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Zeal Insurance At Zeal Insurance, we’re passionate about protecting what matters most. Let us help you secure your future.

The name "Zeal" reflects our commitment to putting time and energy into finding the right solutions for you — today, tomorrow, and always.

🚨 **INSURANCE LINGO — DAY 16** 🚨💰 **COINSURANCE: WHY INSURING FOR LESS CAN COST YOU**“Why do I need to insure my buildin...
10/09/2026

🚨 **INSURANCE LINGO — DAY 16** 🚨

💰 **COINSURANCE: WHY INSURING FOR LESS CAN COST YOU**

“Why do I need to insure my building for THAT much?”

It’s a question insurance agents hear all the time. 👀

And sometimes, the answer comes down to **COINSURANCE.**

Coinsurance is a provision in some insurance policies that can affect how much the insurance company pays after a covered loss if the property wasn’t insured to the required percentage of its value.

Here’s the simple version:

🏠 Your home is valued at $300,000.
📋 Your policy has an 80% coinsurance requirement.
💰 You may need at least $240,000 of coverage to satisfy that requirement.

If you carry less than the required amount and have a claim, **you could receive much less than you expected.**

And here's the part people sometimes miss…

🚨 **Your coverage limit isn't always the only number that matters.**

The policy's valuation, coinsurance requirement, and the amount of insurance you actually carry can all play a role in how a claim is calculated.

💡 **Insurance Lingo Tip:**

Trying to save money by carrying less coverage can sometimes create a much bigger financial problem when a loss occurs.

That's why it's important to understand **how your policy calculates a claim—not just what your premium costs.**

Have questions about your coverage or a coinsurance requirement?

📞 **Zeal Insurance | 985-873-8000**

💙 *We'll speak insurance so you don't have to.*

🚨 **INSURANCE LINGO — DAY 15** 🚨🌪️💧🔥 **PERIL: WHAT ACTUALLY CAUSED THE DAMAGE?**When something goes wrong, most people t...
10/08/2026

🚨 **INSURANCE LINGO — DAY 15** 🚨

🌪️💧🔥 **PERIL: WHAT ACTUALLY CAUSED THE DAMAGE?**

When something goes wrong, most people think:

👉 “My house was damaged. I have insurance. So it’s covered… right?”

Well… **not always.** 👀

Insurance doesn’t just look at **WHAT** was damaged.

It also looks at **WHAT CAUSED THE DAMAGE.**

That cause is called a **PERIL**.

A peril is an event or cause of loss that can result in damage to your property.

Examples can include:

🔥 Fire
🌪️ Windstorm
⚡ Lightning
🌧️ Hail
💨 Hurricane
💧 Certain types of water damage

But here's where it gets important…

**Not every peril is automatically covered by every policy.**

Some policies provide broader coverage, while others cover only specifically listed causes of loss. Certain causes may also be subject to exclusions, limitations, or special conditions.

💡 **Insurance Lingo Tip:**

When you're asking, **“Is this covered?”**

One of the first questions your insurance company will ask is essentially:

👉 **“What caused the damage?”**

Because the answer can make a BIG difference.

🚨 **Damage alone doesn't tell the whole insurance story. The cause matters!**

Understanding the difference between a **covered peril, excluded peril, and limited coverage** can help you better understand what your policy is actually designed to protect.

Have questions about a loss or what your policy covers?

📞 **Zeal Insurance | 985-873-8000**

💙 *We'll speak insurance so you don't have to.*

🚨 **INSURANCE LINGO — DAY 14** 🚨📄 **BINDER: ARE YOU ACTUALLY INSURED YET?**You paid for your insurance.You received a qu...
10/07/2026

🚨 **INSURANCE LINGO — DAY 14** 🚨

📄 **BINDER: ARE YOU ACTUALLY INSURED YET?**

You paid for your insurance.
You received a quote.
You signed the paperwork.

