Best Homeowners Insurance Companies in Louisiana (2025)
Foremost, USAA, and State Farm offer some of the best homeowners insurance in Louisiana.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Data expert on auto trends and driver behavior
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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Data reviewed byAndrew Huang
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Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Table of contents
Homeowners insurance in Louisiana is more expensive due to major weather risks like hurricanes and flooding. The state average cost for home insurance in Louisiana is $5,136 per year, according to Insurify data, which is notably higher than the national average of $2,532 per year.
Given the state’s unique risk factors, it’s a good idea for homeowners to shop around for the best price on the coverage they need to stay protected. Here’s what you should know about the factors that influence premiums in Louisiana and which companies offer affordable home insurance coverage.
Quick Facts
Farmers, Encompass, and Foremost are some of the best home insurance companies in Louisiana.
The cheapest home insurance company in Louisiana is Foremost, with an average monthly cost of $218 for a policy with $300,000 in dwelling coverage.
Louisiana homeowners should consider purchasing a separate flood insurance policy, as standard home insurance doesn’t cover flood-related damage.
Best home insurance companies in Louisiana
If you’re looking for homeowners insurance in Louisiana, you have a range of quality insurers to choose from. The best home insurance company for you will vary based on your specific needs.
Here, you’ll learn more about five of the best home insurance companies in Louisiana based on average costs, claims satisfaction scores, available coverages, customer satisfaction scores, and claims processes.
Foremost: Best for low rates
low rates
Foremost
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. | 5.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $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. | $218/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. | $428/mo |
Foremost offers some of the lowest average home insurance rates in Louisiana.
Louisiana’s average household income is lower than the national average, so every dollar counts when budgeting for expenses. You can lower your rates even more by taking advantage of the discounts Foremost offers for bundling, being claims-free, and having protective fire and anti-theft devices.
Pros
Competitive rates
Many optional coverages
Insures mobile and manufactured homes
Cons
Below-average J.D. Power customer satisfaction rating
Low Trustpilot rating
Customer complaints about service and coverage
USAA: Best for military members and veterans
USAACompare 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. | 8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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 |
More than 200,000 veterans live in Louisiana, in addition to the more than 15,000 active-duty service members. USAA offers a range of policies specifically designed for military members and veterans.
The company offers relatively low rates and a bundling discount of up to 10%, up to 5% off for protecting your home with a monitored home security system or fire alarm, and up to 15% off for going five years without a claim.
Pros
Low average rates
Multiple available discounts
Includes $5,000 of identity theft coverage
Cons
Low Trustpilot rating
Complaints about claims process
Limited eligibility
State Farm: Best for roofing discounts
State FarmCompare 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. | 8.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $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 has the largest market share for homeowners insurance in the U.S., at 18%.[1] You can access State Farm agents across many Louisiana cities to get coverage.
Given the various weather events in Louisiana, you may want to fortify your roof. Louisiana citizens looking to do this could get a roofing discount with State Farm, a discount not available in every state. To see if you qualify, you’ll need to complete the Roofing Installation Information and Certification Form.
Pros
Offers inflation coverage
Solid bundling discount
Above-average J.D. Power customer satisfaction rating
Cons
Low Trustpilot rating
Complaints about claims experience
Not as many discounts as some insurers
Encompass: Best for new homeowners
new homeowners
Encompass
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 |
|---|---|
| $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. | $406/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. | $661/mo |
If you recently purchased a home and are looking for homeowners insurance in Louisiana, Encompass is a good option. New homeowners may qualify for a homebuyer discount if the home is less than 49 years old and you purchased it within the past five years.
If you just bought your dream home in New Orleans or Baton Rouge, you may qualify for a discount. The company also offers a dwelling age discount, a renovation discount, and a claims-free discount. The insurance company also offers a credit if you have protective devices like burglar or fire alarms and safety devices.
