Popular Questions about Louisiana Home Insurance

The average annual cost of homeowners insurance in Louisiana is $1,968, which is much higher than the national figure of $1,211 per year. If you're looking to save money on your home coverage, consider working with a licensed professional for free.

In Louisiana, there are various exposures that cause your home insurance premiums to increase. Natural disasters are a main concern in this state. The top 5 homeowners risks are:

  • Flooding and water damage
  • Burglary and other property crimes
  • Hurricanes and tropical storms
  • Severe storms and lightning damage
  • Tornadoes

Each state appoints numerous carriers that you can obtain homeowners insurance through. In Louisiana, Safeco, Progressive, and Stillwater insurance companies are top-rated. These markets are known for their excellent claims service and broad coverage selection. The best insurance company for your situation will need to be quoted through a licensed adviser.

Louisiana carriers use the following risk factors when calculating your home insurance costs:

  • Which coverages did you select?
  • What's the local crime rate?
  • What natural disasters occur in the area?
  • What's the replacement cost of your home?
  • How many claims have you filed in the past?

Yes, Louisiana has 421 independent insurance agencies in existence currently. When you work with an independent agent they do the shopping through dozens of top-rated markets for free. This allows them to find you the best policy for an affordable price and save you time and money.

In Louisiana, you'll have options when choosing your home insurance coverages. Some of the key limits that you'll want to include are:

  • Water/sewer back-up
  • A separate flood policy
  • Waterline coverage
  • 100% replacement cost on your home

Do You Know What Your Louisiana Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Gonzales$2,183$176,0748.73
Leesville$1,240$98,65711.80
Westwego$1,570$128,6965.74
Breaux Bridge$2,114$175,04710.89
Rayne$1,141$88,6426.35
Oakdale$862$66,48111.69
Donaldsonville$1,447$118,1775.74
Tallulah$745$61,3678.82
Plaquemine$1,613$132,2175.86
New Orleans$2,446$219,7006.45
Baton Rouge$1,999$166,10010.39
Shreveport$1,812$150,00010.42
Lafayette$2,306$193,9009.48
Lake Charles$2,081$146,10021.15
Slidell$1,949$160,2156.30
Central$2,078$180,4005.98
Ruston$1,977$174,3014.50
Sulphur$1,662$141,3507.99
Hammond$2,475$180,97230.47
Natchitoches$1,936$150,11616.53
Gretna$1,882$163,5766.01
Opelousas$1,597$105,65125.55
Zachary$2,434$214,8764.23
Pineville$1,626$135,5729.53
Baker$1,446$125,8226.23
Crowley$1,219$93,86213.57
Minden$986$91,0923.49
Kenner$1,832$161,2004.86
Bossier City$1,908$163,9007.12
Monroe$2,019$150,27420.63
Alexandria$1,897$139,29420.93
Houma$2,020$167,4785.60
New Iberia$1,519$121,7507.27
Bogalusa$1,018$71,38216.64
Bastrop$1,526$68,18643.89
DeRidder$1,588$139,4625.35
Eunice$1,425$107,13216.09
Jennings$1,210$105,2626.42
Denham Springs$1,971$143,93616.92
Walker$1,805$162,6342.68
Youngsville$2,625$239,2073.25
West Monroe$1,751$129,20919.52
  1. $182
  2. Gonzales, LA Home Insurance
  3. The average monthly cost of homeowners insurance in Gonzales is $182. 
  4. There are several important factors that will determine how much you pay for home insurance in Gonzales. The crime rate in your ZIP code, the size and age of your home, the amount of coverage you are purchasing, and even your credit score are just some of the factors that can play a role in your actual rate.
  5. With its proximity to the Gulf Coast, Gonzales is frequently battered by hurricanes and tropical storms. These storms can destroy roofs, shatter windows, and destroy property. Fortunately, your homeowners insurance can cover the costs to make repairs. It can also protect you against other hazards such as property crimes, accidental fires, and liability lawsuits.


  1. $103
  2. Leesville, LA Home Insurance
  3. The average monthly cost of homeowners insurance in Leesville is $103. 
  4. Your home insurance cost could be higher or lower, depending on various factors like the local crime rate, the size of your house, the amount of coverage you need, and sometimes even your credit score. Each company calculates rates in a different way, so it pays to comparison shop.
  5. Leesville homeowners insurance can cover you against losses brought about by severe weather events, accidental fires, liability lawsuits, and property crime. Crime is an ongoing risk in Leesville, and even the most careful precautions cannot guarantee that you won't be targeted. If you come home from vacation and discover that your home has been ransacked and your electronics and jewelry are missing, you can file a claim with your home insurance and your insurance company will seek to compensate you for the value of the stolen valuables.


  1. $131
  2. Westwego, LA Home Insurance
  3. The average monthly cost of homeowners insurance in Westwego is $131. 
  4. Of course, your actual premium could be significantly higher or lower than the average. This is because rates are calculating according to a number of different factors that can include the age of your home, its building materials and square footage, the crime rate in your ZIP code, and in many cases, even your credit score.
  5. Westwego is located close to the Gulf Coast, and this puts residents at serious risk of property damage caused by tropical storms and hurricanes. The destruction these storms cause can be devastating. Fortunately, your home insurance policy can provide the funds needed to repair, replace, and rebuild. Frequently these storms lead to area flooding. While the storm itself may be covered, flood damage is not. 


