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// HOME INSURANCE
Home Insurance in Baton Rouge
Your home is your biggest investment. Louisiana's storms, floods, and rising rates make protecting it complicated, but it doesn't have to be. We compare 40+ carriers to find you the right coverage at a price that makes sense.
Find the Right Policy for Your Situation
“Home insurance” isn't one product. It's a category that covers everything from standard homeowners policies to specialized coverage for condos, rental properties, mobile homes, and more. The right policy depends on whether you own or rent, whether you live in the property, and what risks matter most for your situation.
Homeowners Insurance
A standard HO-3 policy covers your home's structure, personal belongings, liability, and additional living expenses if a covered event forces you out. Louisiana homeowners pay some of the highest premiums in the country because of hurricane and storm exposure, so shopping across multiple carriers matters more here than almost anywhere else.
Learn more about homeowners insuranceRenters Insurance
Your landlord's insurance covers the building, not your stuff. Renters insurance protects your furniture, electronics, clothing, and valuables, plus gives you liability coverage and pays for temporary housing if your unit becomes unlivable. Most Louisiana renters pay just $15-$30 per month, and you can bundle it with your auto policy for an extra discount.
Learn more about renters insuranceCondo Insurance
Your condo association's master policy covers common areas and the building exterior, but everything inside your unit is on you. An HO-6 condo policy protects your interior walls, fixtures, personal property, and provides liability coverage. It also covers loss assessments if your HOA passes along costs from a major claim.
Learn more about condo insuranceLandlord Insurance
Standard homeowners insurance doesn't cover rental properties. If you own a home, duplex, or unit that you rent to tenants, you need a landlord policy. It covers the dwelling, loss of rental income if a covered event makes the property uninhabitable, and liability for injuries on the property. Rates vary depending on the property type and location, so comparing carriers is especially important for investment properties.
Learn more about landlord insuranceMobile Home Insurance
Manufactured and mobile homes face unique risks in Louisiana, especially during hurricane season. These homes are more vulnerable to wind damage, and not every carrier writes them. We work with multiple carriers that specialize in mobile home coverage, so we can find you the right policy at a rate that makes sense.
Learn more about mobile home insuranceDwelling Fire Insurance
If you own a property you don't live in, a dwelling fire policy (DP-1 or DP-3) is usually the right fit. This covers rental homes, inherited properties, and homes being renovated. It's simpler and more affordable than a standard homeowners policy because it's built for non-owner-occupied situations.
Learn more about dwelling fire insuranceVacant Home Insurance
Most homeowners policies cancel or deny claims if your home has been vacant for 60 days or more. If you're selling a home, dealing with an estate, or between tenants for an extended period, you need a vacant home policy to keep the property protected. Most carriers won't write these, but we work with the ones that will.
Learn more about vacant home insuranceUmbrella Insurance
Your homeowners policy has liability limits, typically $100K-$500K. If a lawsuit or judgment exceeds those limits, you're personally responsible for the rest. An umbrella policy adds $1M or more in extra liability protection on top of your home and auto policies. Most families pay $40-100 per month.
Learn more about umbrella insuranceGet Your Home Quote
Or call (225) 395-4000 to talk to a local agent.
Home Insurance FAQ
It depends on your situation. If you own and live in your home, you need a homeowners policy (HO-3). If you rent, you need renters insurance. Condo owners need an HO-6 condo policy. Landlords need a landlord or dwelling fire policy. And nearly everyone in Louisiana should have a separate flood policy since standard home insurance doesn't cover flood damage. We can help you figure out exactly which policies fit your situation.
No. Standard homeowners, renters, condo, and landlord policies do not cover flood damage. Louisiana is one of the most flood-prone states in the country, so you'll almost certainly want a separate flood insurance policy. We can quote flood coverage through both the NFIP and private carriers to find you the best rate. For more detail, read our guide on whether you need flood insurance in Louisiana.
Louisiana homeowners insurance averages $2,000-$3,500 per year, higher than the national average because of hurricane and storm exposure. Renters insurance runs $15-$30/month. Condo policies and landlord policies vary widely based on the property. Your exact premium depends on factors like your home's age, construction, roof condition, and claims history. Because we're independent, we can compare rates from 40+ carriers to find you the best price. For a deeper breakdown, see our article on why home insurance is so expensive in Louisiana.
A captive agent (like those at State Farm or Allstate) can only sell policies from one company. If that company's rates go up or they decide not to renew your policy, you're stuck starting over somewhere else. An independent agent like Chabert represents multiple carriers. We can compare rates across the market, and if your current carrier raises rates, we can re-shop your policy without you starting from scratch. Read more about how independent and captive agents compare.
Yes, and it's usually a good idea. Most carriers offer multi-policy discounts when you bundle your home and auto coverage, typically saving 5-15% on both policies. We can also bundle flood, umbrella, and other coverage lines. Because we work with 40+ carriers, we can find the best bundle across the market rather than being limited to one company's package. See our article on bundling insurance to save in Louisiana.
Still have questions? Call (225) 395-4000 or get your free quote.
Home Insurance Guides & Resources
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