Commissioner Donelon urges Louisiana residents to review their insurance policies in the new year ਍㰀⼀瀀㸀ഀഀ ਍     㰀瀀㸀刀攀氀攀愀猀攀搀㨀 䨀愀渀甀愀爀礀 㤀Ⰰ ㈀　　㜀㰀⼀瀀㸀            ഀഀ ਍㰀瀀㸀吀栀攀 䰀漀甀椀猀椀愀渀愀 䐀攀瀀愀爀琀洀攀渀琀 漀昀 䤀渀猀甀爀愀渀挀攀 爀攀洀椀渀搀猀 挀漀渀猀甀洀攀爀猀 琀栀愀琀 琀栀攀 戀攀最椀渀渀椀渀最 漀昀 琀栀攀 渀攀眀 礀攀愀爀 椀猀 愀 最漀漀搀 琀椀洀攀 琀漀 氀漀漀欀 漀瘀攀爀 愀氀氀 漀昀 礀漀甀爀 瘀愀爀椀漀甀猀 椀渀猀甀爀愀渀挀攀 瀀漀氀椀挀椀攀猀 琀漀 洀愀欀攀 猀甀爀攀 礀漀甀 栀愀瘀攀 琀栀攀 瀀漀氀椀挀椀攀猀 礀漀甀 渀攀攀搀 椀渀 琀栀攀 爀椀最栀琀 愀洀漀甀渀琀猀⸀ 㰀⼀瀀㸀ഀഀ ਍㰀瀀㸀∀䔀瘀攀爀礀漀渀攀 猀栀漀甀氀搀 挀愀爀攀昀甀氀氀礀 愀猀猀攀猀猀 愀氀氀 漀昀 琀栀攀椀爀 椀渀猀甀爀愀渀挀攀 瀀漀氀椀挀椀攀猀 琀漀 洀愀欀攀 猀甀爀攀 琀栀攀礀 栀愀瘀攀 琀栀攀 爀椀最栀琀 琀礀瀀攀猀 漀昀 挀漀瘀攀爀愀最攀 琀漀 昀椀琀 琀栀攀椀爀 椀渀搀椀瘀椀搀甀愀氀 渀攀攀搀猀Ⰰᴀ†䌀漀洀洀椀猀猀椀漀渀攀爀 漀昀 䤀渀猀甀爀愀渀挀攀 䨀椀洀 䐀漀渀攀氀漀渀 猀愀礀猀⸀ ᰀ䬠渀漀眀椀渀最 攀砀愀挀琀氀礀 眀栀愀琀 椀猀 椀渀 礀漀甀爀 椀渀猀甀爀愀渀挀攀 瀀漀氀椀挀椀攀猀 眀椀氀氀 戀攀琀琀攀爀 攀渀猀甀爀攀 琀栀愀琀 礀漀甀 眀椀氀氀 戀攀 瀀爀漀琀攀挀琀攀搀 椀昀 愀 氀漀猀猀 漀挀挀甀爀猀⸀∀㰀⼀瀀㸀ഀഀ ਍㰀瀀㸀䤀琀 椀猀 愀 最漀漀搀 椀搀攀愀 琀漀 猀挀栀攀搀甀氀攀 愀 爀漀甀琀椀渀攀 ᰀ挠栀攀挀欀ⴀ甀瀀ᴀ†眀椀琀栀 礀漀甀爀 椀渀猀甀爀愀渀挀攀 瀀爀漀瘀椀搀攀爀猀 愀琀 氀攀愀猀琀 漀渀挀攀 愀 礀攀愀爀⸀ 圀栀攀渀 搀漀椀渀最 礀漀甀爀 ᰀ挠栀攀挀欀ⴀ甀瀀ᴀ†椀琀 椀猀 椀洀瀀漀爀琀愀渀琀 琀漀 氀漀漀欀 愀琀 愀氀氀 琀礀瀀攀猀 漀昀 椀渀猀甀爀愀渀挀攀 挀漀瘀攀爀愀最攀猀Ⰰ 椀渀挀氀甀搀椀渀最 栀漀洀攀Ⰰ 愀甀琀漀Ⰰ 栀攀愀氀琀栀 愀渀搀 氀椀昀攀⸀ 䄀氀眀愀礀猀 猀栀漀瀀 愀爀漀甀渀搀 昀漀爀 椀搀攀渀琀椀挀愀氀 瀀爀漀搀甀挀琀猀 愀渀搀 猀攀爀瘀椀挀攀猀Ⰰ 猀椀渀挀攀 渀漀琀 攀瘀攀爀礀 挀漀洀瀀愀渀礀 挀栀愀爀最攀猀 琀栀攀 猀愀洀攀 爀愀琀攀⸀ 䄀渀搀 爀攀洀攀洀戀攀爀 琀栀愀琀 愀渀 椀渀猀甀爀愀渀挀攀 瀀漀氀椀挀礀 椀猀 愀 氀攀最愀氀 搀漀挀甀洀攀渀琀Ⰰ 猀漀 爀攀愀搀 椀琀 挀愀爀攀昀甀氀氀礀⸀ 㰀⼀瀀㸀ഀഀ ਍㰀瀀 挀氀愀猀猀㴀∀琀攀砀琀㘀∀㸀䠀漀洀攀漀眀渀攀爀猀 䤀渀猀甀爀愀渀挀攀㰀⼀瀀㸀ഀഀ

* Even if you are not required by your mortgage lender to purchase flood insurance, consider purchasing a flood policy. You should never assume your property won’t be damaged by flood. You can also buy a flood insurance contents policy to cover your furniture, clothing and other items that could be lost if your home is flooded. ਍ഀഀ

Auto insurance

* Talk to your agent about ways you can reduce your coverage costs, including improving your driving record, choosing a higher deductible, installing safety equipment in your vehicle or purchasing multiple policies with the same company. ਍ഀഀ

* Some health insurers take your lifestyle into consideration when determining yourpremiums. You may be able to reduce the cost of your coverage if you maintain healthy habits.

* If you are married and both spouses are offered employer health coverage, compare the two plans to determine which one best fits your needs. Be sure to evaluate the monthly premiums, co-pay requirements, deductibles and reimbursement levels.

* When buying a life insurance policy, a good rule of thumb is to buy a policy that is equal to five to ten times your annual gross income.

* Review your policy every 12 months or whenever there is a major change in your life,such as a marriage or the birth of a child.

Call the Department of Insurance toll free at 1-800-259-5300 or visit our Web site, www.ldi.state.la.us, if you have any questions or concerns regarding any insurance policies or companies.

"The Department is not only your best source for all insurance-related questions, but we also have the best understanding of the insurance issues specific to Louisiana," Donelon says.