Best Louisiana Homeowners Insurance for 2026
State Farm is a good overall choice, but also check Farmers for discounts
Advertising Disclosures
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- State Farm has the best homeowners insurance for most people in Louisiana thanks to its affordable rates and broad coverage options.
- The average cost of homeowners insurance in LA for a $400,000 home is $2,903.
- Louisiana residents should purchase homeowners coverage that protects against common regional risks, including hurricanes, severe storms, wind damage and flooding (through a separate flood insurance policy if required).
Best homeowners insurance in Louisiana
Finding the best homeowners insurance in Louisiana means balancing affordable rates with strong coverage, valuable discounts and customer service you can count on. Based on those factors and overall value, these insurers stand out as our top picks.
Best overall: State Farm
Average annual rate: $1,046
Why we chose it: State Farm offers the lowest average home insurance rates in Louisiana, coupled with a considerable number of coverage options. That makes it an attractive option for most budget-conscious homeowners.
One potential drawback is State Farm’s higher-than-average National Association of Insurance Commissioners (NAIC)
Who it’s best for: State Farm’s low premiums and broad range of coverage options make it a strong choice for Louisiana residents who want solid protection without paying more than necessary.
PROS
- Cheapest average rates in the state
- Many coverage options to choose from
- Rated exceptionally well for financial stability
CONS
- Poor complaint index rating
- Limited discounts compared to other insurers
Best for discounts: Farmers
Average annual rate: $3,262
Why we chose it: Farmers offers more discounts to Louisiana homeowners than other insurers we looked at in the state. These include savings for bundling coverage, customer loyalty, having protective devices in the home and staying claim-free for three years.
Who it’s best for: Customers who bundle multiple policies, maintain a claim-free history or qualify for other discounts that can help lower their overall insurance costs.
PROS
- Numerous discounts to help you save
- Gets 30% fewer complaints than average
CONS
- Higher premiums than other insurers we compared
- Limited home coverage options
Best for customer service: Shelter
Average annual rate: $2,704
Why we chose it: Shelter made our top pick for customer service based on the fact that it gets 60% fewer complaints than other companies its size, according to the NAIC. That, coupled with its slightly lower-than-average rates, makes it a good option for people who prioritize better customer care.
Who it’s best for: Louisiana residents who are willing to trade some discount and coverage options for a company with a strong track record of customer satisfaction.
PROS
- Low number of customer complaints
- More affordable rates than some other providers
CONS
- Fewer discounts available
- Fewer coverage options than some other companies
Compare home insurance rates and ratings in Louisiana
| Company | Average annual rate * | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,046 | 4.5/5 | 1.4 |
 | Allstate | $1,621 | 3/5 | 1.2 |
| Shelter | $2,704 |  3.5/5 | 0.4 |
| Farmers | $3,262 | 3/5 | 0.7 |
 | The Hanover | $4,995 | 4.5/5 | 0.3 |
 | USAA | $3,788 |  4/5 | 0.5 |
LendingTree analyzed thousands of quotes from top insurers across Louisiana to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in Louisiana?
The average cost of home insurance in Louisiana is $2,903.
Louisiana homeowners pay an average of $2,903 per year for homeowners insurance, which works out to approximately $242 per month.
Home insurance in Louisiana is slightly higher than the average nationwide cost of $2,628 per year. This is likely due to Louisiana’s exposure to hurricanes, tropical storms, flooding and other severe weather events.
Comparing quotes from multiple companies can help Louisiana residents find the best combination of coverage and affordability.
Average home insurance rates by dwelling coverage amount
The amount of dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $874 | $1,046 | $1,277 | $1,562 |
| Farmers | $2,273 | $3,262 | $5,063 | $7,682 |
| Shelter | $2,114 | $2,704 | $3,589 | $4,768 |
| State average | $2,218 | $2,903 | $3,989 | $5,471 |
Home insurance rates in Louisiana by city
Home insurance rates can vary significantly depending on where you live in Louisiana. Among the cities and towns we analyzed, Chase ($2,046), Rhinehart ($2,059) and Cheneyville ($2,090) had the lowest average premiums. Meanwhile, the coastal communities of Creole ($5,854), Grand Isle ($5,796) and Golden Meadow ($5,794) had the highest average rates.
