Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Baton Rouge, LA

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Baton Rouge Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

144Reviewed

93Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

11857 Bricksome Ave Suite A, Baton Rouge, LA 70816
WebsiteLicense: 871083

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Burnett Insurance Services is an independent agency catering to the risk management needs of the Baton Rouge metro. Its insurance agents assist clients in choosing homeowners' insurance plans to protect their properties and personal belongings. These agents perform comparison shopping from among various insurance carriers like Safeco and Kemper, and they also guide in selecting additional options such as medical coverage, landlord protection, and personal liability inclusion. They provide policyholders with assistance in claims processing. The agency also serves Mississippi and Texas.

  • Multiple Policy Types

11051 Coursey Blvd, Baton Rouge, LA 70816

Expertise.com Rating

Review Sources

Google
4.9 (23)

Why choose this provider?

Founded in 1968, the Lewis Mohr Insurance Agency is an independent insurance and risk management company located in Baton Rouge, Louisiana. Agency representatives search dozens of insurance carriers to find clients coverage that matches their risk at a competitive rate. Most policies include the home's structure, items inside the house, and detached buildings, such as garages, sheds, and gazebos, and liability protection, the cost of living during repairs and add another policy for flood damage

  • Flood
  • Personal Property Insurance
  • Multiple Policy Types

5559 Plank Road, Baton Rouge, LA 70805
WebsiteLicense: 88556

Expertise.com Rating

Why choose this provider?

Banner Insurance Agency is a Baton Rouge-based business that serves residential and commercial clients. Included in its wide range of products is home insurance, which helps pay for repair and replacement costs in case of damage resulting from fire, explosions, and theft. The company also offers flood, earthquake, and windstorm insurance, which may be added to standard home insurance policies. It also provides protection for mobile homeowners, renters, and landlords. Banner Insurance Agency has been operating since 1979.

  • Renter's Insurance
  • Condos
  • Homeowners

13231 Perkins Rd, Baton Rouge, LA 70810

Expertise.com Rating

Review Sources

Google
4.6 (14)

Why choose this provider?

Gabisa Insurance Agency is a local, family-owned insurance agency serving the New Orleans metropolitan, Baton Rouge, and Lafayette areas, with offices in Baton Rouge and Kenner. The company provides personal and commercial property insurance including homeowners, renters, landlords, builders risk insurance, and flood insurance. Licensed in property and casualty, life and health, and surety bonds, Gabisa Insurance Agency's staff can assist customers in English or Spanish and can provide a commissioned notary public for the state of Louisiana.

  • Renter's Insurance
  • Flood
  • Homeowners

1669 Lobdell Avenue, Baton Rouge, LA 70806
WebsiteLicense: 761453

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (3)

Why choose this provider?

Coastal Louisiana Insurance is a full-service agency servicing the Baton Rouge community. Its founder, Jeremy Jay Robicheaux, has more than 12 years of experience in the insurance industry, including financial advisory and real estate investing. The agency uses data and cloud-based technology to provide different types of policies, including a wide range of homeowners' coverage options. Its team of professional agents also specializes in high-value homes and offers insurance plans for renters, automobiles, and businesses. Services are available in English and Spanish.

  • Renter's Insurance
  • Homeowners

12057 Old Hammond Highway, Baton Rouge, LA 70816

Expertise.com Rating

Review Sources

Facebook
4.8 (14)
Google
4.6 (5)

Why choose this provider?

Tibbetts Insurance Services assists homeowners in Baton Rouge who need their places protected. The policies offered by the agency defend individuals' primary, secondary, and seasonal houses from floods, fires, and strong winds. These contracts cover cases of theft and personal injuries suffered by visitors in the premises. The firm also protects automobiles and watercraft against loss or damage. Tibbetts Insurance Services is a family-owned and independent group whose providers include Progressive, Imperial Fire and Casualty, Foremost, and Centauri.

  • Renter's Insurance

37410 Ascension Parish Rd Suite B, Prairieville, LA 70769
WebsiteLicense: 7475

Expertise.com Rating

Review Sources

Facebook
5.0 (36)
Google
5.0 (16)

Why choose this provider?

Bourg Insurance is an independent agency helping clients in Baton Rouge protect their properties through home and renters' insurance policies. It offers dwelling and personal possession coverages for accidental damage, fire, natural disaster, theft, and vandalism. The basic plans can be expanded through supplemental covers for flood damage, car and personal liability, additional temporary living expenses, and floater properties like jewelry, clothing, and art. Bourg Insurance, established in 1958, also offers life, health, business, and commercial insurance.

  • Renter's Insurance

18291 Highland Road Suite 104, Baton Rouge, LA 70810
WebsiteLicense: 332086

Expertise.com Rating

Review Sources

Google
4.9 (98)
Facebook
4.6 (32)
Yelp
5.0 (1)

Why choose this provider?

Mitch Mula is a State Farm insurance agent who serves individuals and businesses in Baton Rouge. He offers coverage options that help homeowners protect their properties and their personal belongings, including pictures, jewelry, and collectibles. The agent assesses the value and potential coverage of clients' homes to determine a plan suitable for them. He also provides auto, life, health, and business insurance products. Mitch has been serving the metro since 2013. He has earned the State Farm Ambassador Travel Qualifier title.

