Variant Insurance Group is a licensed independent insurance agency in Minnesota. [CONFIRM license #.]
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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.
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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.
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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.
[CONFIRM name]
Google review · Mandeville office
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.
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
Covers claims of bodily injury or property damage that come from your day-to-day operations.
Commercial Property
Protects your building, equipment, and inventory against fire, storm, theft, and other covered losses.
Workers' Compensation
Pays medical care and lost wages when an employee is hurt on the job, as Louisiana requires.
Commercial Auto
Covers the vehicles your business owns, along with the employees who drive them for work.
Professional Liability
Covers claims that your professional advice or services caused a client a financial loss.
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
[CONFIRM name]
Google review · Mandeville office
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.
[CONFIRM name]
Google review · Mandeville office
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
