Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Louisiana, offering the best coverage for high-value homes.
Amica draws the fewest consumer complaints.
State Farm is our best value pick, with rates that are below the state average.
Allstate offers the best digital tools.
USAA is our top choice for military families.
Louisiana homeowners have faced rising insurance premiums and limited availability in recent years. However, you’ve still got some choices when it comes to insuring your home. To help you find the best home insurance in Louisiana, we analyzed data from insurance companies across the state.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state. Even if an insurer serves your state, it may not write policies for all homes in all areas
The best home insurance companies in Louisiana
best for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb caters to people who want generous coverage for their high-value homes. Its policies come with perks like HomeScan, an infrared technology that can find leaks and other potential problems behind your walls.
Standout feature: If you have a second or seasonal home in Louisiana, consider Chubb’s complimentary Property Manager service. If a hurricane hits your area, Chubb will send a representative to check on your home and even help you file a claim if necessary.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
fewest complaints
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Of the companies we review, Amica has one of the lowest rates of consumer complaints to state regulators. It’s also highly rated in J.D. Power’s recent surveys on home insurance and customer satisfaction.
Standout feature: Amica offers a wide range of ways to save on your home insurance, including a lofty bundling discount up to 30%.
Average rates: Not available.
» READ MORE: Amica homeowners insurance review
best value
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: State Farm had the most affordable rates among our top-rated companies in Louisiana. But you don’t have to sacrifice coverage for a good rate. State Farm offers a wide range of ways to customize your policy.
Standout feature: Because homeowners insurance usually covers payouts for dog bites, many companies restrict the breeds they’ll cover. However, State Farm won’t ask which type of dog you own. That makes it a good choice for owners of commonly restricted breeds like pit bulls and Rottweilers.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,325 |
$400,000 | $1,575 |
$500,000 | $1,815 |
$600,000 | $2,040 |
$700,000 | $2,250 |
» READ MORE: State Farm homeowners insurance review
best digital tools
Allstate
- Lots of discounts to help you save.
- Home-sharing coverage available.
- Many ways to customize your coverage.
- Ranked below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
Why it’s worth a look: Allstate makes it easy to get quotes, file claims, pay bills and manage your policy online. If you’d rather use your phone, the company has a highly rated app with many of the same functions. You can even use the app to see your home’s climate risks.
Standout feature: If you choose Allstate’s Enhanced Package, your premium won’t go up if you file a claim. The package also includes rewards for each year you go without a claim.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $4,730 |
$400,000 | $6,730 |
$500,000 | $8,730 |
$600,000 | $10,730 |
$700,000 | $12,730 |
» READ MORE: Allstate homeowners insurance review
BEST FOR MILITARY FAMILIES
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA serves the military community with home insurance designed for their needs. For example, there’s no deductible for claims involving military equipment or uniforms. And if you’re renting out your house while you’re deployed, you can add landlord or home-sharing coverage.
Standout feature: USAA covers your belongings on a replacement cost basis. That means if your stuff is stolen or destroyed, the company will pay enough for you to buy brand-new items. Some companies pay less for things that have lost value over time.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $2,335 |
$400,000 | $2,825 |
$500,000 | $3,335 |
$600,000 | $3,835 |
$700,000 | $4,320 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Louisiana
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,700 | ||
Auto Club of SoCal (AAA) | Not available | |
Not available |
Common Louisiana home insurance problems
High prices and limited availability. Many Louisiana homeowners have found it hard to find affordable insurance in recent years. A wave of hurricanes in the early 2020s caused billions of dollars in damage, driving more than a dozen insurance companies out of the state or out of business. Inflation also contributed to higher premiums.
The legislature has passed various bills in recent years to help stabilize the insurance market, and there are signs the crisis may be easing. But if another big hurricane hits the state, prices could rise again.
Hurricanes and tropical storms. Its location on the Gulf of Mexico makes Louisiana a prime target for tropical storms. Homeowners insurance usually covers damage from wind but not flooding. If you live in a vulnerable area, you may want to buy separate flood insurance.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
High deductibles. Check whether your policy has a separate deductible for hurricanes or named storms. (A deductible is the amount of a claim you’re responsible for.) Many people choose a flat dollar amount like $1,000 for their deductible. However, a hurricane deductible is often a percentage of your dwelling coverage limit. Say your home is insured for $300,000 and you have a 2% hurricane deductible. You’d have to pay for the first $6,000 of hurricane damage.