So… **ARE YOU COVERED?** 👀

Not necessarily.

That’s where an **INSURANCE BINDER** comes in.

A binder is generally a temporary document that provides evidence of insurance coverage **before the formal policy documents are issued.**

Think of it as a temporary confirmation that coverage has been put in place — but there’s an important catch:

⚠️ **A quote is NOT the same thing as a binder.**
⚠️ **An application is NOT necessarily proof of coverage.**
⚠️ **Payment alone doesn’t automatically mean coverage is bound.**

The word **“BOUND”** is the key! 🔑

Once coverage is actually bound, your agent or insurance company can provide documentation confirming the coverage and effective date.

💡 **Insurance Lingo Tip:**
Don’t assume you’re covered just because you received a quote or completed an application.

If you’re purchasing a new home, getting a new vehicle, changing insurance companies, or facing a deadline to provide proof of coverage, **make sure you know exactly when your coverage becomes effective.**

And if you’re ever unsure…

📞 **ASK!**

At **Zeal Insurance**, we’re happy to help explain what’s happening with your coverage so there are no surprises.

📞 **Zeal Insurance | 985-873-8000**

💙 *We’ll speak insurance so you don’t have to.*

#

🚨 **INSURANCE LINGO — DAY 13** 🚨🚗💥 **SUBROGATION: WHY YOUR INSURANCE COMPANY MAY GO AFTER THE OTHER GUY**Let’s say someo...
10/06/2026

🚨 **INSURANCE LINGO — DAY 13** 🚨

🚗💥 **SUBROGATION: WHY YOUR INSURANCE COMPANY MAY GO AFTER THE OTHER GUY**

Let’s say someone else causes an accident and damages your vehicle.

Your insurance company may pay for your covered damages according to your policy — but that doesn’t necessarily mean the story ends there. 👀

That’s where **SUBROGATION** comes in.

Simply put, subrogation is when your insurance company seeks to recover the money it paid out from the person or insurance company responsible for the loss.

👉 **Your insurance company pays you.
👉 Then they may pursue the responsible party.**

For example:

🚗 Someone backs into your parked car.
💰 Your insurance pays for the covered repairs.
🔎 Your insurance company may then seek reimbursement from the at-fault driver's insurance company.

And here's the good news…

**You may not have to handle that entire process yourself.** Your insurance company can often pursue the responsible party on your behalf, depending on the circumstances and your policy.

💡 **Insurance Lingo Tip:**
Subrogation basically means **“we paid for this loss, and now we’re going to see if the responsible party can reimburse us.”**

Insurance has a LOT of terminology that can sound confusing. That’s why we’re here to help you understand what your policy actually means.

📞 **Zeal Insurance | 985-873-8000**

💙 *We’ll speak insurance so you don’t have to.*

🚨 **INSURANCE LINGO — DAY 12** 🚨🏠 **LOSS OF USE: WHERE DO YOU LIVE IF YOUR HOUSE IS UNINHABITABLE?**Imagine a covered lo...
10/05/2026

🚨 **INSURANCE LINGO — DAY 12** 🚨

🏠 **LOSS OF USE: WHERE DO YOU LIVE IF YOUR HOUSE IS UNINHABITABLE?**

Imagine a covered loss leaves your home unsafe to live in.

Maybe there’s a major fire. 💨
Significant storm damage. 💧
Or another covered event that means you have to temporarily move out.

But here’s the question most people don’t think about:

👉 **WHERE DO YOU GO?**

That’s where **Loss of Use** coverage can help.

Depending on your policy, Loss of Use may help pay for certain **additional living expenses** when a covered loss makes your home uninhabitable — things like temporary lodging, increased food costs, and other necessary expenses while your home is being repaired.

🏨 Hotel or temporary housing
🍽️ Increased meal expenses
🧺 Other necessary additional living expenses

And remember: **Loss of Use has limits and conditions**, so it’s important to understand what your specific policy provides.

