The Best Home Insurance in Louisiana for 2025

Chubb, USAA and Amica are the best home insurance companies in Louisiana, according to our analysis.

To help you find the best home insurance in Louisiana, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.3 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Below are more details about the best homeowners insurance companies in Louisiana.

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.

Chubb caters to well-to-do homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home. This is useful in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Chubb policyholders with secondary or seasonal homes are eligible for the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

Amica stands out for its broad range of coverage options. For example, you can customize your policy with broader coverage for your dwelling and your belongings. You may also want to add coverage for identity theft or damage from backed-up drains.

The company shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

» READ MORE: Amica homeowners insurance review

As America’s largest home insurer, State Farm stands out for its long list of coverage options. Its policies generally come with extra dwelling coverage, and you may be able to add coverage for things like identity theft, underground utility lines and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy. This automatically increases your policy limits to keep up with rising costs.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may have the option to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Farmers stands out for its lengthy list of discounts. You can save by doing things like installing fire alarms or sprinklers, not smoking and paying premiums on time.

You can add coverage to your policy, like personal property replacement cost coverage, which will fully reimburse you for the cost of replacing your belongings. You may also want to buy water backup coverage, which applies if sewer lines or sump pumps back up and damage your home.

Farmers receives fewer complaints than expected for a company of its size according to the NAIC.

» READ MORE: Farmers homeowners insurance review

Kin was founded to provide coverage in high-risk states where affordable homeowners insurance can be hard to find. Kin’s policies include replacement cost coverage for your belongings, a more generous type of coverage than some insurers offer. You can also add coverage for identity theft, fungi and mold, and damage from backed-up drains.

Note that coverage for dog bites and other animal liability claims is optional with Kin. (Most other companies include it.) If you have a pet, consider adding animal liability coverage to your policy.

» READ MORE: Kin homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Louisiana is $2,220. That’s 5% more than the national average of $2,110.

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 $4,110 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 85% more than those with good credit.

» MORE: How your credit score affects homeowners insurance

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 $2,955 per year, while homeowners in Baton Rouge pay $2,440 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Louisiana average of $2,220.

» MORE: The cheapest homeowners insurance

Louisiana homeowners have found it increasingly harder to find affordable home insurance. A wave of recent hurricanes left billions of dollars in damage, driving more than a dozen insurance companies out of the state or out of business.

That’s left homeowners scrambling to find new coverage and often paying significantly more as the remaining insurers raise their rates. Many homeowners have to buy policies from Louisiana Citizens, the state’s insurer of last resort. By law, Citizens must charge more than private insurers.

In addition to the lack of competition and the risk of hurricanes, inflation also contributed to Louisiana’s higher insurance premiums. It now 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 tropical weather more severe, it will likely become increasingly expensive to insure a home located in the path of tropical storms and hurricanes.

» MORE: 9 ways to lower your home insurance costs

Here are some things to know when buying home insurance in Louisiana.

Hurricanes and tropical storms

Its location on the Gulf of Mexico makes Louisiana a prime target for hurricanes and tropical storms. Homeowners insurance usually covers damage from wind but not flooding, so if you’re concerned about flooding, you may want to buy separate flood insurance.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood insurance

If you’re in a coastal area, your home insurance 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.

» MORE: Complete guide to hurricane insurance

Tornadoes

Because homeowners insurance typically covers wind damage, most people don’t need to buy extra coverage for tornadoes. However, if you live in a coastal area that’s at high risk for hurricanes, your insurer may not cover wind damage. That means you won’t have coverage for tornadoes either. You may need to get a policy from Louisiana Citizens to make sure you’re covered.

Thunderstorms and hail

Your homeowners policy will cover most damage caused by thunderstorms, but some types of damage may not be covered.

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 will pay for the damage, minus your deductible. (Again, one exception is for coastal homeowners whose insurers won’t cover wind.)

However, if a thunderstorm brings heavy rain, you might not have coverage for damage caused by flooding. You’d need flood insurance for that.

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.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.