Much of this variation is driven by local risk factors, including exposure to hurricanes, coastal flooding, severe weather and the likelihood of insurance claims in a particular area. Cities with higher risk factors require higher premiums overall. The three locations with the highest average rates in the state — Golden Meadow, Grand Isle and Creole — are on the coast or located along saltwater marshes and bayous.
| City | Average rate |
|---|---|
| Abbeville | $3,713 |
| Abita Springs | $2,777 |
| Acme | $2,134 |
| Addis | $2,737 |
| Aimwell | $2,199 |
| Akers | $2,888 |
| Albany | $2,836 |
| Alexandria | $2,165 |
| Ama | $3,639 |
| Amelia | $3,702 |
| Amite City | $2,887 |
| Anacoco | $2,319 |
| Angie | $2,733 |
| Angola | $2,569 |
| Arabi | $4,526 |
| Arcadia | $2,255 |
| Archibald | $2,313 |
| Arnaudville | $2,567 |
| Ashland | $2,336 |
| Athens | $2,145 |
| Atlanta | $2,360 |
| Avery Island | $3,641 |
| Avondale | $3,919 |
| Baker | $2,670 |
| Baldwin | $3,725 |
| Ball | $2,191 |
| Banks Springs | $2,355 |
| Barataria | $4,728 |
| Barksdale AFB | $2,362 |
| Basile | $2,588 |
| Baskin | $2,290 |
| Bastrop | $2,323 |
| Batchelor | $2,577 |
| Baton Rouge | $2,648 |
| Bawcomville | $2,151 |
| Bayou Blue | $3,869 |
| Bayou Cane | $3,859 |
| Bayou Country Club | $3,766 |
| Bayou Gauche | $3,629 |
| Bayou Goula | $2,998 |
| Bayou L’Ourse | $3,696 |
| Bayou Vista | $3,699 |
| Belcher | $2,419 |
| Bell City | $3,350 |
| Belle Chasse | $4,809 |
| Belle Rose | $3,240 |
| Belmont | $2,354 |
| Bentley | $2,335 |
| Benton | $2,370 |
| Bernice | $2,300 |
| Berwick | $4,015 |
| Bethany | $2,370 |
| Bienville | $2,270 |
| Blanchard | $2,412 |
| Bogalusa | $2,773 |
| Bonita | $2,356 |
| Boothville | $4,995 |
| Bordelonville | $2,376 |
| Bossier City | $2,346 |
| Bourg | $4,000 |
| Boutte | $3,604 |
| Boyce | $2,189 |
| Braithwaite | $5,020 |
| Branch | $2,748 |
| Breaux Bridge | $2,805 |
| Bridge City | $3,914 |
| Brittany | $2,835 |
| Broussard | $2,807 |
| Brownfields | $2,712 |
| Brownsville | $2,148 |
| Brusly | $2,737 |
| Bunkie | $2,369 |
| Buras | $4,962 |
| Burnside | $2,875 |
| Bush | $2,810 |
| Cade | $2,866 |
| Calhoun | $2,159 |
| Calvin | $2,307 |
| Cameron | $4,415 |
| Campti | $2,373 |
| Cankton | $2,498 |
| Carencro | $2,717 |
| Carlyss | $3,145 |
| Carville | $2,899 |
| Castor | $2,305 |
| Catahoula | $2,874 |
| Cecilia | $2,810 |
| Center Point | $2,366 |
| Centerville | $3,780 |
| Central | $2,621 |
| Chackbay | $3,778 |
| Chalmette | $4,548 |
| Charenton | $3,770 |
| Chase | $2,046 |
| Chataignier | $2,542 |
| Chatham | $2,267 |
| Chauvin | $5,021 |
| Cheneyville | $2,090 |
| Choudrant | $2,186 |
| Church Point | $2,729 |
| Claiborne | $2,176 |
| Clarence | $2,347 |
| Clarks | $2,257 |
| Clayton | $2,159 |
| Clinton | $2,569 |
| Cloutierville | $2,379 |
| Colfax | $2,335 |
| Collinston | $2,306 |
| Columbia | $2,357 |
| Convent | $3,171 |
| Converse | $2,408 |
| Cotton Valley | $2,282 |
| Cottonport | $2,431 |
| Coushatta | $2,314 |
| Covington | $2,807 |
| Creole | $5,854 |
| Crowley | $2,782 |
| Crowville | $2,243 |
| Cullen | $2,266 |
| Cut Off | $5,014 |
| Darrow | $2,963 |
