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The Best Home Insurance in Louisiana for 2023
Homeowners insurance rates are rising in Louisiana, but you still have options.
Sarah Schlichter Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
After a series of hurricanes in 2020 and 2021, Louisiana homeowners insurance rates have risen, and some insurers have even fled the state. The average cost of homeowners insurance in Louisiana is $2,675 per year, significantly above the national average of $1,820 per year.
However, you’ve still got options when it comes to finding quality coverage. Below are our picks for the best homeowners insurance in Louisiana, plus your cheapest options and a few important things to know.
Note: Due to underwriting practices and market volatility, some companies in this article may no longer write new policies in your area.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.
We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
The best homeowners insurance in Louisiana
If you’re looking to buy homeowners insurance from a well-rated national brand, consider one of these insurers from NerdWallet’s list of the Best Homeowners Insurance Companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$2,640
*USAA homeowners policies are available only to active military, veterans and their families.
More about the best home insurance companies in Louisiana
See more details about each company to help you decide which one is best for you.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer with a lengthy list of coverage options.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
User-friendly website.
Agents offer personalized service.
Policies generally include extra coverage for your home’s structure.
Cons
Fewer discounts than some other insurers.
Includes more generous dwelling coverage in standard policies than many other insurers do.
As America’s largest insurer, State Farm stands out for its long list of coverage options. Its policies generally include extra dwelling coverage in case it costs more than expected to rebuild your home after a covered disaster. You may also be able to add coverage for things like identity theft, damage from backed-up drains and personal injury liability.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Tends to be more expensive than other insurers.
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Perks and high coverage limits for affluent homeowners.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Significantly fewer consumer complaints than expected for a company of its size.
Standard coverage includes features that many companies only offer as extras.
Large number of discounts.
Cons
Tends to be more expensive than other insurers.
Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
If you insure a secondary or seasonal home in Louisiana with Chubb, you can sign up for the company’s Property Manager service at no charge. With this service, a Chubb representative will inspect your home after a hurricane, report its condition to you, submit a claim on your behalf and help prevent further damage.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for homeowners looking for many ways to customize their policy.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Extensive list of coverage options.
Far fewer consumer complaints than expected for a company of its size.
Cons
No online quote option.
Has multiple coverage packages, including a generous one for higher-value homes.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Best for homeowners looking for many ways to customize their policy.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Extensive list of coverage options.
Far fewer consumer complaints than expected for a company of its size.
Cons
No online quote option.
Has multiple coverage packages, including a generous one for higher-value homes.
The Hanover gives homeowners lots of choices. You can opt for an auto/home package, a policy designed for high-value homes or a standalone policy for a standard house. You can further customize your policy with a range of coverage options for things like guaranteed replacement cost coverage, which will pay as much as it takes to rebuild your home after a disaster.
The Hanover sells policies exclusively through local independent agents. That means online quotes aren’t available, but you can get personal service to help you choose the right coverage.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Home Check app can help with home maintenance.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Has an approved contractor program to help with claims and an app with home maintenance tips.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Home Check app can help with home maintenance.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Has an approved contractor program to help with claims and an app with home maintenance tips.
Rhode Island-based Amica stands out for its customer service and broad range of coverage options. The company has drawn significantly fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Homeowners insurance with lots of extras available.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Offers deductible discount if you use one of its recommended contractors after a claim.
Easy online quotes.
Lots of useful insurance information on its website.
Cons
Pet liability coverage costs extra.
No bundling discount.
Uses technology to offer reasonably priced insurance in states at risk of climate change.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Homeowners insurance with lots of extras available.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Offers deductible discount if you use one of its recommended contractors after a claim.
Easy online quotes.
Lots of useful insurance information on its website.
Cons
Pet liability coverage costs extra.
No bundling discount.
Uses technology to offer reasonably priced insurance in states at risk of climate change.
Founded in 2016, Kin is an insurance startup that sells policies directly to consumers. Your policy will come with two deductibles (the amount of a claim you’re responsible for) — one for hurricane damage, and one for every other type of claim. You may want to add Kin’s flood insurance to your homeowners policy to make sure you’re fully covered for hurricanes.
Kin offers discounts for things like windproofing your home, being a new homebuyer and having no history of claims.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Offers perks for the military community.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
Below average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include standard coverage that often costs extra elsewhere.
Far fewer customer complaints to state regulators than expected for a company of its size.
Average rates are below the national average, according to NerdWallet’s analysis.
Cons
Available only to active military members, veterans and their families.
With generous coverage at rates below the national average, USAA offers good value for homeowners.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a “replacement cost” basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
The average annual cost of home insurance in Louisiana is $2,675. That’s 47% more than the national average of $1,820.
In most U.S. states, including Louisiana, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Louisiana, those with poor credit pay an average of $4,320 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 61% more than those with good credit.
