BATON ROUGE, La. – In a risky move to tackle Louisiana’s spiraling insurance crisis, Governor Jeff Landry has announced a sweeping reform: the entire state will now be covered under liability-only policies—homes, vehicles, and yes, even coastal properties.
“Why pay for stuff you might lose?” the Governor asked rhetorically during a press conference held atop a flood-damaged levee. “With liability-only, we’re protected from the blame, not the consequences.”
The new plan, dubbed “Liability for All,” will reportedly reduce premiums by up to 80%, mostly by not covering anything of value. Homeowners in hurricane-prone zones are encouraged to “just not let storms hit them,” while drivers are advised to “be extra careful.”
Critics warn the policy will leave citizens completely unprotected in disasters. Landry countered, “But think of the savings!”
The initiative includes free “I Assume All Risk” bumper stickers and a hotline where residents can call and apologize in advance for future damages.
Implementation begins July 1, barring any acts of God—which, coincidentally, are no longer covered.
