How to Find the Best Homeowners Insurance in Louisiana

The best homeowners insurance in Louisiana is a policy that provides the coverage that you need at a price that’s within your budget. Choosing homeowners insurance is an essential step in protecting your investment in your home, and knowing that your home is protected gives you peace of mind.

But shopping for homeowners insurance in Louisiana can be a bit of an overwhelming process. That’s why we’ve outlined the essential details that you need to know to help you get started.

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The Average Cost of Home Insurance in Louisiana

The average cost of home insurance in Louisiana is $1,992 per year for $250,000 in coverage. In comparison, the national average is just $1,428 per year. Those higher rates for homeowners insurance in Louisiana may be due to the significant damage caused by the hurricanes that have occurred during the past two years, prompting homeowners insurance companies to raise premiums for the state.

The cost of homeowners insurance in Louisiana varies depending on your city, too. While cities like Holden average $1,832 for the year, there are several cities where home insurance rates are as much as 17% more than the state average. Factors like higher crime rates, more frequent natural disasters, and higher-than-average labor rates can result in these higher home insurance costs.

Louisiana City	Average Cost of Home Insurance Per Year
Hahnville	$2,333
Luling	$2,333
Ama	$2,326
Norco	$2,316
Saint Rose	$2,309

Since the cost of homeowners insurance in Louisiana can vary significantly, a personalized quote will give you the most accurate idea of what you can expect to pay. You can get free home insurance quotes in Louisiana from ConsumerCoverage today.

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Coverage Options for Homeowners Insurance in Louisiana

Typical policies for homeowners insurance in Louisiana include the following coverages:

Dwelling
Flood insurance: Most standard homeowners insurance policies don’t include flood insurance, so you may need to purchase a separate policy to cover the costs you might face after a flood.
Windstorm coverage: Most insurance policies include coverage for hurricanes and windstorms, but you may want to purchase additional coverage, especially if your insurance has high deductibles or limits your claims to a single storm per season.
Water backup coverage: Sewers or drain lines can back up, resulting in water damage within your home. This endorsement helps to protect you in case of a backup.
coverage helps to pay for damage and repairs to your home’s structural elements, like the roof and walls, as well as attached structures.
Other structures coverage helps to pay for expenses relating to detached structures, like a shed or detached garage.
Personal property coverage covers the value of certain personal belongings, like furniture and electronics in your home.
Personal liability coverage helps to protect you if another person is injured while on your property.
Medical payments to others helps to cover medical bills that another person faces resulting from an incident that occurred on your property.
Loss of use coverage helps to pay for living costs, like the cost of a rental unit or hotel room, if your home is uninhabitable while it’s being repaired.

While these more basic coverages are included in most policies, you may want to add on certain other types of coverage, especially considering Louisiana’s climate and the natural disasters, like hurricanes and flooding, that often affect the state.

Flood insurance: Most standard homeowners insurance policies don’t include flood insurance, so you may need to purchase a separate policy to cover the costs you might face after a flood.
Windstorm coverage: Most insurance policies include coverage for hurricanes and windstorms, but you may want to purchase additional coverage, especially if your insurance has high deductibles or limits your claims to a single storm per season.
Water backup coverage: Sewers or drain lines can back up, resulting in water damage within your home. This endorsement helps to protect you in case of a backup.

How to Find the Best Homeowners Insurance in Louisiana

You can find the cheapest homeowners insurance in Louisiana by choosing a policy with a higher deductible, which means you’ll pay lower premiums. Keep in mind that you’ll need to be prepared to pay that deductible if you ever have to file a claim. You can look for discounts, too, like discounts for having an alarm system in your home.

Shopping around for insurance can help you to save money on your policy, too. Request a free homeowners insurance quote from ConsumerCoverage today to start comparing policy costs to see what you can save.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.