Average cost of homeowners insurance in Louisiana by city
How much you pay for home insurance depends on where in Louisiana you live. For example, the average cost of homeowners insurance in New Orleans is $3,205 per year, while homeowners in Baton Rouge pay $2,445 per year, on average.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,590
Shelter
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account discounts, coverage options, website transparency, financial strength, complaint data and more.
$2,640
*USAA homeowners policies are available only to active military, veterans and their families.
A wave of recent hurricanes, including Laura, Zeta and Delta in 2020 and Ida in 2021, has caused a crisis in Louisiana’s homeowners insurance market. The storms left billions of dollars in damage, driving more than a dozen insurance companies out of the state or into insolvency.
That’s left homeowners scrambling to find new coverage and often paying significantly more as the companies that remain raise their rates. Many homeowners have had to buy policies from Louisiana Citizens, the state’s insurer of last resort. By law, Citizens must charge more than private insurers, and it recently raised its rates by 63% on homeowners policies.
In addition to the lack of competition and the risk of insuring hurricane-prone homes, inflation is also contributing to Louisiana’s higher insurance premiums. With the price of labor and construction materials going up across the country, it costs more to rebuild a house after a claim, and insurers pass those costs along to their policyholders.
Because experts believe climate change is making hurricanes stronger, it will likely become increasingly expensive to insure a home located in the path of tropical storms. However, Louisiana’s legislature has taken steps to stabilize the market and bring down prices by funding a program to bring insurance companies back to the state.
What to know about Louisiana homeowners insurance
Common natural disasters in Louisiana include hurricanes, tropical storms, thunderstorms, tornadoes and hail, all of which can damage your home. Here’s how to make sure you’ve got the right coverage.
Hurricanes and tropical storms
Its location on the Gulf of Mexico makes Louisiana a prime target for hurricanes and tropical storms. Most homeowners insurance policies cover damage from wind but not flooding, so you may want to buy separate flood insurance.
To check your flood risk, put your address into the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation.
In high-risk coastal areas, home insurance policies may not cover wind damage. If that’s the case for you, Louisiana Citizens may be your only option for coverage. It offers homeowners and wind-only policies to people who can’t find insurance anywhere else.
If your policy does cover wind damage, check whether it 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 such as $1,000 for their deductible, but a hurricane or named-storm deductible is often a percentage of your dwelling coverage limit. So if your home is insured for $200,000 and you have a 2% hurricane deductible, you’ll have to pay for the first $4,000 of hurricane damage.
Louisiana sees dozens of tornadoes each year. Because standard homeowners policies cover wind damage, most people don’t need to buy extra coverage. However, if you live in a coastal area at high risk for hurricanes and your insurer won’t cover wind, you won’t have tornado coverage either. Shop around or turn to Louisiana Citizens to make sure you’re covered.
Thunderstorms and hail
Thunderstorms are common in Louisiana, especially in the warmer months, and some come with hail. Your homeowners policy will generally cover some, but not all potential thunderstorm damage.
Hail, lightning and wind are typically covered. So if hail dents a few shingles or wind blows a tree onto your garage, most homeowners insurance policies will pay for the damage, minus your deductible. (Again, one exception is for homeowners on the coast whose insurers won’t cover wind.)
However, if a thunderstorm brings heavy rain and flash flooding, you might not have coverage for the subsequent water damage. Instead, that would fall under flood insurance.
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. You can call 800-259-5300 for live assistance.
Which insurance companies are pulling out of Louisiana?
Many insurance companies serving Louisiana have gone out of business over the past few years, including Lighthouse, Southern Fidelity and Gulfstream. Others have stopped selling homeowners policies in the state, or in certain hurricane-prone areas. The exodus has left some Louisiana homeowners scrambling for coverage, with many forced to buy policies through Citizens, the state’s insurer of last resort.
Who is writing homeowners insurance in Louisiana?
Companies with the biggest share of Louisiana’s home insurance market include State Farm, Allstate, USAA and Progressive, according to the National Association of Insurance Commissioners.
Is home insurance required in Louisiana?
There’s no Louisiana law requiring you to buy homeowners insurance, but your lender will generally require it if you have a mortgage.
Which insurance companies are pulling out of Louisiana?
Many insurance companies serving Louisiana have gone out of business over the past few years, including Lighthouse, Southern Fidelity and Gulfstream. Others have stopped selling homeowners policies in the state, or in certain hurricane-prone areas. The exodus has left some Louisiana homeowners scrambling for coverage, with many forced to buy policies through Citizens, the state’s insurer of last resort.
Who is writing homeowners insurance in Louisiana?
Companies with the biggest share of Louisiana’s home insurance market include State Farm, Allstate, USAA and Progressive, according to the National Association of Insurance Commissioners.
Is home insurance required in Louisiana?
There’s no Louisiana law requiring you to buy homeowners insurance, but your lender will generally require it if you have a mortgage.
Methodology
NerdWallet averaged rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. 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:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 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.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
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, coverages, discounts and online experience. 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. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare to 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.