For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.
After more than 40 years in the insurance business, I’ve learned a thing or two about what really makes a difference in protecting your home—and your wallet. Owning a home in Louisiana or Mississippi can be a blessing and a headache at the same time. Between our legendary storms, our aging housing stock, and the ever-rising costs of just about everything, homeowners need to be smart about how they approach insurance. That’s where we come in.
Dan Burghardt Insurance Agency has been around long enough to know the landscape inside and out. We’re licensed in both Louisiana and Mississippi, serving families from New Orleans, Metairie, Kenner, Gretna, St. Bernard, Slidell, Mandeville, Covington, Baton Rouge, Hammond, Houma, Thibodeaux, LaPlace, Lake Charles, Bossier City, Central, Lafayette, Monroe, Shreveport, and Alexandria. If there’s a corner of this region where a crawfish boil has ever been held, odds are good we’ve written a policy there.
So how can you keep your costs down without putting your home at risk? Let’s talk strategy.
Fortified Roofs: Your First Line of Defense
If there’s one thing Mother Nature loves to test us on, it’s our roofs. Rain, hail, hurricanes—you name it, it’s coming at your shingles. A fortified roof isn’t just tougher; it can qualify you for real discounts. Insurers like to see strong materials that resist high winds and water intrusion. Think of it like putting a steel helmet on your house. Sure, it may cost a little more upfront, but the long-term savings can be worth it. Plus, your neighbors will thank you when pieces of your roof aren’t flying into their yard.
Wind Mitigation: Keep the Breeze Outside
Around here, we’re no strangers to the “breeze” that comes with 120-mph gusts. Installing reinforced windows, storm shutters, or impact-rated glass can keep the damage down and your insurance premiums in check. Insurance companies love anything that reduces the risk of costly claims, and you’ll love the peace of mind when the wind howls. Plus, shutters can give your home that old-school French Quarter charm—even if you’re out in Covington.
Updating Old Systems: No More Ancient Wiring
One of the sneakiest ways homes rack up risk is through old electrical systems, outdated plumbing, or clunky AC units. Insurers see them as ticking time bombs for fires, leaks, and breakdowns. The fix? Upgrade them. Not only do you get more efficiency (and lower utility bills), but you also show the insurance company you’re serious about reducing risk. It’s like swapping out that 1980s shag carpet—nobody really misses it once it’s gone.
The New Home Advantage
If you’re living in a brand-new home, congratulations—you’re already winning. New builds tend to qualify for the best insurance rates because they’re built to modern codes, less prone to problems, and haven’t yet developed the quirks that come with age. (Translation: your plumbing hasn’t had the chance to rebel just yet.) This is one of the few times in life where being the “new kid on the block” really pays off.
Older Homes: A Labor of Love
Now, for those of us who love the charm of an older home—maybe a shotgun in New Orleans or a stately place in Baton Rouge—the reality is they can cost more to insure. But don’t despair. With good maintenance, updates, and risk-reducing improvements, you can often offset the higher premiums. Replace old wiring, keep up with roof maintenance, and install modern safety features like smoke alarms and water leak detectors. Do that, and you’ll find insurers a lot friendlier. Plus, you get bragging rights when you save money and keep your 100-year-old home standing proud.
Planning Pays Off
Insurance isn’t just about protection—it’s about planning. And planning doesn’t have to be scary. It can be as simple as saying, “If I do this, will it lower my premium?” Sometimes, just a few small updates can make a big difference. Think of it as playing defense before the storm ever shows up on radar.
And here’s the kicker: planning doesn’t have to be boring. (At least, not if you hang around our office long enough.) We’ll break it down, explain your options, and maybe even crack a joke while saving you a few hundred bucks. After all, we’ve been doing this for 40 years—we might as well have some fun while we’re at it.
Why Work With Us?
At Dan Burghardt Insurance, we’re not just here to sell you a policy. We’re here to help you protect your family, your home, and your peace of mind—without overpaying. We’ve seen everything from hurricanes to hailstorms, and we know how to prepare. Plus, we’ve built relationships with carriers across Louisiana and Mississippi to make sure you get the best coverage at the best price.
For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.
Wrapping It Up
At the end of the day, saving money on homeowners insurance comes down to being proactive. Upgrade where it matters, maintain what you have, and take advantage of every discount available. Whether your home is new, old, or somewhere in between, there’s always a smarter way to protect it.
And remember, insurance isn’t just about paperwork—it’s about knowing you’ll sleep easier the next time the weather forecast takes a turn.
For a quick quote, you can contact our quote department directly at (504) 441-RATE (7283) or complete the Online Quote Request form and you will be contacted ASAP.
Because at Dan Burghardt Insurance, we’ve spent more than four decades helping folks across Louisiana and Mississippi get the coverage they need, with just the right amount of humor to keep it from being too dry. (Insurance jokes may not always land, but your roof sure will—securely, if we have anything to say about it.)
