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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, GetHomeInsuranceQuotes.com 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.
Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
---|---|---|---|
2020 | $2038 (0%) | $ 170 | 3 |
2019 | $2037 (2.5%) | $ 170 | 1 |
2018 | $1987 (0.96%) | $ 166 | 1 |
2017 | $1968 (0.05%) | $ 164 | 1 |
2016 | $1967 (1.12%) | $ 164 | 1 |
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.
Find Local LA Homeowners Insurance Quotes & Coverage
For more information on homeowners insurance in your area, choose a county below:
- Acadia
- Allen
- Ascension
- Assumption
- Avoyelles
- Beauregard
- Bienville
- Bossier
- Caddo
- Calcasieu
- Caldwell
- Cameron
- Catahoula
- Claiborne
- Concordia
- De Soto
- East Baton Rouge
- East Carroll
- East Feliciana
- Evangeline
- Franklin
- Grant
- Iberia
- Iberville
- Jackson
- Jefferson
- Jefferson Davis
- La Salle
- Lafayette
- Lafourche
- Lincoln
- Livingston
- Madison
- Morehouse
- Natchitoches
- Orleans
- Ouachita
- Plaquemines
- Pointe Coupee
- Rapides
- Red River
- Richland
- Sabine
- Saint Bernard
- Saint Charles
- Saint Helena
- Saint James
- Saint Landry
- Saint Martin
- Saint Mary
- Saint Tammany
- St John The Baptist
- Tangipahoa
- Tensas
- Terrebonne
- Union
- Vermilion
- Vernon
- Washington
- Webster
- West Baton Rouge
- West Carroll
- West Feliciana
- Winn
Louisiana Homeowners Insurance News & Information
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What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025
A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium. On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase. Doug Corkhill is […]
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Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025
A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales. While high home prices and elevated interest rates […]
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Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025
Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums. In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help. Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]
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Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025
Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year. With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]
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Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025
Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase? The increasing frequency of […]
Louisiana Housing & Real Estate Data
Details: | Staticstics |
---|---|
Total Housing Units | 1964981 |
Occupied Housing Units | 1728360 |
Vacant Housing Units | 236621 |
Vacant Housing Units for Rent | 66857 |
Vacant Housing Units Rented Not Occupied | 3273 |
Vacant Housing Units For Sale | 21480 |
Vacant Housing Units Sold Not Occupied | 7294 |
Vacant Housing Units For Seasonal Occasional Use | 42253 |
Vacant Housing Units All Other Vacants | 95464 |
Housing Units Homeowner Vacancy Rate Percent | 1.8 |
Housing Units Rental Vacancy Rate Percent | 10.5 |
Housing Tenure Occupied Units | 1728360 |
Housing Tenure Occupied Units Owner Occupied | 1162299 |
Housing Tenure Occupied Units Owner Occupied Population | 3032918 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.61 |
Housing Tenure Occupied Units Renter Occupied | 566061 |
Housing Tenure Occupied Units Renter Occupied Population | 1373027 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.43 |
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.