Home Insurance in Louisiana

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Variant Insurance Group is a licensed independent insurance agency serving Minnesota families and businesses.

From our office in Maple Plain, our team works with many of Minnesota's top-rated carriers so your home, auto, life, and business coverage fits your real needs. We serve families and businesses across Minnesota.

What Louisiana home insurance covers

A home insurance policy protects the place you live and the things inside it. It covers your dwelling — the house structure itself — plus other structures on your property like a fence, shed, or detached garage. It also covers your personal belongings, from furniture to electronics, if they are stolen or damaged by a covered event.

Most policies also include personal liability, which helps if someone is hurt on your property or you damage someone else's. If a covered loss makes your home unlivable, loss-of-use coverage helps pay for a temporary place to stay. We walk you through each part so you know exactly what you are buying.

Why the right coverage matters in Louisiana

Louisiana homes face real weather risk, from hurricanes and high wind to heavy rain. A standard home policy can cover wind and storm damage, but it does not cover flooding. Flood coverage is a separate policy, and we can set it up alongside your home insurance so there is no gap.

How your policy pays a claim also matters. Replacement cost coverage pays to rebuild or replace at today's prices, while actual cash value subtracts for age and wear. We compare both options with you and match your limits to what your home would actually cost to rebuild.

What affects your home insurance cost

Several factors shape your home insurance premium. Here is what carriers look at, and where we can often help you save.

Factor How it affects your premium
Location & flood zone Homes in higher-risk areas and flood zones usually cost more to insure.
Home age & construction Newer homes and sturdier materials often earn lower rates.
Roof condition A newer roof in good shape can lower wind and storm risk, and your premium.
Claims history Fewer past claims generally means a better rate.
Coverage limits & deductible Higher limits raise the premium; a higher deductible lowers it.
Safety features Alarms, smoke detectors, and storm shutters can earn discounts.

Want a number for your home? Start a quote and we will shop your options.

Written by

Ryan J. Ehrhardt

Owner / Licensed Agent

Fully licensed

Chabert Insurance: The Ehrhardt Agency is a fully licensed independent insurance agency serving individuals, families, and businesses across Louisiana and Mississippi.

From our offices in Mandeville and New Orleans, we proudly serve clients in Mandeville, Covington, New Orleans, Kenner, Metairie, Harahan, River Ridge, and Slidell, as well as the Westbank and St. Bernard Parish, and communities throughout Louisiana and Mississippi. As an independent agency, our team works with a wide range of top-rated carriers to provide personal and commercial coverage — home, auto, flood, commercial, life, and more — built around the real needs of the people and businesses we protect.

About the Author

Ryan J. Ehrhardt

Owner / Licensed Agent

I'm Ryan J. Ehrhardt, owner and licensed agent at Chabert Insurance: The Ehrhardt Agency. I lead our team across our Mandeville and New Orleans offices, and I work with families and business owners every day to find coverage that fits their lives. I believe insurance should be simple to understand, so I take the time to explain your options in plain language before you decide.

As an independent agent, I answer to you, not to a single carrier. That means I can shop your policy across many companies and focus on what protects you best. When you call our office, you reach a real person who knows your account. I would be glad to review your coverage and help you feel confident about it.

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Home, Auto, Flood, Commercial & Life Insurance

Insurance built around your life in Louisiana

We compare coverage across many carriers and build one program that protects everything you own.

Home Insurance

Cover the cost to rebuild your house, replace your belongings, and answer a liability claim against your household.

Auto Insurance

Protect your vehicles with liability, collision, and uninsured motorist limits that hold up after a serious Louisiana wreck.

Flood Insurance

Your homeowners policy excludes flood. We quote NFIP and private options for your building and its contents.

Commercial Insurance

Liability, property, workers' compensation, and commercial auto for Louisiana businesses, priced against how your company operates.

Life Insurance

Replace the income your family depends on, with term and permanent options priced across several carriers.


Umbrella Insurance

Add a layer of liability protection above your auto and home limits, usually for a modest premium.


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Explore More

Commercial Insurance for Louisiana Businesses

Coverage that keeps your business running

We build commercial programs around how your company actually operates, then compare carriers on price and claim service.

General Liability

General Liability

Covers claims of bodily injury or property damage that come from your day-to-day operations.

Commercial Property

Commercial Property

Protects your building, equipment, and inventory against fire, storm, theft, and other covered losses.

Workers' Compensation

Workers' Compensation

Pays medical care and lost wages when an employee is hurt on the job, as Louisiana requires.

Commercial Auto

Commercial Auto

Covers the vehicles your business owns, along with the employees who drive them for work.

