Mother Nature is finally starting to tease us with cooler temperatures in Baton Rouge. Football weekends are in full swing, LSU fans are filling the stadium, and front porches are lined with pumpkins and Halloween decorations. October is one of those months that feels festive and busy all at once—between Friday night lights, neighborhood gatherings, and the tail end of hurricane season, there’s plenty on our plates.
At Henry Insurance, we know this season is about enjoying time with family and friends, but it’s also a smart moment to step back and review your insurance coverage. Whether it’s your home, auto, life, or business insurance, a little preparation in October can go a long way toward protecting you for the rest of the year and beyond.
1. Hurricane Season Isn’t Over Yet
Living in Louisiana means being familiar with unpredictable Gulf weather. Even though fall has arrived, hurricane season officially runs through November 30, and storms can still form late in the year. Don’t let your guard down too soon.
Here are three quick steps to take:
- Review your homeowners or renters policy. Make sure your coverage matches your property’s value and current risks.
- Confirm your flood insurance. Standard homeowners’ policies typically do not cover flooding, and in Louisiana, flood protection is essential.
- Update your emergency kit. Stock up on batteries, bottled water, nonperishable food, and important documents.
Being prepared now gives you peace of mind before the next storm is even on the radar. For personalized guidance, our team can walk you through your Baton Rouge insurance options to ensure you’re ready for whatever the season brings.
2. Halloween Fun Without the Frights
Halloween in Baton Rouge is a highlight of the season. From trick-or-treating in family-friendly neighborhoods to fall festivals, it’s a night kids look forward to all year. But with more people out and about, safety is a top priority.
A few reminders:
- Keep your walkways well-lit and free of obstacles for trick-or-treaters.
- Encourage kids to travel in groups and wear costumes that don’t block vision.
- Drive cautiously, as neighborhoods will be filled with children.
This is also a good time to double-check your auto coverage. With heavier traffic around football games and community events, having the right policy means one less thing to worry about if an accident happens.
At Henry Insurance, we’re proud to be your local Baton Rouge insurance agency—helping families enjoy holidays like Halloween without stress.
3. Medicare Open Enrollment Is Here
October also marks an important milestone for many: Medicare open enrollment, which runs from October 15 through December 7. If you or a loved one is eligible, this is the window to review your plan and make sure it still meets your needs.
Health needs and financial situations change, so what worked last year may not be the best fit today. Our agents are here to guide you through Medicare enrollment in Baton Rouge so you don’t have to navigate the process alone. We’ll help you compare options, avoid coverage gaps, and ensure you’re confident in your choices.
4. Schedule Your Fall Insurance Checkup
Think of fall as the perfect time for an insurance “tune-up.” Just like you go to the doctor for a yearly checkup, an annual review of your insurance policies ensures you’re still protected where it matters most.
Here’s what to look at:
- Auto: Have your driving habits changed? Do your limits still make sense?
- Home: Has your property increased in value, or have you made upgrades that need more coverage?
- Life: Are your beneficiaries up to date? Has your family grown or your financial situation changed?
- Business: Is your coverage keeping pace with your company’s growth?
A short review now can prevent costly surprises later. Our team specializes in tailoring Baton Rouge insurance solutions to fit your unique needs.
5. Don’t End 2025 Without a Business Insurance Review
For business owners, Q4 is one of the most important times of the year. As 2025 comes to a close, it’s the perfect moment to reflect on your operations and prepare for a strong start to 2026.
Earlier this year, we shared our 2025 Insurance Guide for Louisiana Businesses. Now it’s time to put those tips into practice. Here’s where to focus:
- Property and flood coverage: Louisiana weather is unpredictable, so make sure your business property is properly insured.
- Workers’ comp and liability: Review your policies to confirm they match your current employee count and operations.
- Commercial auto: If you’ve added or retired vehicles this year, ensure your policy reflects those changes.
- Group health: Evaluate your benefits before renewals and open enrollment deadlines.
A year-end review of your Louisiana business insurance policies ensures your protection grows with your business. At Henry Insurance, we make this process simple and straightforward, so you can move into 2026 with confidence.
Wrap-Up
October in Baton Rouge is a season full of energy—LSU football weekends, Halloween fun, and the anticipation of the holidays. While you’re enjoying all of it, let Henry Insurance give you peace of mind that your coverage is right where it needs to be.
Whether you’re reviewing your homeowners policy, preparing for Medicare enrollment, or wrapping up your business insurance review before year’s end, our local team is here to help. Schedule a complimentary coverage review today and enjoy the confidence that comes from being fully prepared. Book a consultation to get started.
Call us or stop by our Baton Rouge office this month to schedule your insurance checkup—we’ll help you finish 2025 strong and step confidently into the new year.
