Home Insurance in Louisiana
Louisiana homeowners pay an average of $2,641/year for homeowner's insurance — above average compared to the national average of approximately $1,700/year.
Primary Risks in Louisiana
The main home insurance risk factors in Louisiana are: Hurricane, flood, subsidence. Louisiana faces extreme hurricane and flood risk. The state has seen multiple insurers exit the market post-Hurricanes Katrina and Ida. Flood insurance through NFIP is essential but separate.
What Standard Home Insurance Covers in Louisiana
- Dwelling: Repairs or rebuilds your home structure after a covered loss
- Personal Property: Replaces furniture, electronics, clothing, and belongings
- Liability: Covers injuries that occur on your property
- Additional Living Expenses (ALE): Pays for temporary housing if your home is uninhabitable
Coverage Gaps to Watch in Louisiana
Standard homeowner's policies in Louisiana typically do not cover flood damage (requires separate NFIP or private flood policy) . Review your policy carefully for exclusions relevant to Louisiana's risk profile.
Frequently Asked Questions
How much is home insurance in Louisiana?
The average annual home insurance premium in Louisiana is $2,641/year. Your actual rate will vary based on your home's age, size, construction type, location within Louisiana, your claims history, and coverage amounts. Use our calculator above to estimate your cost.
What are the biggest home insurance risks in Louisiana?
The primary risks driving home insurance costs in Louisiana are hurricane, flood, subsidence. Louisiana faces extreme hurricane and flood risk. The state has seen multiple insurers exit the market post-Hurricanes Katrina and Ida. Flood insurance through NFIP is essential but separate.
Does home insurance in Louisiana cover flood damage?
No. Standard homeowner's insurance policies — including those in Louisiana — do not cover flood damage. Flood insurance must be purchased separately through the National Flood Insurance Program (NFIP) or a private insurer. Louisiana has significant flood exposure — NFIP coverage is strongly recommended.
How much home insurance coverage do I need in Louisiana?
You need enough dwelling coverage to rebuild your home at current Louisiana construction costs, which can differ significantly from your purchase price or market value. Personal property coverage should equal the replacement value of your belongings. Liability coverage of at least $300,000 is recommended. Use our calculator to estimate your specific coverage needs.