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