An earthquake is one of the most devastating events that can happen. Your homeowners/renter’s policy will not work in the event of an earthquake. To protect yourself and your property against this, an earthquake insurance policy is specially made for this kind of disaster.
Dwelling Coverage
In California, only 10% of people purchase insurance against these risks. In Washington, the number has risen to 11.3%, and in New Madrid, it has dropped to 12.7%. Dwelling coverage helps cover the home up to its included amount.
Personal Property Coverage
The furniture. computer and TV are most likely included when buying a policy. However, you can get more coverage when you buy additional breakable coverage.
Additional Living Expenses
Is the term for the expenses you incur while relocating to another location. While some homeowner's policies cover earthquake damage, many don't. Earthquake insurance can help cover the costs of temporary living expenses, such as food and hotel stays.
Cost To Remove Debris
The most likely types of homes to be damaged by an earthquake are wood-frame homes, multi-story buildings, and brick homes. Earthquake insurance can cover the cost to remove the debris damage to your property due to the earthquake.
Important questions most of our clients asked are: “Do I need an earthquake insurance policy?” To answer this is yes! Even though your house is located where earthquakes are rare, you should acquire at least the standard policy. According to a study, all 50 states in the USA are likely to experience these ground-shaking events. Most people think that the policy is expensive, however, buying coverage can cost $800 per year, this will work with $500,000 worth of coverage.
It's crucial to have this coverage because of the high possibility of earthquakes damaging your home. Most policies allow you to set a deductible of 5%, 10%, 15%, or 25% of your dwelling coverage limit. That way, you'd pay a deductible of $45,000 if your home were destroyed by an earthquake, and your insurer would pay the rest.
Earthquake insurance covers damage caused by earthquakes, volcanoes, and other seismic events. It also specifies a period for a single event. The payout will pay for repairs and replacements to your home, other structures, and personal belongings. It also covers earthquake-related land stabilization and loss-of-use coverage. This policy is beneficial for earthquake-prone areas and those with a lot of buildings made of brick, stone, or clay.
While earthquake insurance is useful for reducing losses from earthquakes, it can be very costly, especially if your home is located in a low-risk area. In such areas, some policies will not cover the full cost of repair or rebuilding, make sure to check the state and local laws before deciding to buy a policy. This can save you thousands of dollars in the long run.
The standard homeowner policies don't cover earthquakes. But you can add earthquake insurance as an endorsement to your policy. The coverage includes the pay—for repairs to your dwelling and any other structures attached to it. If an earthquake causes damage to your personal property, it will cover the cost to remove debris. Additionally, it may even pay for extra living expenses.
The type of insurance you purchase depends on the state where you live. For example, Californian homeowners insurance is required by law to include earthquake coverage because of the high risk of seismic earthquakes. Some states do not require to have them, however, they can help you protect against quakes. Also, earthquakes can be caused by modern disposal methods. So, earthquake insurance may be worth considering even if you live in a state with a low risk of seismic activity.
Part 1: Dwelling Coverage: Sometimes referred to as Coverage A which covers home up to included amount, but not excluded with the following:
Your homeowners’ policy limit will be the same as your earthquake insurance.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
Most earthquake policies excluded landscaping, pools, fences, masonry, or separate buildings.
Renting or owning a condo, does not need to buy a policy.
Part 2: Personal Property Coverage. Also known as Coverage C which covers the things inside your home, like furniture, TVs, and computers.
A $5,000 standard limit which you can increase up to $200,000.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.
Part 3: Additional Living Expenses/Loss of Use. A Coverage D provides temporary and extra costs to live somewhere else like hotels, while your house is inhabitable or being repaired.
Typically covers temporary rentals of homes, apartments, and hotel rooms, as well as restaurant meals, temporary telephone lines, furniture rental, and laundry.
The deductibles may range between 5%, 10%, 15,%, 20%, and 25%.
More coverage can protect you if you purchase additional breakable coverage.
The limit can range from $1,500 up to $100,000.
Emergency repairs coverage pays for the cost of replacing damaged items. It typically covers 5% of your dwelling and/or personal property limit. The premium will be determined depending on your deductible. Earthquake insurance deductibles will vary, but most are between ten to fifteen percent of the total rebuild value of your home. For homeowners who are concerned about their deductible, they can purchase earthquake insurance that will cover these costs.
Whether you need it or not, it is best to understand how a single event can wiped-out all of our dreams. Prevention is always better than cure, protect yourself and your assets by buying an earthquake insurance policy, which can be beneficial shortly. Or especially if you are in a high-risk quake area.