| Delcambre | $3,764 |
| Delhi | $2,323 |
| Delta | $2,178 |
| Denham Springs | $2,750 |
| Dequincy | $2,894 |
| Deridder | $2,676 |
| Des Allemands | $3,629 |
| Destrehan | $3,630 |
| Deville | $2,231 |
| Dodson | $2,355 |
| Donaldsonville | $2,982 |
| Donner | $3,923 |
| Downsville | $2,262 |
| Doyline | $2,252 |
| Dry Creek | $2,689 |
| Dry Prong | $2,309 |
| Dubach | $2,189 |
| Dubberly | $2,240 |
| Dulac | $5,772 |
| Duplessis | $2,910 |
| Dupont | $2,554 |
| Duson | $2,723 |
| Eastwood | $2,337 |
| Echo | $2,222 |
| Eden Isle | $3,128 |
| Edgard | $3,325 |
| Effie | $2,375 |
| Egan | $2,776 |
| Elizabeth | $2,681 |
| Elm Grove | $2,364 |
| Elmer | $2,156 |
| Elmwood | $4,311 |
| Elton | $2,697 |
| Empire | $4,992 |
| Enterprise | $2,197 |
| Epps | $2,353 |
| Erath | $3,721 |
| Eros | $2,176 |
| Erwinville | $2,718 |
| Estelle | $4,044 |
| Estherwood | $2,794 |
| Ethel | $2,587 |
| Eunice | $2,519 |
| Evangeline | $2,768 |
| Evans | $2,321 |
| Evergreen | $2,383 |
| Fairbanks | $2,155 |
| Farmerville | $2,399 |
| Fenton | $2,785 |
| Ferriday | $2,135 |
| Fisher | $2,351 |
| Flatwoods | $2,187 |
| Flora | $2,337 |
| Florien | $2,407 |
| Fluker | $2,805 |
| Folsom | $2,690 |
| Fordoche | $2,685 |
| Forest | $2,291 |
| Forest Hill | $2,195 |
| Fort Jesup | $2,375 |
| Fort Johnson | $2,301 |
| Fort Necessity | $2,250 |
| Fort Polk | $2,345 |
| Fort Polk North | $2,340 |
| Fort Polk South | $2,322 |
| Franklin | $3,732 |
| Franklinton | $2,743 |
| French Settlement | $2,837 |
| Frierson | $2,251 |
| Galliano | $5,210 |
| Garden City | $3,742 |
| Gardere | $2,608 |
| Gardner | $2,159 |
| Garyville | $3,298 |
| Geismar | $2,815 |
| Georgetown | $2,331 |
| Gheens | $3,786 |
| Gibsland | $2,261 |
| Gibson | $3,980 |
| Gilbert | $2,305 |
| Gilliam | $2,422 |
| Glenmora | $2,204 |
| Gloster | $2,243 |
| Glynn | $2,581 |
| Golden Meadow | $5,794 |
| Goldonna | $2,367 |
| Gonzales | $2,852 |
| Gorum | $2,299 |
| Grambling | $2,168 |
| Gramercy | $3,144 |
| Grand Cane | $2,264 |
| Grand Chenier | $4,089 |
| Grand Coteau | $2,508 |
| Grand Isle | $5,796 |
| Grand Point | $3,190 |
| Grant | $2,687 |
| Gray | $3,890 |
| Grayson | $2,313 |
| Greensburg | $2,869 |
| Greenwell Springs | $2,621 |
| Greenwood | $2,371 |
| Gretna | $3,943 |
| Grosse Tete | $2,830 |
| Gueydan | $3,773 |
| Hackberry | $5,095 |
| Hahnville | $3,634 |
| Hall Summit | $2,275 |
| Hamburg | $2,541 |
| Hammond | $2,840 |
| Harahan | $4,334 |
| Harrisonburg | $2,248 |
| Harvey | $3,943 |
| Haughton | $2,353 |
| Hayes | $3,195 |
| Haynesville | $2,158 |
| Heflin | $2,252 |
| Hessmer | $2,404 |
| Hester | $3,193 |
| Hineston | $2,221 |
| Hodge | $2,260 |
| Holden | $2,839 |
| Homer | $2,143 |
| Hornbeck | $2,335 |
| Hosston | $2,418 |
| Houma | $3,868 |
| Husser | $2,838 |
| Ida | $2,450 |
| Independence | $2,836 |
| Innis | $2,574 |
| Inniswold | $2,592 |
| Iota | $2,751 |
| Iowa | $3,238 |
| Jackson | $2,584 |
| Jamestown | $2,253 |
| Jarreau | $2,626 |
| Jeanerette | $3,723 |
| Jefferson | $4,310 |
| Jena | $2,294 |
| Jennings | $2,841 |
| Jigger | $2,235 |
| Jones | $2,303 |
| Jonesboro | $2,263 |
| Jonesville | $2,215 |
