Chabert Insurance of Baton Rouge

"I'm not in a flood zone."

Every property in Louisiana is in one. Some are just labeled lower risk, and over 20% of flood claims come from those zones.

Find yours in 10 seconds, free: chabertofbatonrouge.com/louisiana-flood-zone-map

If you're in Baton Rouge, a fortified roof isn't only about surviving the next storm. It can knock 27% to 42% off the hurricane part of your home insurance, and the state now requires carriers to give you that discount.

There's also a Louisiana tax credit worth up to $10,000 toward the work that most homeowners have never heard of, and you don't have to live on the coast to use it.

We laid out all three programs and the exact number for your parish.

Link in comments.

The most expensive car insurance in Louisiana is usually the cheapest one on paper.

We see it all the time. Someone switches to a rate $80/month lower, gets in a wreck, then learns the new policy dropped UM/UIM or cut liability to state minimum. The $500 they saved turns into a $40,000 bill.

Our new article walks through the four biggest ways people accidentally buy bad cheap insurance in Louisiana, plus real ways to lower your rate without cutting the coverage that actually protects you.

Link in comments.