5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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Home insurance in Louisiana costs an annual average of $5,136 for a policy with $300,000 in dwelling coverage, significantly higher than the national annual average of $2,532.
Hurricanes and flooding are Louisiana homeowners’ most common risks — with the occasional threat of tornadoes, especially in the southern parishes.[1] Insurers increase rates in areas prone to natural disasters to offset the likelihood that they’ll have to pay out more on a claim.
Here’s what you need to know about comparing home insurance quotes to protect your house and keep premiums low in the Pelican State.
Quick Facts
Foremost, Centauri, and USAA offer the cheapest home insurance policies in Louisiana.
Louisiana homeowners pay an average of $5,136 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Standard home insurance policies cover hurricane and tornado damage, but Louisiana homeowners will need a separate policy for flood coverage.
Best home insurance companies in Louisiana
You’ll find a range of different companies for home insurance in Louisiana. Each provides unique benefits and protection — the challenge is choosing the company that best fits your specific situation and coverage needs.
Start your search with the home insurance companies listed below.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Annual Premium
Best For
ASI Progressive
N/A
$1,343
Cheapest rates
Centauri Specialty Insurance Company
N/A
$2,968
Hurricane coverage
USAA
8.0
$3,661
Policy perks
State Farm
8.2
$3,849
Manufactured homes
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: ASI Progressive
ASI Progressive offers the cheapest rates in the state. Louisiana has some of the most expensive home insurance rates in the country, so access to affordable coverage is good news for the 66% of Louisianians who own homes. As a subsidiary of Progressive, ASI’s reputation is top notch. AM Best gives it a financial strength rating of A+ (Superior), and the Better Business Bureau (BBB) also rates it A+.
Pros
Lowest home insurance premiums in the state
Pays for living costs if your home’s damage makes it uninhabitable after a covered loss
Cons
Limits on coverage for jewelry, televisions and other electronics, and firearms
Below-average J.D. Power customer satisfaction rating
Best insurer for hurricane coverage: Centauri Specialty Insurance Company
hurricane coverageCentauri
Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
Centauri Insurance is the best option for hurricane coverage, filling the void as other home insurance companies exit Louisiana. In 2022, 17% of homeowners reported that their insurance company canceled their policy.[2]
Centauri provides policies across the state, including to homeowners in the Bayou communities. Flood insurance is also available.
Pros
Provides coverage for homeowners in high-risk areas
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$221/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$331/mo
If you’re one of the more than 292,000 veterans living in Louisiana, buying USAA home insurance gives you access to policy perks unmatched by other companies. USAA membership opens up deals on car rentals, hotels, theme parks, cell service, fitness clubs, and much more.
For more peace of mind, customize your homeowners insurance policy with higher limits.
Pros
Replacement cost coverage for personal belongings and building materials
Highest customer satisfaction rating by J.D. Power
Cons
Policies only available to current and former military, their spouses, and immediate family members
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$373/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$530/mo
State Farm offers the most reliable manufactured-home insurance coverage in Louisiana. Given that the state ranks fifth in the U.S. in mobile-home ownership, specialized coverage to address the needs of Louisiana’s mobile-home residents is crucial. A manufactured-home policy from State Farm includes your choice of deductible and discounts based on model year to cut costs.
Pros
Higher policy limits for replacement cost coverage
Above-average customer satisfaction rating by J.D. Power
Cons
Quotes only available through an agent
Limits on coverage for watercraft, trailers, and firearms
Find Cheap Home Insurance in Louisiana
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Cheapest home insurance in Louisiana
Average home insurance costs can vary, but the cheapest coverage in Louisiana is from Foremost. The company helps you protect your property and personal belongings against potential disasters without overextending your finances. This way, you get peace of mind even in a region known for its challenging weather.
Check out other affordable home insurance companies in the state below.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
Louisiana’s average homeowners insurance premium is $5,136 per year — nearly double the national average. The state’s history of catastrophic hurricanes makes it one of the most expensive states for home insurance. Cities prone to hurricanes and flooding, such as New Orleans and Baton Rouge, typically have higher rates.
Your home’s age and construction type, as well as your credit history, can affect how much you pay for coverage. But in 2024, Louisiana is considering a law that would stop insurers from using credit scores when setting prices.[3]
Cost of homeowners insurance by dwelling coverage amount
The amount of dwelling coverage you choose influences your homeowners insurance premium. Higher coverage limits mean the insurer would pay out more if a covered event destroys your home, naturally leading to higher rates. Essentially, the more you want your insurance to cover in the event of a loss, the more you’ll need to pay for your monthly or annual premiums.
The table below shows what Louisiana homeowners pay, on average, by coverage amount.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
The cost of your homeowners insurance can vary greatly depending on the deductible you pick. A deductible is the money you pay out of pocket before your insurance pays for a claim.
