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Louisiana Homeowners Insurance Quotes

Shopping for Louisiana homeowners insurance is not easy because the state of Louisiana has ranked in the top 3 for having the highest homeowners insurance premium in the country. Now, although Louisiana may be a high premium state, can help you find affordable coverage and can also provide you with additional discounts so you may be able to save between 15% and 22% more just by combining your home-auto insurance policy together. Or maybe you moved recently and your new home is in a lower risk area for wind and floods, that will help you save additional money on your homeowners insurance. You can also get discounts if you are a non-smoker, have or plan to install a security alarm and have a smoke detector in every room. These are great ways to save more, so speak with your new home insurance agent about coverages and discounts that can apply to your policy.

Louisiana is rated as a high premium state because it has a higher risk of flood and wind damage. Once of reasons is because much of the state's lands were formed from sediment that washed down the Mississippi River, which left a lot of coastal marsh and swamp areas. Elevation is a major risk factor when it comes to homeowners insurance and so it is important for you to know that a flood insurance policy is a separate policy from your standard homeowners insurance coverage. Make sure that if your home is at risk of being in a flood zone in Louisiana, that you get the additional flood insurance coverage.

For Louisiana home insurance quotes, simply enter your zip code above to get started!

Average Homeowners Insurance Premiums in Louisiana

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Louisiana homeowners are paying on average. Did you know that the average homeowners insurance premium in Louisiana is $2038? Louisiana is now ranked 3 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Louisiana is 55.45% more than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$2038 (0%)$ 1703
2019$2037 (2.5%)$ 1701
2018$1987 (0.96%)$ 1661
2017$1968 (0.05%)$ 1641
2016$1967 (1.12%)$ 1641

When we combine the state averages over the last decade, the Louisiana overall average is estimated to be around $1,868.73. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Louisiana current state rank compare to the rest of the country is #3. Consider shopping your Louisiana home insurance with us so we can help you save up to 40% or more on your policy.

Louisiana Homeowners Insurance News & Information

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Louisiana Housing & Real Estate Data

Total Housing Units1964981
Occupied Housing Units1728360
Vacant Housing Units236621
Vacant Housing Units for Rent66857
Vacant Housing Units Rented Not Occupied3273
Vacant Housing Units For Sale21480
Vacant Housing Units Sold Not Occupied7294
Vacant Housing Units For Seasonal Occasional Use42253
Vacant Housing Units All Other Vacants95464
Housing Units Homeowner Vacancy Rate Percent1.8
Housing Units Rental Vacancy Rate Percent10.5
Housing Tenure Occupied Units1728360
Housing Tenure Occupied Units Owner Occupied1162299
Housing Tenure Occupied Units Owner Occupied Population3032918
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.61
Housing Tenure Occupied Units Renter Occupied566061
Housing Tenure Occupied Units Renter Occupied Population1373027
Housing Tenure Occupied Units Renter Occupied Average Household Size2.43

Understanding Louisiana Homeowners Insurance

When shopping for Louisiana homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Louisiana renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Louisiana, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Louisiana rates and coverage options.