Hurricane & Storm Coverage Home Insurance in Louisiana — From $72/mo
Find home insurance options in Louisiana. Compare Louisiana home insurance — essential protection in a high-risk state
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Why compare Home Insurance in Louisiana?
Prices can vary widely across providers in Louisiana. Whether you’re in New Orleans or Baton Rouge, comparing quotes helps you find better coverage for less.
What you get
- Compare Louisiana home insurance — essential protection in a high-risk state
- Hurricane & Flood Options
- Bundle & Save options where available
Rates in Louisiana
Typical annual rates start from $864 (based on plans from $72/mo)
Louisiana has among the highest home insurance costs nationally due to hurricane exposure, flooding risk, and a volatile carrier market. Several carriers have exited the state in recent years, reducing competition. New Orleans and coastal parishes face the highest premiums. Flood insurance is essential in most of the state but sold separately.
Estimated monthly rates by home profile in Louisiana
Estimates vary by property type, age, and location within Louisiana. Here's what homeowners often see:
| Home profile | Est. monthly | New construction | Flood available |
|---|---|---|---|
| Single family, $100k–$200k value | $72–$100 | No | ✓ |
| Single family, $200k–$350k value | $105–$145 | No | ✓ |
| Older home, built pre-1970 | $115–$160 | No | ✓ |
| New construction (wind-rated) | $62–$88 | Yes | ✓ |
| Coastal parish | $135–$200 | No | ✓ |
Compare Louisiana home insurance — essential protection in a high-risk state
Get Hurricane & Storm Coverage plans starting at $72/mo — includes Hurricane & Flood Options.
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Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
Why is Louisiana home insurance so expensive?
Hurricane exposure, flooding risk, carrier exits reducing competition, and high rebuild costs after storm damage drive Louisiana's premiums well above the national average.
Does Louisiana insurance cover hurricanes?
Wind damage is covered, but most Louisiana policies have a separate, higher hurricane deductible (typically 2–5% of dwelling value). Flood damage requires separate flood insurance.
Is flood insurance required in Louisiana?
Required in FEMA flood zones, but recommended statewide given Louisiana's flood history. Most of the state faces some flood risk.
What's a hurricane deductible?
A separate, percentage-based deductible that applies only to hurricane claims — typically 2–5% of your dwelling coverage. On a $200K home, that's $4,000–$10,000.
Are carriers leaving Louisiana?
Yes. Several carriers have reduced or exited Louisiana in recent years. This makes comparing remaining carriers even more important.
How to lower LA home insurance?
Wind mitigation features (hurricane straps, impact windows), bundling, higher deductibles, and comparing the carriers still active in your area.