Professional Liability Insurance

Professional Liability

Covers claims that your professional advice or services caused a client a financial loss.

Cyber Liability

Cyber Liability

Handles breach response, notification costs, and liability after customer data is exposed.

Ruston

Baton Rouge

Mandeville

Gretna

Louisiana Home Insurance

Home insurance built around where you live

Home insurance is our specialty. We write homeowners policies across Louisiana and price them against the wind, hail, and flood risk in your parish.

Areas we cover

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Business Insurance by Industry

Specialized coverage for your line of work

Every trade carries its own risks. We know the coverage these Louisiana businesses need and where the gaps usually sit.

Plumbers

Liability, tools, and commercial auto coverage built for water damage claims and job-site risk.

Restaurants

Property, liquor liability, and spoilage coverage for kitchens, dining rooms, and your staff.

Real Estate Investors

Landlord property, liability, and vacancy coverage for rentals, flips, and multi-unit buildings.

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How to Get Insured in 4 Steps

Getting covered is simple

You talk to a licensed agent from the first call to the annual review.

1

Tell us about you

Share what you want to protect. A licensed agent asks about your home, vehicles, family, or business and gathers the details carriers need.

2

We shop our carriers

We compare options across the markets we represent and look at price, coverage limits, and how each carrier handles claims.

3

Review your choices

We explain coverage and price in plain language, side by side, so you can see the trade-offs before you choose.

4

Get covered

Your policy starts, you get your documents, and we review the coverage with you each year.

5-Star Rated by Louisiana Clients

What our clients say

Louisiana families and business owners rate us 5 stars for clear advice and fast answers.

139+ five-star reviews across our Mandeville and New Orleans offices

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Louisiana Insurance Questions, Answered

Questions clients ask us

Short answers to what people ask before they switch agencies.

  • What does an independent insurance agency do?

    An independent agency represents many carriers instead of one. We gather your information once, compare policies across those companies, and recommend the option that fits your coverage needs and budget. You keep the same agent as your policies change.

  • Which types of insurance does Chabert offer?

    We write home, auto, flood, life, umbrella, and boat policies for individuals, plus general liability, property, workers' compensation, commercial auto, business interruption, and cyber coverage for businesses. One team handles both sides of your account.

  • Do you serve both Louisiana and Mississippi?

    Yes. Our agents are licensed in Louisiana and Mississippi [CONFIRM license numbers]. We work from offices in Mandeville and New Orleans and serve clients across both states by phone, email, and in person.

  • How do you find me a competitive rate?

    We send your details to the carriers we represent and compare what comes back. We look at premium, coverage limits, deductibles, and available discounts such as bundling auto with home, then show you the options together.

  • Can I manage my policy online?

    Yes. Our Client Portal, powered by GloveBox, holds your policy documents, ID cards, and billing links in one place. You can also request a policy change or certificate from our Client Center page.

  • How do I start a quote or file a claim?

    Call 504-326-6526 or fill out the quote form on this page and an agent will follow up. To report a claim, use the Report a Claim page or call the office and we will start the process with your carrier.

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Louisiana Insurance Tips & News

Insurance tips and local news

Practical guidance from our agents on coverage, claims, and living with Louisiana weather.

Actual Cash Value vs Replacement Cost on a Roof Claim

26 August 2026
Learn how ACV vs. RCV affects roof claim payouts, depreciation, and out-of-pocket costs, plus why Louisiana insurers increasingly use ACV coverage.

What Is Umbrella Insurance and Who Actually Needs It?

26 August 2026
Learn what umbrella insurance covers, who needs it, required underlying policies, real claim scenarios, and the cost of $1 million in extra protection.

What Is an Elevation Certificate and When Do You Need One?

26 August 2026
Learn what an elevation certificate measures, who can issue one, how it affects flood insurance rates, and when it's worth ordering under Risk Rating 2.0.

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Serving Louisiana & Mississippi

Licensed across Louisiana and Mississippi

Visit either office or handle everything by phone and email. Same team, same records, both states.

Louisiana

Offices in Mandeville and New Orleans, serving the North Shore, greater New Orleans, and beyond.

Mississippi

Licensed for personal and commercial policies across the state.

Mandeville Office

240 Dalwill Dr, Suite B, Mandeville, LA 70471

Office hours: Monday – Friday, 8:00 a.m. – 5:00 p.m.

New Orleans Office

824 Elmwood Park Blvd, Suite 145, New Orleans, LA 70123

Office hours: Monday – Friday, 8:00 a.m. – 5:00 p.m.