Airline Insurance Agency LLC
11747 Wentling Ave, Baton Rouge, LA 70816
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11747 Wentling Ave, Baton Rouge, LA 70816
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18389 Petroleum Drive, Baton Rouge, LA 70809
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3466 Drusilla Lane, Suite A, Baton Rouge, LA 70809
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14635 S Harrells Ferry Rd, Suite 2C, Baton Rouge, LA 70816
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14635 S. Harrell's Ferry Rd., Suite 2C, Baton Rouge, LA 70816
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16851 Jefferson Hwy, Suite 3C, Baton Rouge, LA 70817
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10202 Perkins Rowe Ste E-160, Baton Rouge, LA 70810
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8064 Summa Ave, Ste D, Baton Rouge, LA 70809
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8024 Goodwood Blvd, Baton Rouge, LA 70806
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5917 Jones Creek Rd, # 200F, Baton Rouge, LA 70817
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Learn about insurance coverage options specific to Baton Rouge residents.
Baton Rouge homeowners pay $3,200-$3,700/year for insurance. Learn how wind mitigation, FORTIFIED roofs, and elevation save 20-40% on premiums.
Home InsuranceBaton Rouge home insurance averages $2,440-$3,673/year. Learn about hurricane and flood coverage, wind mitigation discounts, and Louisiana Citizens options.
Car InsuranceBaton Rouge auto insurance averages $3,166/year. Learn about Louisiana's 15/30/25 minimums, lawsuit climate, uninsured drivers, and flood coverage needs.
Car InsuranceBaton Rouge has some of the nation's highest car insurance rates. Learn why costs are so high and discover proven strategies to lower your premiums.
General Insurance EducationComplete insurance guide for Baton Rouge residents. Learn about Louisiana's requirements, flood risks after 2016, and navigating expensive coverage options.
Business InsuranceEssential business insurance for Baton Rouge: flood coverage (20% discount in 2024), workers' comp requirements, and specialized policies for Louisiana's risks.
While it's not legally required outside high-risk zones, the 2016 flood proved that over half of damaged homes were in low- to moderate-risk areas. Standard homeowners insurance doesn't cover flood damage, so even a one-in-four chance over 30 years represents significant risk. Flood insurance outside high-risk zones is typically much more affordable, and waiting until after a flood is declared means you'll face a 30-day waiting period before coverage begins.
Louisiana homeowners with FORTIFIED roofs save between 20% and 52% on the wind portion of their insurance premium, with the average discount being 16-23% on total premiums depending on your location and certification level. For a Baton Rouge homeowner paying $3,500 annually, that's $560 to $805 in annual savings. The Louisiana Fortify Homes Program also offers grants up to $10,000 to help cover upgrade costs, and you may qualify for a state tax deduction of up to $5,000.
Many insurance carriers in Louisiana won't write new policies for homes with roofs older than 15 years, and existing customers may face non-renewal or significantly higher premiums. If your roof is approaching this threshold, replacing it before shopping for insurance can dramatically improve your options and rates. A new roof also makes you eligible for FORTIFIED certification discounts, which can help offset the replacement cost through premium savings over time.
Since October 2024, East Baton Rouge Parish's Class 6 rating in FEMA's Community Rating System automatically qualifies residents for a 20% discount on flood insurance premiums. You don't need to apply separately—the discount is applied to all National Flood Insurance Program policies in the parish. This discount reflects the parish's investment in floodplain management and is in addition to any other discounts you might qualify for based on your home's elevation or mitigation features.
Raising your deductible from $1,000 to $2,500 or $5,000 can reduce your premium by 15-30%, but you need to ensure you have enough savings to cover that deductible if disaster strikes. In a state prone to hurricanes, many policies also include a separate percentage-based hurricane deductible (typically 2-5% of your dwelling coverage), which could mean owing $6,000 to $15,000 out of pocket on a $300,000 home before insurance kicks in. Make sure you understand both your standard and hurricane deductibles before adjusting coverage.
Your standard homeowners insurance covers wind damage, fire, theft, and liability, but explicitly excludes flooding. Flood insurance is a separate policy, typically purchased through the National Flood Insurance Program or private insurers, that covers water damage from rising water, storm surge, and heavy rain that overwhelms drainage systems. After Hurricane Katrina and the 2016 flood, this distinction became critically important—many Louisiana homeowners discovered too late that their homeowners policy wouldn't cover flood damage, no matter how comprehensive the policy seemed.
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