Paulin Insurance Associates, LLC
4405 N I 10 Service Rd W, Ste 200, Metairie, LA 70006
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4405 N I 10 Service Rd W, Ste 200, Metairie, LA 70006
View this agency's profile to learn more about their services.
4405 N I-10 Service Rd W, Ste 200, Metairie, LA 70006
View this agency's profile to learn more about their services.
4430 S I-10 Service Rd W, #201, Metairie, LA 70001
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3500 N Causeway Blvd, Ste 160, Metairie, LA 70002
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3636 South I-10 Service Road West, Suite 100, Metairie, LA 70001
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Learn about insurance coverage options specific to Metairie residents.
Metairie home insurance averages $7,478/year. Learn about hurricane deductibles, flood insurance requirements, and Louisiana Citizens coverage options.
Home InsuranceMetairie home insurance averages $7,478/year. Learn how flood requirements, elevation certificates, and wind mitigation can lower your premiums.
Car InsuranceMetairie has some of the nation's highest car insurance rates. Learn why Louisiana's lawsuit climate drives costs and proven strategies to lower your premium.
Car InsuranceMetairie auto insurance averages $192/month in Louisiana's priciest market. Learn coverage requirements, why rates are high, and how to save up to 23%.
General Insurance EducationComplete insurance guide for Metairie residents. Understand Louisiana's expensive market, flood requirements, hurricane prep, and Citizens coverage options.
Car InsuranceMetairie drivers pay $192/month for car insurance—$34 above Louisiana's average. Learn why rates are so high and how to save with telematics and bundling.
Metairie homeowners pay an average of $7,478 annually for home insurance, significantly higher than Louisiana's state average of $4,031 and nearly triple the national average. In some Metairie ZIP codes, you'll pay around $24.76 per $1,000 of dwelling coverage. These higher costs reflect hurricane risk, limited insurer competition, and rising construction costs in the area.
Yes, flood insurance is essential in Metairie and requires a separate policy from your homeowners insurance. Standard home insurance doesn't cover flood damage, which is the primary risk in below-sea-level Metairie. Flood insurance averages $826 annually in Louisiana, though costs range from $569 in lower-risk zones to over $3,500 for coastal properties depending on your elevation and flood zone.
Hurricane deductibles in Metairie are calculated as a percentage of your home's insured value, typically 2-5%, rather than a flat dollar amount. For a $300,000 home with a 2% hurricane deductible, you'd pay the first $6,000 of wind damage out of pocket before insurance coverage begins. This deductible applies when damage occurs during an officially named storm's trigger period.
Louisiana Citizens Property Insurance Corporation is the state's insurer of last resort for homeowners who can't get coverage from private insurance companies. Based in Metairie, Citizens provides coverage when you've been denied by private insurers, typically costing $6,000-$7,000 annually for a $250,000-$300,000 home. The program actively works to transfer policies back to private carriers when possible.
Elevation significantly impacts both flood insurance rates and availability of coverage in Metairie. Homes built higher above base flood elevation qualify for substantially lower flood insurance premiums—potentially saving thousands annually. An elevation certificate from a licensed surveyor documents your home's height and can be submitted to your insurer to potentially reduce your flood insurance costs under NFIP's Risk Rating 2.0 system.
Yes, several strategies can help lower costs: get multiple quotes from different insurers, increase your standard deductible if you have adequate savings, install wind mitigation features like impact-resistant windows and reinforced doors, add security and fire safety systems, and consider whether a higher hurricane deductible percentage makes financial sense. Working with an independent agent familiar with Louisiana's market can help identify all available discounts.
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