A low deductible places more risk on your insurance company, raising your rates. A higher deductible reduces your premiums because you take on a greater share of the financial responsibility in case of a claim.
Below, you can see how choosing a lower deductible will result in a higher home insurance premium. Rates shown are for a policy with $300,000 in dwelling coverage.
Deductible Amount
Average Annual Premium
$500
$5,136
$1,000
$5,136
How to get cheap homeowners insurance in Louisiana
A few clever strategies can unlock cheap home insurance to keep more of your hard-earned cash where it belongs — in your pocket:[4]
Increase your deductible. A higher deductible places more of the financial burden on you if you file a claim, and insurance companies reward your increased risk with lower premiums. Make sure you have sufficient emergency savings since the higher deductible means you’ll have to fork over more money when filing a claim.
Bundle your home and auto insurance. Many insurers offer discounts if you buy both your home and auto policy from a single company. It can shave up to 25% or more off your bill. Plus, keeping everything with one company makes it easier to manage your policies.
Disaster-proof your home. Making your home safer from severe weather can help you save money on insurance. Think about adding storm shutters, making your roof stronger, or using tougher roofing materials. Also, updating your heating, plumbing, and electrical systems can lower the chance of fire and water damage, which might reduce your insurance costs.
Maintain good credit. Louisiana insurance companies can use credit information to price homeowners policies. Having a solid credit history can affect how much you pay. Pay your bills on time, keep credit balances low, and check your credit report regularly for errors.
How much homeowners insurance do you need in Louisiana?
Louisiana doesn’t require you to buy home insurance. But your lender will likely require you to purchase a policy when taking out a mortgage to buy a home. The lender has a financial stake in your property and wants to make sure you have protection against potential losses from disasters like hurricanes, fires, or theft.
But don’t settle for minimum-coverage amounts. Review the policy details, including the dwelling coverage limits, personal property coverage, and liability protection, so you know what the homeowners policy covers.
Then, consider any additional coverage or insurance products you may need. For example, you might need to have extended coverage for jewelry and antiques or specific coverage for a trampoline or swimming pool.
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What are some of the biggest risks when owning a home in Louisiana?
Louisiana homeowners face some of the steepest insurance rates in the country, thanks to the state’s unfortunate knack for attracting natural disasters like hurricanes and floods. But tornadoes can also pop up.
A standard homeowners insurance policy usually covers hurricane damage. Still, there may be a catch — check your policy to find out if it requires a separate “named storm” or hurricane deductible instead of the standard deductible for other types of losses. If you don’t already have coverage, don’t wait to buy it. Most companies suspend sales once hurricanes or tropical storms form.[5]
Floods
Homeowners policies don’t cover flood damage. For peace of mind, you must have a separate insurance policy. Your current insurer may offer flood insurance. If not, look to the National Flood Insurance Program (NFIP). Keep in mind that NFIP policies limit coverage to $250,000 for your house and $100,000 for your belongings, but you can buy additional flood insurance from a private insurer if you need higher limits.
Tornadoes
Peak tornado season in Louisiana is March–May, but the Gulf Coast hurricane season, which runs June–November, can also bring occasional tornadoes.[6] Fortunately, standard home insurance policies cover tornado damage. It’s essential to check your policy limits and coverages to ensure you have the protection you need so you aren’t caught off guard.
Louisiana homeowners insurance FAQs
If you’re shopping for home insurance in Louisiana, this additional information may help as you research your coverage options.
How much is home insurance in Louisiana?
Home insurance in Louisiana costs an average of $5,136 per year for $300,000 in dwelling coverage with a $1,000 deductible. But many factors affect the price you’ll pay for a policy, including your location, the age of your home, and the type of coverage you choose.
Which company has the cheapest homeowners insurance in Louisiana?
Foremost has the cheapest homeowners insurance in Louisiana, with an average monthly premium of $218.
Does Louisiana require homeowners insurance?
No. Louisiana doesn’t require homeowners insurance. But if you have a mortgage on your home, your lender will require you to have a home insurance policy.
It’s important to carry this coverage even if you’ve paid off your home because it can protect you financially if something damages or destroys your home and you have to rebuild or make extensive repairs.
Why is homeowners insurance so high in Louisiana?
Homeowners insurance is so high in Louisiana because the state is prone to natural disasters like hurricanes and floods. These weather events can cause extensive damages, and insurance companies in high-risk areas raise rates to account for the increased likelihood of homeowners filing claims.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
Dwelling coverage: $300,000
Deductible: $1,000
Personal property limit: $25,000
Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Amy has been a contributor at Insurify since September 2023.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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