Pros
Various discounts
Robust optional coverages
A+ BBB rating
Cons
Not the cheapest premiums
Limited Trustpilot reviews
Can’t file a claim online
Farmers: Best for mobile and manufactured homes
mobile and manufactured homes
Farmers
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. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $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. | $410/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. | $686/mo |
Farmers offers homeowners insurance in Louisiana for people with mobile and manufactured homes. Louisiana has around 260,000 mobile homes, making up 12.5% of the state’s housing.
Not all home insurance companies cover mobile and manufactured homes, so Farmers is worth looking into if you need this coverage.
You may also be able to score a discount of up to 10% or more with Farmers when bundling home and auto insurance policies.
Pros
Insures mobile and manufactured homes
A (Excellent) AM Best financial strength rating
Many available discounts
Cons
Higher average premiums
Below-average J.D. Power customer satisfaction rating
Low Trustpilot rating
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Louisiana to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance in Louisiana
The cheapest homeowners insurance company in Louisiana is Foremost. In the table below, you can see which home insurance companies offer the most affordable coverage in the state.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company  | Average Annual Premium |
|---|---|
| Foremost | $2,616 |
| USAA | $2,652 |
| State Farm | $4,476 |
| Encompass | $4,872 |
| Farmers | $4,920 |
| Allstate | $5,136 |
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How much does homeowners insurance cost in Louisiana?
The average cost of home insurance in Louisiana is $5,136 per year for $300,000 in dwelling coverage, according to Insurify data. But you could pay more or less for a policy depending on your home’s unique risk factors, your chosen coverages, and more.
Some factors that can affect your premiums include weather risks like hurricanes, tornadoes, and floods, deductibles, credit history, the age of your home, ZIP code risk (such as inland versus coastal), and your claims history.[2]
Given the severe weather events that have hit Louisiana in the past, home insurance in the state is much more expensive compared to the national average.
Cheapest home insurance companies in Louisiana by dwelling coverage
Your dwelling coverage is a key part of your homeowners insurance policy. You want to make sure you have enough to cover the cost to rebuild your home if a covered peril damages or destroys it.[3]
Here, you can see how homeowners insurance in Louisiana varies depending on the amount of dwelling coverage and the cheapest insurers.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Foremost | $1,752 |
| USAA | $1,956 |
| Allstate | $3,000 |
| Encompass | $3,288 |
| State Farm | $3,372 |
| Farmers | $3,552 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| Foremost | $2,616 |
| USAA | $2,652 |
| State Farm | $4,476 |
| Encompass | $4,872 |
| Farmers | $4,920 |
| Allstate | $5,136 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $3,972 |
| Foremost | $5,136 |
| State Farm | $6,360 |
| Encompass | $7,932 |
| Farmers | $8,232 |
| Allstate | $9,396 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $5,580 |
| State Farm | $8,412 |
| Foremost | $9,060 |
| Encompass | $11,760 |
| Farmers | $12,804 |
| Allstate | $14,724 |
Louisiana homeowners insurance cost by city
The cost of Louisiana homeowners insurance depends a lot on the region.
Shreveport has the cheapest homeowners insurance in Louisiana, while New Orleans has the most expensive premiums, according to Insurify data. The likelihood of major weather events, like hurricanes, floods, and tornadoes, can affect rates. The city’s crime and vandalism rates, as well as your home’s proximity to a fire station, also affect premiums.
Here, you can see the average annual premium in several Louisiana cities.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Data reviewed by Andrew Huang
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
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City | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| Shreveport | $3,288 |
| Baton Rouge | $4,584 |
| Lafayette | $6,252 |
| New Orleans | $10,620 |
What homeowners should know about insurance in Louisiana
Homeowners insurance in Louisiana is comparably expensive because the area is prone to several natural disasters. Louisiana homeowners have the second-highest property insurance rates, according to Insurify data. It’s important to understand your area’s unique risk factors and carefully evaluate your insurance needs to make sure you’re fully protected.