  1. $176
  2. Breaux Bridge, LA Home Insurance
  3. The average monthly cost of homeowners insurance in Breaux Bridge is $176. 
  4. Your actual home insurance rate could be less or more. Rates depend on several factors such as your home's age and square footage, the amount of coverage you need, and any specialized risk factors like if your property includes a swimming pool or trampoline. Comparing quotes enables you to get your coverage at the best rate.
  5. You have made a large investment in your home. Your Breaux Bridge homeowners insurance policy can help you protect that investment. It is designed to cover you against many of the risks you may face as a property owner, including  burglaries, fires, liability lawsuits, and severe weather events. If a hailstorm passes through your neighborhood and causes major damage to your roof, there's no need to panic. Your homeowners insurance policy can step in to cover the cost of making repairs.


  1. $95
  2. Rayne, LA Home Insurance
  3. The average monthly cost of homeowners insurance in Rayne is $95. 
  4. Keep in mind that the actual cost for your home insurance plan could be higher or lower than the average. Your home’s value and size play a large role in how your rate is calculated. Also, risk factors like swimming pools, trampolines, and aggressive dog breeds could drive up your insurance prices.
  5. Your Rayne home insurance policy can cover you against risks such as accidental fires, burglaries, liability lawsuits, and severe weather. Because this city is located close to the Gulf Coast, homeowners are susceptible to the damaging effects of hurricanes and tropical storms. If your house sustains damage caused by a covered event, you can file a claim to recoup your losses. 


  1. $72
  2. Oakdale, LA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Oakdale is $72. 
  4. Your actual home insurance premium could be significantly more or less than the average. It all depends on several  factors such as your home's age and square footage, the building materials used in its construction, and any high-risk factors like a swimming pool or dangerous breed of dog.
  5. Oakdale homeowners insurance can cover you against losses related to severe weather damage, accidental fires, liability lawsuits, and property crimes. The burglary rate in Oakdale is much higher than the national average, which means homeowners should take precautionary steps to protect their property. These include using deadbolt locks, keeping entryways well-lit and unobstructed from view, and putting lights on timers when you are away. If your home is burglarized, first make sure that you and your family are safe and then call the authorities. You will need a copy of the police report when you contact your insurance company for compensation.


  1. $121
  2. Donaldsonville, LA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Donaldsonville is $121. 
  4. Rates can vary from one home to the next. Your actual cost will be based on factors such as your home's size and location and the local crime rate. Your credit score and previous claims can also play a role in your final rate on home insurance.
  5. Donaldsonville homeowners insurance is designed to cover you against the many risks you face as a homeowner in this city. These include property crimes, liability lawsuits, accidental fires, and, of course, severe weather events. Given its proximity to the Gulf Coast, this city frequently faces the damaging winds and rains brought about by tropical storms and hurricanes. While these weather events may be covered, the resulting flooding is not, so be sure to supplement your home insurance with a flood insurance policy. 


  1. $62
  2. Tallulah, LA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Tallulah is $62.
  4. Your actual rate can vary from this average because each rate is calculated individually according to a variety of factors, which can include the age, size and value of your home, the crime rate in your ZIP code, and, in some cases, even your credit score. Each insurance company has its own propriety method for assessing risk and assigning rates, so it pays to comparison shop.
  5. Your Tallulah homeowners insurance can protect the investment you have made in your home by covering losses related to property crimes, severe weather damage, and other risks. Residential fires are always devastating, and they are fairly common in older homes with outdated wiring, or in homes where one or more occupants smoke. If your home catches fire, rebuilding can be expensive. Fortunately, fires are covered under your home insurance policy, so you'll have the money you need to replace your belongings and repair or rebuild your house.


  1. $134
  2. Plaquemine, LA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Plaquemine is $134. 
  4. Of course, rates can vary significantly from one homeowner to the next. This is because insurance companies assess risk and assign rates according to a variety of factors, including the size, age, and construction of your home, the crime rate in your ZIP code, and your credit and claims history. Because each insurer calculates rates in a different way, it is to your benefit to compare quotes from multiple carriers before making a purchase.
  5. Your Plaquemine homeowners insurance is designed to shield you from large financial losses related to the risks you face as a homeowner in this city. It can cover losses caused by burglaries, residential fires, liability lawsuits, and, most importantly, severe weather events. With its proximity to the Gulf Coast, Plaquemine residents can frequently experience heavy winds and rains brought about by tropical storms and hurricanes. Sometimes, these storms also cause flood damage, but this is excluded from home insurance policies. Be sure to talk to your independent agent about supplementing your coverage with a flood insurance policy.


  1. $204
  2. New Orleans, LA Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in New Orleans is $204. 
  4. Homes in this city can range from shotgun bungalows to full-scale mansions, so it should come as no surprise that the rates for home insurance within this city are also likely to vary. Some factors that can influence your coverage rates include the size, age, and value of your home, the building materials from which it was constructed, the amount of coverage you wish to purchase, and your credit and claims history.
  5. Residents of New Orleans can experience loss or damage to their homes caused by a wide array of risk factors, ranging from property crimes to severe weather damage. Home insurance is designed to provide coverage against most of these losses. Hurricanes and tropical storms can bring a great deal of destruction to this city, and fortunately, home insurance can cover the damage. Unfortunately, because this city is below sea level, flooding is the biggest risk, and this damage is not covered by your New Orleans home insurance policy.