For years, Louisiana families have paid some of the highest home and auto premiums in the country. Lately, though, the tide has finally started to turn: insurers across the state have been filing rate decreases on home and auto coverage, and more carriers are cutting rates than raising them.

There's a catch worth knowing. A rate decrease doesn't automatically reach your bill. Existing customers often don't see the lower rate until their renewal comes around, and even then, your carrier's cut may not be the best deal available. If your policy renewed before a decrease took effect, or if you haven't compared options in a while, you could be paying last year's price in a market that's finally moving your way.

That's exactly why an independent agency matters. Dabdoub Insurance isn't tied to one company — we quote multiple companies and policies for home, auto, flood, commercial, umbrella, and life coverage, so we can check whether your current carrier is still giving you the best deal or whether another one now beats it. If you haven't had your policies reviewed lately, now is a good time: call (985) 727-1553 for a free review, or visit homeownersandauto.com. We're in Mandeville, serving the northshore and all of Louisiana since 2000.