Lake Charles Homeowners Insurance

What Your Lake Charles, LA Home Insurance Policy Needs

Find the right home insurance policy for you.

Ruston Louisiana homeowners insurance

Lake Charles is well known as the Festival Capital of Louisiana, with more than 75 fairs and festivals happening each year. Residents enjoy easy access to the peaceful freshwater lake and the only white sand inland beach on the Gulf Coast. There's no denying that this city is a wonderful place to live, but homeowners do have to plan ahead in case of bad weather. Hurricanes frequently blow across the city, leaving behind a trail of destruction and property damage to deal with in their wake. If you own a home in this area, make sure your property is covered with the best Lake Charles homeowners insurance

Flooding, hail damage and severe winds all come into play with a hurricane, but a comprehensive Lake Charles home insurance policy will cover them all. Our Independent Insurance Agents take a personal approach to help each homeowner create a customized policy that will protect against the most serious threats. Our experienced agents can offer quotes from a wide network of policies so you can look at all of the options and choose the plan that is right for your budget and home location.

Cost of Homeowners Insurance in Louisiana

  • National yearly premium average: $1,211
  • Louisiana yearly premium average: $1,968
  • 2nd most expensive premium in the U.S.

Living in Lake Charles offers many benefits, but home insurance can be quite expensive. There are a number of variables that will influence the cost of homeowners coverage, ranging from the size and age of your home to your history of recent claims. Some homeowners are able to get discounts on coverage by installing security systems or taking added precautions against fire or burglary. Our Independent Insurance Agents in Lake Charles will work with you to determine how you can get the best rate and save money on your personalized home insurance policy.

Number of Thefts in Louisiana

  • National number of burglaries: 37,814
  • Louisiana number of burglaries: 41,184

Louisiana has a much higher rate of burglaries than other places in the United States. Even if you lock your doors and install a security system, you could still be targeted by thieves. Having a comprehensive homeowners insurance policy allows you to replace any items stolen from your Lake Charles home and repair damage from break-ins so you can move on with your life.


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Number of Disasters in Louisiana

  • Number of recorded disasters in Louisiana: 90
  • Number of tornadoes in Louisiana per year: 37
  • Amount of property damage in Louisiana: $10,240,000
  • 1 in 15 insured homes has a claim each year

Louisiana is prone to weather-related disasters. With 37 tornadoes touching ground in the state each year, property damage routinely exceeds $10 million. Whether you need to repair a roof or replace broken windows, your homeowners insurance will cover the expenses.

What Are the risks in Lake Charles?

As a high-risk hurricane zone, Lake Charles has a long history of major storms that caused significant damage to local homes. There have been 48 hurricanes to hit the city since 1930, and unfortunately, new storm systems seem to approach every year. When you choose to live in an area that is frequently threatened by hurricanes, like Lake Charles, you should take extra precautions to protect your property. Home insurance is a good place to start. 

Compare Lake Charles Home Insurance Quotes

If you are worried about the cost of home insurance, our Independent Insurance Agents can help. You will receive quotes on multiple policies all in one convenient place so you can weigh the pros and cons and choose an affordable home insurance policy that still provides adequate coverage to protect your home and valuables. 

Contact an agent in Lake Charles today to get a personalized homeowners insurance quote.

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