Hurricanes
Hurricane season spans from June 1 to Nov. 30.[4] Hurricanes are a peril that a standard homeowners insurance policy covers. It’s important to note that it mostly covers wind damage and not all types of damage, like flooding.
Flooding
Flooding can be common in Louisiana. When hurricanes hit, standard home insurance policies don’t cover any flooding damage. That’s why it’s essential to assess your level of risk. If needed, you can get flood insurance through the National Flood Insurance Program (NFIP) or some private insurance companies.
Tornadoes
Though hurricanes and flooding might be more common, seven federal disasters have been declared due to tornadoes in Louisiana since 1965, according to the Governor’s Office of Homeland Security & Emergency Preparedness.[5]
Louisiana is prone to these major weather events. In fact, there were 106 confirmed weather/climate disaster events from 1980–2024, according to the National Centers for Environmental Information. This includes 44 severe storm events, 10 flooding events, 27 tropical cyclone events, and more.[6] It’s key to research your insurance coverage and stay proactive and prepared.
How much homeowners insurance do you need in Louisiana?
State laws don’t require that you have home insurance when buying a property. But if you take out a mortgage, your lender will likely require you to carry home insurance.
Be sure the coverage limits on your property insurance are enough to cover replacing your home, your personal belongings, liability protection, and additional living expenses. Every homeowner has different needs and expenses, so it’s essential to get sufficient coverage to match yours.
Understand what your home insurance policy covers and what the policy doesn’t cover. For example, your home insurance may cover wind damage, but your policy might have restrictions if you live near the Gulf. Also, you have coverage for water damage in certain cases, but that doesn’t include floods.
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How to contact the Louisiana Department of Insurance
The Louisiana Department of Insurance works with both consumers and insurance companies as a regulator to ensure a fair marketplace. It also checks that companies are complying with state laws. Through the agency, you can get more information about insurance policies and file a complaint.
You have various ways to contact the Louisiana Department of Insurance, including:
Phone for general information: 1 (800) 259-5300 or 1 (800) 259-5301
Direct phone number: 1 (225) 342-5900
Email: Fill out the Email Us form to contact via email
Mailing address:
Louisiana Department of Insurance
P.O. Box 94214
Baton Rouge, LA 70804
Louisiana homeowners insurance FAQs
If you’re shopping around for homeowners insurance in Louisiana, here’s additional information to consider when comparing quotes.
The average annual cost of home insurance in Louisiana is $5,136 per month for a policy with $300,000 in dwelling coverage, according to Insurify data. Your home insurance costs depend on multiple factors, like your policy limits, home value, coverages, ZIP code, and weather risks.
The company with the cheapest homeowners insurance in Louisiana is Foremost, with rates averaging $218 per month, according to Insurify data. You can lower insurance rates by bundling policies and home insurance discounts.
No. Louisiana state law doesn’t require homeowners insurance. But many lenders require homeowners to get home insurance to protect against property damage. You can also get specific endorsements and policy features for more protection.
You can lower your home insurance premiums in Louisiana by bundling policies, increasing your deductible, taking advantage of discounts, adding security and safety features, and comparing home insurance quotes.
The average cost of home insurance with $400,000 dwelling coverage in Louisiana is $562 per month. Insurance costs depend on whether you have replacement cost coverage or actual cash value, so make sure to carefully review your policy information.
Louisiana faced a home insurance crisis with surging premiums and some insurance companies leaving, due to more claim payouts resulting from extreme weather events. Though the situation is improving slightly with more insurance companies.
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.
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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM States, U.S. Territories, Canada and Aggregate Other Alien 35-Total All Lines."
- National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
- Insurance Information Institute. "How much homeowners insurance do I need?."
- The City of New Orleans. "Hurricanes & Tropical Weather."
- Louisiana Governor’s Office of Homeland Security & Emergency Preparedness. "Tornadoes."
- National Centers for Environmental Information. "Louisiana Summary."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Data expert on auto trends and driver behavior
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.
Featured in
Chartered financial analyst
12+ years in data analysis and marketing
Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.
Featured in