🚨 **You don’t want to wait until you’re standing outside your damaged home to wonder where you’re going to stay.**

💡 **Insurance Lingo Tip:**
Your homeowners policy isn’t just about repairing your house. It can also provide important protection for **where you live while repairs are happening.**

Have questions about your Loss of Use coverage? **Let Zeal Insurance help you understand what your policy actually provides.**

📞 **Zeal Insurance | 985-873-8000**

💙 *We’ll speak insurance so you don’t have to.*

🚨 **INSURANCE LINGO — DAY 11** 🚨🏠 **UNDERINSURED: WHEN YOUR INSURANCE ISN’T ENOUGH**Think your home is fully protected b...
10/02/2026

🚨 **INSURANCE LINGO — DAY 11** 🚨

🏠 **UNDERINSURED: WHEN YOUR INSURANCE ISN’T ENOUGH**

Think your home is fully protected because you have a homeowners policy?

Not necessarily. 👀

Being **underinsured** means your coverage may not be enough to fully rebuild, repair, or replace what you’ve insured after a covered loss.

And here’s where things can get tricky…

📈 Construction costs change.
🏠 Your home may have been remodeled or improved.
🧱 Building materials and labor aren’t what they used to be.
💰 Your coverage amount may not have kept up.

So if disaster strikes, having a policy isn’t always the same as having **ENOUGH coverage.**

🚨 **The worst time to find out you’re underinsured is AFTER a major loss.**

One of the most important things you can do is make sure your coverage limits still make sense for your home and your current situation.

💡 **Insurance Lingo Tip:**
Don’t just ask, “Do I have insurance?”
Ask, **“Do I have ENOUGH insurance?”**

At **Zeal Insurance**, we’re here to help you understand your coverage and make sure you know what you’re paying for.

📞 **Zeal Insurance | 985-873-8000**

💙 *We’ll speak insurance so you don’t have to.*

**Insurance Lingo – Day 10** post for the **Declarations Page**:📋 INSURANCE LINGO — DAY 10**THE CHEAT SHEET TO YOUR POLI...
10/01/2026

**Insurance Lingo – Day 10** post for the **Declarations Page**:

📋 INSURANCE LINGO — DAY 10
**THE CHEAT SHEET TO YOUR POLICY! 👀**

Ever open your insurance policy and think…

**“Ummm… what am I actually looking at?” 😂**

Meet your **Declarations Page**—one of the most useful pages in your insurance policy!

Think of it as your policy’s **quick-reference sheet.** 📝

It typically shows important information such as:

🏠 What property or vehicles are insured
💰 Your coverage limits
💵 Your deductibles
📅 Policy effective dates
👤 Named insureds
🚗 Important coverage details and options

Instead of digging through page after page of insurance language, your Declarations Page gives you a **snapshot of the key details of your policy.**
🚨 ZEAL TIP:

**Don’t just file it away and forget about it!**

Your coverage limits and deductibles can change when your policy renews, so it’s a good idea to review that page regularly.

**Know your numbers BEFORE you need your insurance!** 💙

📞 **Zeal Insurance | 985-873-8000**
*We’ll speak insurance so you don’t have to.*

**Insurance Lingo – Day 11: Exclusions** that explains it without sounding too technical: # # # 🚨 INSURANCE LINGO — DAY ...
09/30/2026

**Insurance Lingo – Day 11: Exclusions** that explains it without sounding too technical:

# # # 🚨 INSURANCE LINGO — DAY 11 🚨

**WHAT YOUR INSURANCE DOESN’T COVER 👀**

We all love hearing what our insurance **DOES** cover… but what about what it **DOESN’T**? 🤔

That’s where **EXCLUSIONS** come in.

Exclusions are situations, losses, or types of damage that your policy specifically says **aren’t covered**.

And here’s the important part…
👉 Just because you have insurance doesn’t mean **everything** is automatically covered.

