L&R Elite Insurance

Our insurance products and services

How may we help?

With many years of experience in the insurance industry, we put our knowledge to work for you. We represent a carefully selected group of reputable insurance companies. Your policy will be placed with a company offering the best coverage at a competitive price.

As an independent agency, you can count on us for professional and dependable service. Whether you need personal or commercial insurance, we will provide coverage you can count on to protect the things that are most important to you.

Please take a few moments to familiarize yourself with different types of insurance policies listed below and see how we can serve you!

If you have any questions, give us a call, stop by or send us an e-mail.

Types of insurance

Flood

Did you know that your homeowners insurance does not cover flood damage? Insurance against flood must be obtained separately. A flood insurance policy also reimburses you for the work that you and other family members did to sandbag your homes, move furniture and remove debris.

The Federal Emergency Management Agency's (FEMA) maps are important when it comes to flood insurance because if they show that your home sits in a 100-year flood plain, you must buy federal flood insurance in order to get a mortgage. If you live outside a high-risk zone, or if you no longer have a mortgage, flood insurance is optional.