Chabert Insurance of Baton Rouge

08/26/2026

Your homeowners insurance company used to be able to drop you with 30 days notice. As of July 1, that's now 60 days, and they have to tell you why.

That's one of several changes Louisiana just made to its insurance laws. Some help homeowners. One took away a protection you might not know you lost. We wrote up the whole list, including the rule that says you only pay one hurricane deductible per year no matter how many named storms hit.

Link in comments.

08/09/2026

Nobody wants to hear this on a Sunday, but here goes: your homeowners policy does not cover flood damage. Not from a hurricane, not from a no-name storm that parks over your street for six hours. Never has.

We already had two tropical systems brush Louisiana in July, and the real peak of hurricane season starts in about two weeks. Flood insurance has a 30-day waiting period, which means a policy bought today isn't protecting you until September. August is the actual deadline. Not September.

And before anybody says it: "I'm not in a flood zone" is not the defense you think it is. Most flood claims in Louisiana come from outside the high-risk zones. Ask the folks who flooded in 2016 how their flood zone worked out.

If you don't know whether you have flood coverage, that's a 30-second look at your policy or one message to me. This is the week to do it. We have a free tool on our website that let's you get real flood quotes and even purchase the policy in minutes.

08/07/2026

PSA before the weekend: Louisiana drivers are about to start getting emails about insurance refund checks. Some of those emails will be real. Some will be scams, because scammers read the news too.

The real ones will never ask you to pay a fee, "verify" your bank login, or click a link to release your money. If money is owed to you, it shows up without you doing a thing.

Forward this to the person in your family who clicks on stuff. You know the one.

08/05/2026

Unpopular opinion from a Louisiana insurance agent: if you bought your homeowners policy in 2023 or 2024, there's a good chance you're overpaying today.

Not because anybody scammed you. Because you bought at the single worst moment in the history of this market, and the market is starting to see change.

In 2024, FIFTY insurance companies filed to raise home insurance rates in Louisiana. In 2025, it was 27. So far this year? Four. Meanwhile nine have filed to LOWER rates, and 21 new companies have entered the state in the last three years.

I've been doing this a while. I have never gotten to type that paragraph before.

I'm not telling you insurance is cheap now. It isn't. What I'm telling you is that for the first time in five years, insurance companies are competing for Louisiana homes again, and the people still paying crisis-era prices are mostly the ones who never asked for a second look.

So here's my offer. Comment your parish below (or message me if you'd rather keep it private) and I'll tell you straight whether it's worth re-shopping your policy right now. Worst case, I confirm you already have a good deal, and you get to feel smug about it.

07/27/2026

We're hiring, and you can probably help.

We are looking to hire a couple of new agents (the folks who quote and sell home and auto). If you know somebody great in sales, or somebody already selling insurance for one of the captive companies who's tired of having one carrier and one rate, we want to meet them.

It's a great career: base salary plus commission and renewals, $45k to $75k expected the first year, full benefits, and an incredible service team that takes care of service and renewals so they can focus on getting new clients.

Tag somebody below, share this post, or have them message the page. Job listing is in the comments.

07/18/2026

Help us in wishing Whitney a very happy birthday! She takes such great care of our clients and keeps our office fun. Hope you have a great day!

07/16/2026

"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

07/09/2026

What flood zone is your house in?

After all this rain, it's the question everyone's asking. Our free tool answers it in 10 seconds. Type your address, see your zone on a map. No email, no signup.

Check your address: chabertofbatonrouge.com/louisiana-flood-zone-map

Want numbers too? Get an instant flood quote right on the page.

If this was helpful for you, leave us a comment to let us know.

07/08/2026

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.

05/26/2026

We're in The Advocate this week.

They ran a Q&A with Evan on the homeowners insurance questions Louisiana families ask us the most. Premiums, non-renewals, why the market's been so rough, and what an independent agent actually does for you.

If insurance has been a headache lately, give it a read.

Louisiana homeowners are facing some of the highest insurance costs in the country, and many are asking the same questions: Why are rates climbing? Why are quotes so different? And