Insurance guides for New Orleans homeowners and drivers

Insurance guides for New Orleans homeowners and drivers from Fair Grounds Insurance, a local Louisiana agency.

All Costs & rates Citizens exits Hurricane coverage Flood Premium reduction Auto law Auto coverage Switching Claims Terminology Local Storm prep

Louisiana homeowner reviewing a Citizens renewal notice next to private-market options

Citizens exits

Louisiana Citizens Renewal Coming Up? How to Move to a Private Carrier in 2026

If you have a Louisiana Citizens policy, you are not locked in. You can shop the private market at any time, and many Citizens policyholders in the New…

Rachel Smith · September 25, 2026

Louisiana car insurance law changes effective January 1, 2026

Auto law

Louisiana Car Insurance Laws Changed on January 1, 2026: What New Orleans Drivers Need to Know

Louisiana's minimum car insurance limits did not change on January 1, 2026, but the rules about who can collect after a crash did. A package of laws signed in…

Rachel Smith · September 25, 2026

Example of a 2 percent named-storm deductible on a $300,000 Louisiana home

Hurricane coverage

Named-Storm Deductibles in Louisiana: What You Will Actually Owe After a Hurricane

A named storm deductible is the amount you pay out of pocket before your homeowners policy pays for wind damage from a storm the National Hurricane Center has…

Rachel Smith · September 25, 2026