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Louisiana Homeowners Insurance Quotes

Shopping for Louisiana homeowners insurance is not easy because the state of Louisiana has ranked in the top 3 for having the highest homeowners insurance premium in the country. Now, although Louisiana may be a high premium state, GetHomeInsuranceQuotes.com can help you find affordable coverage and can also provide you with additional discounts so you may be able to save between 15% and 22% more just by combining your home-auto insurance policy together. Or maybe you moved recently and your new home is in a lower risk area for wind and floods, that will help you save additional money on your homeowners insurance. You can also get discounts if you are a non-smoker, have or plan to install a security alarm and have a smoke detector in every room. These are great ways to save more, so speak with your new home insurance agent about coverages and discounts that can apply to your policy.

Louisiana is rated as a high premium state because it has a higher risk of flood and wind damage. Once of reasons is because much of the state's lands were formed from sediment that washed down the Mississippi River, which left a lot of coastal marsh and swamp areas. Elevation is a major risk factor when it comes to homeowners insurance and so it is important for you to know that a flood insurance policy is a separate policy from your standard homeowners insurance coverage. Make sure that if your home is at risk of being in a flood zone in Louisiana, that you get the additional flood insurance coverage.

For Louisiana home insurance quotes, simply enter your zip code above to get started!

Average Homeowners Insurance Premiums in Louisiana

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Louisiana homeowners are paying on average. Did you know that the average homeowners insurance premium in Louisiana is $2038? Louisiana is now ranked 3 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Louisiana is 55.45% more than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$2038 (0%)$ 1703
2019$2037 (2.5%)$ 1701
2018$1987 (0.96%)$ 1661
2017$1968 (0.05%)$ 1641
2016$1967 (1.12%)$ 1641

When we combine the state averages over the last decade, the Louisiana overall average is estimated to be around $1,868.73. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Louisiana current state rank compare to the rest of the country is #3. Consider shopping your Louisiana home insurance with us so we can help you save up to 40% or more on your policy.

Louisiana Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]

  • Are homeowners insurance companies increasing deductibles?  Posted on Thursday 22nd August, 2024

    This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket.   As the cost of claims increases, particularly […]

  • Homeowners in Texas are Seeing Home Insurance Rates Increase Posted on Wednesday 7th August, 2024

    Homeowners in Texas are feeling the squeeze as homeowner insurance rates continue to climb. In a recent NBC 5 Investigates article, they looked at just how dramatic recent rate increases have been across Texas. Melinda Clifton has seen destructive weather cause hail damage to her roof three times in the last twenty years according to […]

Louisiana Housing & Real Estate Data

Details:Staticstics
Total Housing Units1964981
Occupied Housing Units1728360
Vacant Housing Units236621
Vacant Housing Units for Rent66857
Vacant Housing Units Rented Not Occupied3273
Vacant Housing Units For Sale21480
Vacant Housing Units Sold Not Occupied7294
Vacant Housing Units For Seasonal Occasional Use42253
Vacant Housing Units All Other Vacants95464
Housing Units Homeowner Vacancy Rate Percent1.8
Housing Units Rental Vacancy Rate Percent10.5
Housing Tenure Occupied Units1728360
Housing Tenure Occupied Units Owner Occupied1162299
Housing Tenure Occupied Units Owner Occupied Population3032918
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.61
Housing Tenure Occupied Units Renter Occupied566061
Housing Tenure Occupied Units Renter Occupied Population1373027
Housing Tenure Occupied Units Renter Occupied Average Household Size2.43

Understanding Louisiana Homeowners Insurance

When shopping for Louisiana homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for Louisiana renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in Louisiana, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Louisiana rates and coverage options.