Ramona Deculus

I have been with State Farm for over 25 years, and my team has over 60 years of insurance experience. I have personally witnessed the importance of having the right coverage when a storm strikes. My goal is for you to be prepared because claim time is the wrong time to find out you don't have the right coverage.

Our experience and expertise are designed to help you protect what you have today and plan for the future. With decades of experience involving the risks that families and businesses face in Louisiana, Texas, Mississippi and Arkansas we will help you be prepared for the unexpected.

Every day we sit down with our customers to understand what matters most to them and offer insurance options to help mitigate losses. My team and I want to get to know you and your family. We often ensure generations of family members as they are often referred to us by current customers. Then we help them prepare for the unexpected weather events and family changes. Purchasing life insurance is a natural progression so it can be there when you can't. Nothing can replace you or your spouse or a child, it replaces your income so your family's dreams can continue- college plans, monthly home payment, business goals, and everyday expenses. No matter where life takes you, it's one of the most powerful ways to protect the people you love and keep their future on tract.

Call our office today to explore life insurance options to personalize to fit your family's needs.

The Deculus Insurance Agency is proud to serve Louisiana, Texas, Mississippi and Arkansas.

Insurance products we offer:

· Auto

· Homeowner’s

· Renter’s

· Condo

· Business

· Life

· Flood

· Financial services

Are you interested in coverage by the top insurance provider in the country? We would love the opportunity to give you a complimentary coverage review and quote on your insurance policies. Are you moving to Louisiana, Texas, Mississippi or Arkansas? Moving can be stressful, let us help make it easy.

Our goal is to help you make sure your life goes right, for the right price by identifying the coverages you need. We are excited about the opportunity to assist customers in navigating insurance, retirement and long-term savings goals. No goal is too big to accomplish when you have a plan. It all starts with a simple conversation. These services we provide will equip you with the necessary tools to proactively prepare for life’s unforeseen challenges.

• I believe in volunteerism and community service because together, we can build a better community. My agency loves to support local organizations such as the NOLA Habitat for Humanity, Second Harvest Food Bank of New Orleans and cultural events like Nola Zydeco Festival.

• Whether you prefer reaching out via phone call, online engagement, text message, or visiting our office in person, I warmly invite you to connect with my remarkable team because if it's important to you, It's important to us.

Frequently Asked Questions (FAQs)

Q: How do I get car insurance quotes?

A: You can get car insurance quotes online, by phone, or with a local agent by sharing details about your vehicle, driving history, and coverage needs. Ramona works with Terrytown residents to find coverage that fits.

Q: How fast can I get car insurance?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. For personalized coverage in Terrytown, LA, reach out to Ramona.

Q: What coverage is required when leasing a car?

A: If you're leasing a vehicle, the requirements are usually a bit higher than standard coverage. In most cases, you'll need liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. We're always happy to walk you through exactly what's needed. Connect with Ramona for insurance guidance in Terrytown.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your chosen beneficiaries if you pass away while the policy is active. As long as coverage remains active, it can help give your loved ones financial support when they may need it most. In Terrytown, you can count on Ramona for personalized service.

Q: How would you explain renters' insurance?

A: Renters insurance is a policy designed to help protect your personal belongings and provide liability coverage while you're renting a home or apartment. It focuses on your possessions and potential risks, rather than the building itself, which is typically covered by your landlord's policy. Ramona is here to help your family with the coverage they need and the personalized service they deserve.

Q: Do you have to have home insurance?

A: Whether homeowners' insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Looking for coverage? Talk with Ramona about your options in Terrytown.