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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.

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

  • What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024

    As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic.  Following is a brief overview of what to do […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    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, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

Louisiana Housing & Real Estate Data

Details:Staticstics
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.