  • Multiple Policy Types

609 N Range Ave, Denham Springs, LA 70726

Expertise.com Rating

Review Sources

Google
5.0 (26)

Why choose this provider?

Tharpe Family Insurance in Denham Springs, Louisiana, provides home insurance for those in the Baton Rouge metro area. The agency offers coverage for homeowners against damage to or destruction of their dwelling, including specific policies to protect owners of manufactured homes and against damage caused floods. Tharpe Family Insurance is a member of Professional Insurance Agents of Louisiana, providing additional personal and business coverage, including options for auto, general liability, and commercial property.

  • Flood
  • Personal Property Insurance
  • Multiple Policy Types

11847 Bricksome Ave A, Baton Rouge, LA 70816
WebsiteLicense: 715357

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Preferred Insurance Agency provides coverage solutions to the people of Baton Rouge. It handles both personal and business lines of insurance, which include coverage premiums for homes. The homeowners' policy reimburses the cost of repairing the property's structure and replacing contents following covered events, such as severe weather damage, home invasions, and vandalism. The firm works with various carriers, including MetLife, Safeco, Foremost Insurance Group, and Centauri Insurance, to choose the right coverage option for clients.

  • Renter's Insurance

2834 S Sherwood Forest Blvd Ste B8, Baton Rouge, LA 70816

Expertise.com Rating

Review Sources

Google
4.7 (12)

Why choose this provider?

A Ace Insurance Agency Inc. is an independent home insurance agency serving the residents of Baton Rouge, that works in collaboration with multiple insurance carriers, such as Progressive and Lighthouse, to provide clients with options for covering their homes and condos. These policies cover damage to the home and buildings on the property, such as sheds and garages. A Ace Insurance Agency Inc. also sells auto and commercial coverage.

  • Renter's Insurance
  • Flood
  • Multiple Policy Types

11715 Bricksome Avenue, Baton Rouge, LA 70816
WebsiteLicense: 684051

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Hays Insurance Group is an independent insurance agency based in Baton Rouge. It represents individuals for their home insurance needs. It offers various insurance policies, including liability, medical expenses, personal property, and property coverage. Its plans can cover homeowners financially for damages or loss caused by fire, injury, or theft. The company's insurance specialists tailor specific packages to its clients' needs and risks. They help find the best policy and settle claims quickly.

  • Renter's Insurance
  • Condos
  • Multiple Carriers

7035 Jefferson Highway, Baton Rouge, LA 70806
WebsiteLicense: 314704

Expertise.com Rating

Review Sources

Google
4.0 (59)
Facebook
4.9 (32)
Yelp
5.0 (2)

Why choose this provider?

Laurin Maier is an insurance agent based in Baton Rouge who has been practising her profession since 2004. She handles home, renters', and condo insurance. She also crafts policies for auto, life and business insurance and provides financial services and relocation assistance. Additionally, she caters to small business owners' commercial insurance needs. Laurin is a third-generation insurance broker from Pineville who strives to provide efficient and professional services to her clients.

  • Homeowners

4603 Bluebonnet Boulevard, Baton Rouge, LA 70809

Expertise.com Rating

Review Sources

Google
5.0 (3)
Yelp
5.0 (1)

Why choose this provider?

MidSouth Insurance Agency is a business that serves individuals, businesses, and churches in the Baton Rouge area. The independent agency has been serving the local community for over 60 years. It helps clients get quotations for homeowners' and auto insurance. The policies it provides include coverage for home damage and theft of personal belongings. MidSouth Insurance Agency is also currently insuring over 150 religious organizations and is part of a network of over 350 companies.

  • Multiple Policy Types
  • Homeowners

10124 Jefferson Hwy, Baton Rouge, LA 70809

Expertise.com Rating

Review Sources

Google
4.4 (5)

Why choose this provider?

Lohman & Lohman Insurance Services leverages more than 30 years of expertise to help homeowners throughout the greater Baton Rouge, Louisiana, area find the home insurance products they need. Established in 1983, it works with each homeowner to determine how much protection they need before comparing policy coverage, deductibles, and rates from its partner network. General loss and basic liability coverage are available from underwriters such as Foremost, American Modern, and Imperial Fire & Casualty.

  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

5139 Bluebonnet Blvd, Baton Rouge, LA 70809
WebsiteLicense: 564009

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Tyner / Jeter Insurance Agency, LLC, serves individuals and businesses in Baton Rogue. The independent agency offers coverage options that protect clients' residential properties from losses. Its team assists its clients in finding a plan that repairs and replaces their belongings in case of fire, theft, vandalism, and other events. In addition, it provides auto, boat, life, health, and business insurance products. The agents of the company have more than 100 years of combined experience in the insurance industry.

  • Multiple Policy Types

11420 Airline Hwy, Baton Rouge, LA 70816

Expertise.com Rating

Why choose this provider?

