Along Louisiana’s Gulf Coast, property ownership carries a special kind of pride—and a special set of risks. From Houma to Grand Isle, homes and businesses along the coast face conditions that change the insurance game entirely. Salt air, shifting water tables, and storm exposure make coastal properties some of the most challenging to insure, and...
Life changes constantly. Careers grow, families expand, and retirement approaches faster than expected. Each stage brings unique responsibilities and priorities, and those shifts influence the type and amount of life insurance that makes sense. Planning ahead ensures financial protection remains aligned with current needs, rather than staying fixed on outdated circumstances. Early Adulthood – Singles...
As storm-related weather events become more frequent across the Gulf Coast, property owners in Southeast Louisiana are facing growing concerns over what is and isn’t covered by existing homeowners insurance policies. ADDvantage Insurance, located in Houma, Louisiana, is providing guidance on the necessary steps to take when storm damage occurs and is not covered under...
When most people think of life insurance, the focus usually lands on big policies that cover income replacement, mortgage payoff, or college tuition for surviving family members. But for many households, a different kind of policy serves a more immediate, practical purpose—final expense insurance. Final expense insurance is designed to do exactly what the name...
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...
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...
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...