For example, certain types of water damage, wear and tear, maintenance issues, or specific causes of loss may be excluded depending on your policy.

🚨 **The worst time to discover an exclusion is AFTER something happens!**

Take a few minutes to understand your policy—not just the things you *think* are covered, but the things that may have limitations or exclusions.

**Insurance Lingo Tip:**
📖 Your policy is the rulebook.
🔎 The exclusions section is worth reading!

Have questions about what your policy actually covers? **Let us help you make sense of the insurance language.**

**Zeal Insurance**
📞 985-873-8000
💙 *We’ll speak insurance so you don’t have to.*

🗣️ INSURANCE LINGO — DAY WHO KNOWS?!?TODAY'S WORD: ENDORSEMENT🚨 “WAIT… MY INSURANCE POLICY CAN BE CHANGED?” 👀An endorsem...
09/29/2026

🗣️ INSURANCE LINGO — DAY WHO KNOWS?!?
TODAY'S WORD: ENDORSEMENT
🚨 “WAIT… MY INSURANCE POLICY CAN BE CHANGED?” 👀

An endorsement is essentially an amendment or addition to an insurance policy that can change, add, remove, or modify coverage.

Think of your insurance policy as the base package… and an endorsement as something that can customize it. 🛠️

🤔 WHY SHOULD YOU CARE?

Because two people can have the same type of insurance but have very different coverage because their policies have different endorsements.

For example, depending on the policy, endorsements can be used to:

🏠 Add coverage for certain property
💍 Increase coverage for valuable items
💧 Add certain types of water-related coverage
🚗 Change or expand certain auto coverage
📋 Modify policy terms or coverage limitations

And here's the part I want your followers to think about:

DON'T ASSUME YOUR POLICY IS “STANDARD.”

Those little additions and changes can make a BIG difference when you have a claim.

👀 Have you ever actually looked at the endorsements attached to your policy?

If your answer is “Ummm… nope.” 😂

You're probably not alone!

Today is all about learning to look beyond the first page of your insurance policy.

📞 Zeal Insurance | 985-873-8000

💙 We'll speak insurance so you don't have to.

🔥 DAY 7: ACTUAL CASH VALUE (ACV)This one is VERY important because people often assume insurance will give them enough m...
09/28/2026

🔥 DAY 7: ACTUAL CASH VALUE (ACV)

This one is VERY important because people often assume insurance will give them enough money to simply go buy a brand-new replacement.

🗣️ INSURANCE LINGO — DAY 7

TODAY'S WORD: ACTUAL CASH VALUE

💰 “WAIT… YOU'RE TELLING ME IT'S NOT WORTH WHAT I PAID FOR IT?” 😳

Actual Cash Value generally takes depreciation into consideration when determining the value of covered property.

In plain English:

👉 You bought it new.
👉 You used it for years.
👉 It gets damaged or destroyed.
👉 It's probably not worth what you originally paid for it.

🚨 HERE'S WHERE IT GETS INTERESTING:

You bought a $2,000 television five years ago.

Today, that TV isn't worth $2,000 just because that's what you paid for it. It MAY be worth $500!😳

Depreciation can reduce its value.

And that same concept can apply to many types of personal property depending on how your policy is written.

That's why understanding the difference between:

ACTUAL CASH VALUE 💵
vs.
REPLACEMENT COST 🏠

can be a BIG deal when you're filing a claim.

👀 THE QUESTION TO ASK:

“If I had a covered loss tomorrow, how would my belongings be valued?”

Don't wait until after a loss to discover the answer.

📞 Zeal Insurance | 985-873-8000

💙 We'll speak insurance so you don't have to.



And this gives us a great Day 8 topic: 👉 “EXCLUSIONS — The Things Your Insurance Policy DOESN'T Cover.” That one could be especially eye-opening and make a fantastic social-media post.

Address

2043 Coteau Road
Houma, LA
70364

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+19858738000

Website

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