If you are planning to buy a flood insurance policy, you should assess if your house land in a flood-prone area. Many communities can qualify for a policy through FEMA. However, if you live in an area where flood maps change frequently, you may not be able to find one without getting a quote. Vice versa, if you live in a high-risk area, you can purchase a separate policy from a private company.
A typical flood insurance policy will pay for the replacement costs of your home after a flooding event. It does not cover losses that happen before the flood. Moreover, you cannot increase the amount of coverage once the flood starts. In some areas, flood insurance is necessary, but there are also some exceptions. Generally, a flood insurance policy costs about $260 annually for a $100,000-per-inclusion limit. While this is a good start, you must ask if you need a policy.
Some areas are required to have an insurance policy by the federal government. In many cases, the insurance coverage is less than what you need, but the amount is still significant. And a flood insurance policy will provide you with peace of mind.

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If you’re staring at a leaking gutter during a Baton Rouge downpour, you’re asking the same question every homeowner eventually asks:
Do I repair these gutters… or is it time to replace them?
Here’s the honest truth from local pros: in Baton Rouge, weather is a bully. Heavy rain, sudden storms, high humidity, and long hot seasons push gutter systems harder than many parts of the country. That’s why “just patch it” can work in the short term—but sometimes it’s simply throwing money at a system that’s already failing.
This guide breaks it down in plain English: when gutter repair makes sense, when replacement is smarter, and how to decide without getting upsold. And if you want a quick answer from a real person, you can call Baton Rouge Gutters anytime—because when water’s pouring where it shouldn’t, delays get expensive.

Your gutters do one job: move water away from the roof edge and the foundation.
When gutters fail in Baton Rouge, the damage usually shows up as:
Overflow during storms
Water staining on siding
Rotting fascia boards
Erosion and pooling near the foundation
Moldy soffit areas
Landscaping washouts
So the repair vs replacement decision is really about this:
Can your current system reliably control water during Baton Rouge rainstorms?
A quality repair is perfect when the system is fundamentally sound and the problems are isolated.
You’re typically a good candidate for repair if:
The gutters are mostly straight and firmly attached
The issue is a small leak at a seam or corner
A downspout is clogged or disconnected
A section is sagging due to a few failed hangers
The pitch is slightly off (water sits in one area)
Storm wind loosened a portion, but the metal isn’t destroyed
These are common fixes a good team can handle in one visit:
Re-sealing corners and seams
Re-hanging sagging sections with proper hangers
Correcting pitch so water flows correctly
Reattaching downspouts and adding straps
Clearing clogs and flushing the system
If what you need is gutter repair in Baton Rouge, the big win is cost: you can stop water damage without paying for a full replacement—especially when your gutters are otherwise in decent shape.
Here’s where homeowners get stuck: a repair can fix today’s symptom, but replacement solves the root problem.
Replacement is usually the better call if:
You’re seeing leaks in multiple areas
Gutters are pulling away along long stretches
The system is undersized for your roof (common in heavy rain)
Sections are badly rusted, dented, or warped
Gutters overflow even when they’re clean
You’ve “repaired” the same area more than once
A key Baton Rouge factor: storm intensity. If your gutters are overwhelmed in normal rain, they’ll be useless in heavy storms.
Replacement often includes:
New seamless gutters custom-fit to your home
Correct sizing (often 5" vs 6" decisions)
New hangers and improved support
Better downspout placement and capacity
Optional guard systems to reduce clogs
If you’re leaning toward replacement, you’ll want seamless gutter installation in Baton Rouge, because seams are one of the most common leak points in older sectional systems.
If you want a quick decision, use this:
One or two problem areas
Gutters are straight, supported, and not corroded
The system handles water fine when clean
It’s a newer system (or installed correctly)
Multiple leaks + sagging + overflow
Pulling away from fascia in multiple spots
Water is pouring behind gutters during storms
System is undersized or poorly designed
Repairs are becoming a recurring bill
Baton Rouge gutters get hammered by:
Sudden heavy rainfall
Wind gusts during storms
High humidity that accelerates corrosion
Organic debris (oak leaves, pine needles, seed pods)
Heat cycles that expand/contract fasteners
That’s why maintenance matters too. A lot of “replacement” situations start as neglect: clogs force water to overflow, overflow rots the fascia, then gutters pull away and the whole system becomes unstable.
If you’re not sure whether your gutters are failing due to clogs or structural issues, scheduling gutter cleaning in Baton Rouge plus a quick inspection can often reveal the real problem.
Cost depends on the situation, but here’s the honest pricing logic:
Repair is cheaper when it’s isolated (one area, one downspout, a few hangers).
Replacement becomes cost-effective when repairs are stacking up or the system is undersized/failing in multiple locations.
Two-story homes, steep roofs, and difficult access usually increase labor.
Upgrading to 6" systems or adding guards increases material cost but can reduce long-term problems.
The biggest mistake is making the decision purely on price. In Baton Rouge, water damage costs more than gutters.
If your gutter problems are small and specific, repair is a smart move.
If your system is failing in multiple ways—or can’t keep up with Baton Rouge rain—replacement is usually the cheaper long-term decision.
Want an honest local recommendation? Call Baton Rouge Gutters and we’ll give you a straight answer based on what you’re dealing with—no pressure.
Call now: (877) 853-5701