• Rayne La Home Insurance

    Rayne La Home Insurance – Instant Quotes Available 24 Hours per Day! 

    Rayne La Home InsuranceNeed a better deal on car or home insurance in Rayne Louisiana? 

    If so contact the specialist at Hearod-Lyons Insurance Group by calling 337-514-2153 Monday through Friday.

    You can also use our convenient online rate quote system available 24 hours per day, seven days per week by clicking any of the links below for the insurance type you need: 

    I have a challenge for you. As you are shopping for insurance try to make a concerted effort to avoid basing your decision exclusively on the price of the insurance coverage. 


    By means of clever television advertisements certain insurance companies subtly convey to the general public that insurance is a commodity, when in fact it is not. 

    In a series of articles we will explore both homeowners and car insurance in some detail to help you get to know your coverage a little better so you can see that insurance certainly is not a commodity. 

    Knowing what insurance covers, and what it does not cover, can help you better manage everyday risks you face. 

    The worst possible time to learn something wasn’t covered by insurance is after the claim already happened, wouldn’t you agree? 

    Let’s get started. 

    Insurance in Rayne Louisiana — Is This Covered or Not? 

    Bradley Hunter is a true believer in insurance. He is covered by car and home insurance, he bought an umbrella policy, he has $1,000,000 of life insurance, he has accident insurance for the entire family, long-term care insurance for him and his wife, flood insurance despite not even being close to a body of water, and he even has cancer insurance. 

    Bradley also has 2 teenage sons named Alex and Mitchell who go 4-wheeling with their friends on his 100 acre property each week.

    Alex invites Tony Howser over to their property to ride their ATVs. Tony is a real daredevil; “The next Evel Knievel” Bradley jokingly mentioned to his sons that Saturday afternoon.

    In the spirit of the deceased Mr. Knievel, Tony makes a suggestion to Alex and Mitchell that they build ramps to jump over things on their ATVs. 

    Within an hour or so the industrious threesome have built two solid ramps with plywood and some 2x4s they found in the barn. They place the ramps across from each other. 

    Since it was Tony’s suggestion, the brothers give him the honor of jumping first. Tony revs his engine and with a mighty roar takes off after the countdown from Alex and Mitchell. 

    Tony flies over the first ramp and is airborne, but unfortunately the second ramp was not placed correctly. Tony hits the side of the ramp and his ATV flips, pinning him underneath. 

    Alex and Mitchell quickly get the ATV off of Tony and alert their dad who promptly dials 911. 

    Air care is dispatched to their property. It turns out Tony was not wearing a helmet and sustained a serious neck injury. 

    Who is responsible for the injuries and medical expenses? We will learn more about this in our next post.

    Insurance in Rayne Louisiana – Buy From The Specialists! 

    Purchasing insurance based on the price you pay for the coverage may lead you down the wrong road as important coverage could be missing from your overall protection. 

    Call the specialist at Hearod-Lyons Insurance Group at 337-514-2153 or use our online rate quote system to start your shopping process when you click the links below for the particular insurance you need:

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    Landlord Insurance Rayne

    Posted on December 6, 2016 by WIN Admin

    Landlord Insurance Rayne – Great Rates Can Be Found Here! If you own any type of investment properties in Louisiana including single-family residential units or apartment buildings and you’re looking for superior rates and coverage on Landlord Insurance in Rayne Louisiana or the surrounding areas make sure to reach out to the Landlord Specialist at […]

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    Posted on November 22, 2016 by WIN Admin

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    Posted on November 16, 2016 by WIN Admin

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    Posted on November 11, 2016 by WIN Admin

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