (RV) opens the door to travel, freedom, and flexibility—but it also comes with insurance considerations that differ from those associated with new models. Coverage for a used RV must reflect its current condition, intended use, and unique risk profile. Understanding how insurance policies are structured for used RVs helps protect...
Medicare Supplement Insurance, commonly referred to as Medigap, is designed to help cover the out-of-pocket costs not paid by Original Medicare. These costs may include deductibles, copayments, and coinsurance. While Medigap policies can offer significant benefits for managing healthcare expenses, not everyone qualifies automatically. Understanding eligibility rules is essential before applying for a plan. The...