Tornadoes, thunderstorms and hail. Home insurance will cover most damage from these common types of weather in Louisiana. For example, your policy will usually pay to replace your roof after a hailstorm or rebuild after a tornado blows through. But if a thunderstorm brings heavy rain, you probably won’t have coverage for damage caused by flooding.
Louisiana Citizens Property Insurance
Louisiana Citizens Property Insurance Corporation is the state’s insurer of last resort. If you can’t find home insurance on the private market, you can turn to Louisiana Citizens for coverage. However, it’ll cost you. Louisiana Citizens is required by law to set rates at least 10% higher than the market.
A licensed agent or broker can help you apply for coverage from Louisiana Citizens.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
How much does homeowners insurance cost in Louisiana?
The average cost of homeowners insurance in Louisiana is $2,430 per year, or about $203 per month. That's 19% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Louisiana homes is $529,132, according to First Street data.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,515 |
$400,000 | $2,020 |
$500,000 | $2,430 |
$600,000 | $2,845 |
$700,000 | $3,255 |
The rates above are for homeowners with good credit. In Louisiana, policyholders with poor credit pay an average of $6,310 per year — more than double what people with good credit pay.
Average cost of homeowners insurance in Louisiana by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in New Orleans is $4,480 per year, while Baton Rouge homeowners pay $2,710 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Alexandria | $2,350 | $196 |
Baton Rouge | $2,710 | $226 |
Bossier City | $2,280 | $190 |
Broussard | $2,885 | $240 |
Gonzales | $3,070 | $256 |
Gretna | $4,470 | $373 |
Hammond | $2,400 | $200 |
Houma | $4,010 | $334 |
Kenner | $4,925 | $410 |
Lafayette | $2,705 | $225 |
Lake Charles | $3,150 | $263 |
Mandeville | $2,820 | $235 |
Monroe | $2,405 | $200 |
Natchitoches | $2,515 | $210 |
New Iberia | $3,870 | $323 |
New Orleans | $4,480 | $373 |
Opelousas | $2,785 | $232 |
Pineville | $2,480 | $207 |
Ruston | $2,440 | $203 |
Shreveport | $2,325 | $194 |
Slidell | $2,830 | $236 |
Sulphur | $3,255 | $271 |
Thibodaux | $4,045 | $337 |
Youngsville | $2,890 | $241 |
Zachary | $2,660 | $222 |
The cheapest home insurance in Louisiana
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
Centauri
Not rated
$990
$1,075
$1,300
$1,325
$2,335
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Centauri
Not rated
$1,275
$1,365
$1,575
$1,725
$2,825
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Centauri
Not rated
$1,500
$1,700
$1,815
$2,075
$3,335
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Centauri
Not rated
$1,725
$2,040
$2,070
$2,420
$3,835
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Centauri
Not rated
$1,955
$2,200
$2,250
$2,770
$4,320
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Louisiana by claims history
Here are the cheapest home insurance companies in Louisiana for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,815 | ||
$1,865 | ||
$2,075 | ||
Centauri | Not rated | $2,115 |
$3,335 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample homeowner with good credit, $500,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Louisiana by credit score
Here are the cheapest home insurance companies in Louisiana for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Centauri | Not rated | $2,450 |
$3,785 | ||
$4,520 | ||
$6,810 | ||
$5,320 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Louisiana Department of Insurance
Got an insurance problem or question? The Louisiana Department of Insurance may be able to help. You can use the agency’s website to file a complaint about your insurer, learn the basics about your policy or look up insurance agents. For live assistance, call 800-259-5300.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Many insurance companies serving Louisiana went out of business over the past several years, including Lighthouse, Southern Fidelity and FedNat. Others stopped selling homeowners policies in the state, or in certain hurricane-prone areas. The exodus left some Louisiana homeowners scrambling for coverage. Many had to buy policies through Citizens, the state’s insurer of last resort.
Companies with the biggest share of Louisiana’s home insurance market include State Farm, Allstate, USAA and Liberty Mutual, according to the National Association of Insurance Commissioners.
There’s no Louisiana law requiring you to buy homeowners insurance, but your lender will generally require it if you have a mortgage. For more information, read Is Homeowners Insurance Required?
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
