Home Insurance in Louisiana

A standard Louisiana homeowners policy (HO-3) covers four main areas: your dwelling's structure, personal belongings, personal liability, and additional living expenses if your home is uninhabitable. It protects against perils like fire, wind, hail, lightning, theft, and vandalism. Important for Louisiana homeowners: standard policies do not cover flood damage, so you'll need a separate flood insurance policy for that.

Almost certainly. Much of South Louisiana, including East Baton Rouge, Ascension, and Livingston parishes, is among the most flood-prone in the country. The August 2016 floods damaged over 110,000 Louisiana homes, many outside designated flood zones. If you have a federally backed mortgage in a FEMA high-risk zone (Zone A or AE), flood insurance is required by law. But even in moderate- and low-risk zones (Zone X), we strongly recommend it. Over 25% of all flood claims nationally come from outside high-risk areas. We can bundle your flood policy alongside your homeowners coverage so you're covered on both fronts.

Louisiana homeowners insurance averages around $2,000-$3,500 per year, which is higher than the national average due to hurricane and storm exposure. Your actual premium depends on your home's age, construction type (brick vs. frame), roof condition, square footage, distance from fire stations, claims history, and the deductible you choose. Because we're an independent agency, we compare rates from multiple carriers to find you the most competitive price, and homeowners who switch to us often save 15-25% on their premiums.

Your dwelling coverage should equal the full replacement cost to rebuild your home at today's construction prices, not your home's market value or purchase price. In Louisiana, rebuilding costs typically range from $150-$250 per square foot depending on materials and finishes. We'll help you calculate the right amount and make sure your personal property limits, liability coverage, and deductibles are set correctly for your situation.

A captive agent (like those at State Farm or Allstate) can only sell policies from one company. An independent agent like Chabert Insurance represents multiple carriers, so we can compare rates and coverage options across the market to find the best fit for your home. If your needs change or rates increase, we can re-shop your policy without you having to start over with a new agent.

Call us first at (225) 395-4000. We'll walk you through documenting the damage and help you file the claim with your carrier. While the claims process is handled directly by your insurance company, we're here to answer questions, explain what's happening, and make sure you know your options every step of the way.