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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in Louisiana, the average annual premium is $1,945, making it one of the most expensive states in the nation. Even though insurance is more expensive for homes in Louisiana, having insurance is vitally important because hurricanes, tropical storms, tornados, and other hazards cause serious damage to homes each year.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Louisiana homeowners insurance policy.
We can’t be 100% certain, but last year, insurance companies spent more than $711 million on home insurance claims in Louisiana. That's a lot of unfortunate events happening to Louisiana homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Louisiana is compared to the rest of the US.
The crime rate in Louisiana is higher than the national average, so homeowners should be sure to secure their property by locking doors and windows, and keeping entryways well-lit and unobstructed from view.
Hurricanes and tropical storms can cause a lot of difficulties for local homeowners. Residents should be sure they have the proper coverage with their home insurance, and should be sure to supplement their coverage with flood insurance through the NFIP.
The estimated cost to rebuild your home will play a large role in how much your home insurance costs. In Louisiana, the average home value is lower than the national average, and this helps to keep insurance rates from skyrocketing.
Yes! There are currently 421 Independent insurance agents in Louisiana who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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