Homeowners Insurance in Metairie, LA

Find coverage that's affordable in minutes with the help of an independent insurance agent in Metairie, LA.

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


Metairie, Louisiana has a population of over 143,500 people. If you own a home in this city, the right coverage will help protect your household. Instead of trying to figure out coverage on your own, you can get help from a local adviser.

A Metairie, Louisiana independent insurance agent can review your policy and quotes through multiple carriers to ensure that you get the best price and protection. They do the shopping so that you can get expert advice. Consider working with a licensed professional for free.

What Is Homeowners Insurance?

Your Metairie, Louisiana homeowners insurance helps cover your risk exposure when a loss occurs. From property damage to a liability claim, your home policy is vital in protecting your finances. The right coverage can make all the difference when selecting insurance.

What Does Homeowners Insurance Cover in Metairie, Louisiana?

Home insurance in Metairie, Louisiana will protect against several claims. Each limit will be customized under an umbrella of coverage selections. Below are the primary coverages included under your home policy:

  • Personal liability: Pays for bodily injury, property damage, libel, or slander claims against a household member.
  • Additional living expenses: Pays for your temporary stay at another property when a claim renders your home unlivable. 
  • Personal property: Pays for the replacement or repair of your personal belongings.
  • Medical payments: Pays for the first $1,000 - $10,000 of a medical expense when a third party gets injured on your property.
  • Dwelling limit: Pays for replacing or repairing your home when a covered claim occurs.

Most homeowners aren't aware that their home policy excludes flood damage. A separate flood insurance policy must be purchased to protect your home adequately. Without this critical policy, you will be at risk for financial loss if a flood loss occurs.

Common Disasters Homeowners Insurance Covers in Metairie, Louisiana

Common disasters in Metairie, Louisiana are typically covered under your homeowners policy. Check out which primary catastrophes are included under your home insurance below:

  • Fire
  • Lightning
  • Theft and vandalism
  • Wind
  • Hail
  • Severe storms

Metairie's weather-related statistics:

The number of natural disasters in Metairie: 31

Major presidentially declared disasters in Metairie: 23

Emergencies declared in Metairie: 5

Let's look at the top three causes in Metairie:

Hurricanes: 17 declared as a disaster

Floods: 6 declared as a disaster

Storms: 6 declared as a disaster

How Much Does Homeowners Insurance Cost In Metairie, Louisiana?

The price for your Metairie, Louisiana homeowners insurance will vary based on your unique risk factors. Quotes will have to be run for exact costs, but the below criteria are what you'll need to provide for carriers to determine your premiums:

  • How new your house is
  • Your credit score
  • If you have a pool, trampoline, or pet
  • Where you live
  • How close you are to a fire department
  • How close you are to a fire hydrant
  • How many claims you've filed
  • The materials of your home
  • The square footage of your home
  • The cost to replace your home

Cheap Homeowners Insurance Near Me

Cheap home insurance in Metairie, Louisiana is possible if you're proactive. Below is a baseline of what your home insurance costs could look like:

The average home insurance premium:

  • Annual national average: $1,211
  • Annual Louisiana average: $1,968

Bundling your policies with the same insurance company means you could receive savings of 30% or more. A good credit score goes a long way with carriers, giving you discounts. Other ways to cut costs are through updated home safety features and no prior losses.

What Are the Best Homeowners Insurance Companies in Metairie, Louisiana?

Homeowners insurance can be challenging when you're not sure where to begin. Some of the highest-rated carriers used to insure homes in Metairie, Louisiana are as follows:

Best Homeowners Insurance Companies In Metairie, LA Star Rating
4.5/5 star rating
5 star rating
5 star rating

These insurance companies receive high marks for their extraordinary customer service and broad coverage selection. Obtain quotes through these markets to get the best coverage in town.

How a Local Agent Can Help Find Homeowners Insurance in Metairie, Louisiana

When looking for home insurance that doesn't break the bank and suits your needs, you can find comfort in working with a local adviser. To adequately protect one of your most significant assets, you'll need to review limits with a professional. Fortunately, you're not alone, and there is someone who can help.

A Metairie, Louisiana independent insurance agent can shop through multiple markets at once, comparing them for free so that you can save. Connect with a trusted expert and get started today in no time. 

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