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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:
- De Soto
- East Baton Rouge
- East Carroll
- East Feliciana
- Jefferson Davis
- La Salle
- Pointe Coupee
- Red River
- Saint Bernard
- Saint Charles
- Saint Helena
- Saint James
- Saint Landry
- Saint Martin
- Saint Mary
- Saint Tammany
- St John The Baptist
- West Baton Rouge
- West Carroll
- West Feliciana
Louisiana Homeowners Insurance News & Information
Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023
Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]
North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Thursday 30th November, 2023
North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Holden Beach, Oak Island Beach, Calabash, Bald Head Island, […]
Did you know? Your Home Insurance Doesn’t Cover… Posted on Wednesday 29th November, 2023
While homeowners insurance covers a variety of perils and protects your home and personal possessions, it does come with a number of exclusions and coverage gaps that can result in you having to cover the cost of certain damage out of pocket. Let’s have a quick look at what your homeowners policy does and doesn’t […]
2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023
The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies. Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]
What Is the 80/20 Rule In Homeowners Insurance? Posted on Wednesday 8th November, 2023
If you are purchasing a home, your lender will require that you carry homeowners insurance to protect their investment in your home. Homeowners coverage will help cover the cost of repairing or replacing your home if it is damaged or destroyed by a covered peril. Covered perils can include items such as a hurricane or […]
Louisiana Housing & Real Estate Data
|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.