The Brignac Group is an independent insurance agency located in Baton Rouge, Louisiana. Since 1984, it has provided individuals, families, and businesses with home, auto, commercial, and group health insurance throughout Louisiana. It is a full-service insurance company that provides clients with coverage for their dwellings and attached structures, for other unattached structures, possessions, loss of use coverage to pay for costs of living, personal liability as well as medical payments for minor injuries.

  • Renter's Insurance
  • Fire
  • Flood

8560 Jefferson Highway, Baton Rouge, LA 70809
WebsiteLicense: 181663

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.0 (3)

Why choose this provider?

Blumberg & Associates, Inc - Baton Rouge is a full-service independent insurance agency servicing Baton Rouge clients. It offers a wide range of homeowners insurance coverage options to protect clients from unforeseen losses. Additional lines of insurance are also available for high-value homes, rental dwellings, and secondary residences. Clients may also avail of coverages in addition to the basic homeowners policy, like vehicle, calamity, or jewelry insurance. Blumberg & Associates also offers commercial insurance to small and large businesses.

  • Renter's Insurance
  • Flood
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Burnett Insurance Services
11857 Bricksome Ave Suite A, Baton Rouge, LA 70816
Lewis Mohr Insurance Agency
11051 Coursey Blvd, Baton Rouge, LA 70816
Banner Insurance Agency
5559 Plank Road, Baton Rouge, LA 70805
Gabisa Insurance Agency, LLC
13231 Perkins Rd, Baton Rouge, LA 70810
Coastal Louisiana Insurance
1669 Lobdell Avenue, Baton Rouge, LA 70806
Tibbetts Insurance Services
12057 Old Hammond Highway, Baton Rouge, LA 70816
Bourg Insurance
37410 Ascension Parish Rd Suite B, Prairieville, LA 70769
Mitch Mula
18291 Highland Road Suite 104, Baton Rouge, LA 70810
Tharpe Family Insurance
609 N Range Ave, Denham Springs, LA 70726
Preferred Insurance Agency
11847 Bricksome Ave A, Baton Rouge, LA 70816
A Ace Insurance Agency, Inc.
2834 S Sherwood Forest Blvd Ste B8, Baton Rouge, LA 70816
Hays Insurance Group
11715 Bricksome Avenue, Baton Rouge, LA 70816
Laurin Maier
7035 Jefferson Highway, Baton Rouge, LA 70806
MidSouth Insurance Agency
4603 Bluebonnet Boulevard, Baton Rouge, LA 70809
Lohman & Lohman Insurance Services
10124 Jefferson Hwy, Baton Rouge, LA 70809
Tyner / Jeter Insurance Agency, LLC.
5139 Bluebonnet Blvd, Baton Rouge, LA 70809
The Brignac Group
11420 Airline Hwy, Baton Rouge, LA 70816
Blumberg and Associates, Inc - Baton Rouge
8560 Jefferson Highway, Baton Rouge, LA 70809

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What damages are not covered by homeowners’ insurance in Baton Rouge?

    Most homeowner's insurance policies exclude losses caused by earthquakes, floods, wars, and malicious damage. For these perils, you may need to purchase additional endorsements or a separate policy. Flood insurance is recommended because Baton Rouge is a flood zone, according to the Federal Emergency Management Agency. Furthermore, valuable personal belongings such as jewelry, fine art, and antique furniture may not be covered. Discuss supplemental coverage for these items with your trusted homeowners' insurance provider.

  • When can you expect the insurer to pay out your homeowners’ insurance claim in Baton Rouge?

    According to Louisiana Revised Statute 22:1892 (A)(4), your Baton Rouge insurer must settle your homeowners' insurance claim within 30 days of receiving adequate proof of your damages. If your payment is not delivered within the deadline, the insurer may be charged with bad faith damages unless there is a legitimate reason.

  • Will the landlord’s insurance cover the renter’s personal belongings if damaged in a fire in Baton Rouge?

    No. The landlord's insurance policy only covers damage to the rented house and does not cover the renter's damaged belongings inside. If you rent a home in Baton Rouge, you must obtain your own renter's insurance to cover damages to your personal belongings. A renter's insurance policy provides the same protection as a homeowner's policy, with the exception of coverage for the house itself.

  • What should you discuss with your Baton Rouge insurance agent during the annual renewal of your homeowners’ insurance policy?

    The annual renewal is an opportunity to review your Policy Declarations to ensure that your coverage limits are adequate for your needs. Discuss any property improvements, such as room additions and remodeled areas. Because of the increased value of your home, your coverage may need to be adjusted. Check to see if your policy covers additional costs associated with Baton Rouge building code updates and inflation. These elements may have an impact on the cost of rebuilding a home.

  • How can you get a lower homeowners’ insurance premium in Baton Rouge?

    Try to improve your credit score before purchasing or renewing your homeowners' insurance. If you have good credit, insurers may offer a lower premium rate. It is also recommended to shop around for the best deal. Make sure you're comparing rates for the same amount of coverage. Raising your deductible can also lower your premium. Also, request discounts. Most Baton Rouge insurers provide discounts for homes that have security systems and for policyholders who have a clean claims history.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.