Best 30 Homeowners Insurance in Baton Rouge, Louisiana with Reviews - YP.com

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07/30/2015
By: Rachelle N.
McInnis Insurance Services Inc
We have been with McInnis Tyner for a couple of years now and we absolutely love them. Not only do you get the best rates in town, the service is outstanding! Back when FEMA changed its rates and caused our flood insurance to skyrocket, they helped us figure out how on earth we would keep our monthly payments to a liveable amount. They by far are the best agency in the area! Thank you Jaime Malone for all your help. ❤
02/27/2017
By: Donald P.
American National Insurance Donald J Plaisance
Reliable, friendly and trustworthy. I've been with Don for over 30 years. I have my home, cars, boats, RV, Life and business with him. No better place to be!
Tips & Advices
Yes, they can cancel policies and also choose not to renew policies once they expire. This can happen for a variety of reasons:
  • Failure to pay premiums
  • Giving false information to an insurer
  • Failure to meet fire or security codes or other recommendations
  • Failure to meet established safety guidelines, like removing pools or trampolines
  • Filing too many claims
  • Failure to repair home damage that protects from needing to filing claims
  • Increase in criminal activity within your neighborhood area
No, homeowners insurance is a nondeductible expense. The only case in which it’s not is if part of the home is used home for business, then the square footage used for that purposes could be deductible.
Without homeowners insurance, you may be fully responsible for the costs of repairing damages to a home and for replacing belongings that get damaged or stolen. Also when applying for a home loan, most banks require that borrowers have home insurance. Banks treat these loans as investments and home insurance acts as a protection of these investments.
Earthquakes, floods, tornadoes, and other natural disasters are not typically covered by home insurance--there are separate insurance coverages for them that can be purchased.
It does not cover anything dealing with vehicles or items within vehicles. Protection from natural disasters is also rarely covered automatically.

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