Cada Insurance
2548 Williams Blvd, Kenner, LA 70062
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Kenner households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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2548 Williams Blvd, Kenner, LA 70062
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3226 Williams Blvd, Ste 1A, Kenner, LA 70065
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3409 Williams Blvd, #9, Kenner, LA 70065
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1627 Williams Blvd, Kenner, LA 70062
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Learn about insurance coverage options specific to Kenner residents.
Complete guide to insurance in Kenner, Louisiana. Compare auto, home, and flood coverage options. Learn why Kenner has high rates and how to save.
Home InsuranceKenner home insurance averages $5,256/year due to hurricane and flood risk. Learn why flood insurance is essential and how to save on coverage in 2026.
Car InsuranceKenner drivers pay $280/month on average. Learn Louisiana's 15/30/25 minimums, at-fault rules, No Pay No Play law, and how to find cheaper coverage in 2025.
Kenner has some of the highest insurance rates in Louisiana because of its coastal location, flood risk, and proximity to the Gulf of Mexico. Most of the city sits at or below sea level in Jefferson Parish, making it highly susceptible to flooding from hurricanes, tropical storms, and even heavy rain. The combination of flood risk, hurricane exposure, and land subsidence makes Kenner a high-risk area for insurers, which drives up premiums for both auto and homeowners insurance.
Yes, you should strongly consider it even outside designated high-risk zones. In Kenner, flood risks come from multiple sources: rain, hurricanes, tidal surges, and the Mississippi River. FEMA data shows that about 25% of flood claims come from properties outside high-risk flood zones. Given that most of Kenner is at or below sea level and prone to subsidence, flood insurance is a smart investment regardless of your official flood zone designation.
Louisiana requires minimum liability coverage of 15/30/25, meaning $15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $25,000 for property damage. However, these minimums are often inadequate for serious accidents. Most experts recommend carrying at least 100/300/100 limits to protect your assets, especially given Louisiana's "No Pay, No Play" law that penalizes uninsured drivers even when they're not at fault.
A local agent who understands Kenner and Jefferson Parish can be invaluable, especially given the area's unique risks. They know which carriers are still writing policies in flood-prone areas, understand how subsidence affects rates, and can help you navigate complex coverage decisions like hurricane deductibles and flood zones. With Kenner's high insurance costs, having a local expert who can find discounts and ensure proper coverage often pays for itself.
Standard homeowners insurance covers wind damage from hurricanes but specifically excludes flood damage, even if the flooding is caused by a hurricane. You need a separate flood insurance policy to cover water damage from storm surge, heavy rain, or overflowing waterways. Most Kenner homeowners need both policies for complete hurricane protection, and you should review your hurricane deductible carefully as it's often percentage-based rather than a flat dollar amount.
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