| Joyce | $2,291 |
| Kaplan | $3,733 |
| Keatchie | $2,270 |
| Keithville | $2,355 |
| Kelly | $2,244 |
| Kenner | $4,786 |
| Kentwood | $2,851 |
| Kilbourne | $2,299 |
| Killian | $2,969 |
| Kinder | $2,713 |
| Kraemer | $3,781 |
| Krotz Springs | $2,451 |
| Kurthwood | $2,274 |
| La Place | $3,644 |
| Labadieville | $3,319 |
| Lacassine | $3,467 |
| Lacombe | $3,166 |
| Lafayette | $2,720 |
| Lafitte | $5,422 |
| Lafourche Crossing | $3,766 |
| Lake Arthur | $3,499 |
| Lake Charles | $3,151 |
| Lake Providence | $2,341 |
| Lakeland | $2,702 |
| Lakeshore | $2,182 |
| Lakeview | $2,399 |
| Laplace | $3,629 |
| Larose | $4,423 |
| Lawtell | $2,469 |
| Lebeau | $2,551 |
| Leblanc | $2,632 |
| Lecompte | $2,210 |
| Leesville | $2,313 |
| Lena | $2,243 |
| Leonville | $2,480 |
| Lettsworth | $2,563 |
| Libuse | $2,154 |
| Lillie | $2,335 |
| Lisbon | $2,159 |
| Livingston | $2,780 |
| Livonia | $2,709 |
| Lockport | $4,022 |
| Lockport Heights | $4,011 |
| Logansport | $2,266 |
| Longleaf | $2,206 |
| Longstreet | $2,245 |
| Longville | $2,751 |
| Loranger | $2,845 |
| Loreauville | $3,400 |
| Lottie | $2,669 |
| Luling | $3,641 |
| Lutcher | $3,167 |
| Lydia | $3,717 |
| Madisonville | $3,170 |
| Mamou | $2,452 |
| Mandeville | $3,316 |
| Mangham | $2,359 |
| Mansfield | $2,276 |
| Mansura | $2,421 |
| Many | $2,410 |
| Maringouin | $2,746 |
| Marion | $2,421 |
| Marksville | $2,381 |
| Marrero | $4,043 |
| Marthaville | $2,388 |
| Martin | $2,322 |
| Mathews | $3,822 |
| Maurepas | $2,858 |
| Maurice | $3,115 |
| Melrose | $2,359 |
| Melville | $2,436 |
| Mer Rouge | $2,348 |
| Meraux | $4,684 |
| Mermentau | $2,792 |
| Merrydale | $2,660 |
| Merryville | $2,765 |
| Metairie | $4,767 |
| Midway | $2,294 |
| Milton | $2,737 |
| Minden | $2,222 |
| Minorca | $2,144 |
| Mittie | $2,628 |
| Monroe | $2,169 |
| Montegut | $5,026 |
| Monterey | $2,190 |
| Montgomery | $2,327 |
| Monticello | $2,618 |
| Montz | $3,644 |
| Mooringsport | $2,413 |
| Mora | $2,224 |
| Moreauville | $2,419 |
| Morgan City | $3,717 |
| Morganza | $2,604 |
| Morrow | $2,448 |
| Morse | $3,121 |
| Moss Bluff | $2,848 |
| Mount Airy | $3,323 |
| Mount Hermon | $2,693 |
| Napoleonville | $3,290 |
| Natalbany | $2,830 |
| Natchez | $2,356 |
| Natchitoches | $2,375 |
| Negreet | $2,364 |
| New Iberia | $3,705 |
| New Llano | $2,330 |
| New Orleans | $4,619 |
| New Roads | $2,606 |
| New Sarpy | $3,633 |
| Newellton | $2,234 |
| Noble | $2,407 |
| Norco | $3,633 |
| North Hodge | $2,262 |
| North Vacherie | $3,188 |
| Norwood | $2,505 |
| Oak Grove | $2,345 |
| Oak Hills Place | $2,601 |
| Oak Ridge | $2,343 |
| Oakdale | $2,622 |
| Oberlin | $2,655 |
| Oil City | $2,401 |
| Old Jefferson | $2,606 |
| Olla | $2,304 |
| Opelousas | $2,472 |
| Oscar | $2,679 |
| Ossun | $2,712 |
| Otis | $2,160 |
| Paincourtville | $3,284 |
| Palmetto | $2,447 |
| Paradis | $3,603 |
| Patterson | $4,021 |
| Paulina | $3,195 |
| Pearl River | $3,007 |
| Pelican | $2,391 |
| Perry | $3,643 |
| Pierre Part | $3,290 |
| Pilottown | $4,884 |
| Pine Grove | $2,860 |
| Pine Prairie | $2,423 |
| Pineville | $2,214 |
| Pioneer | $2,357 |
| Pitkin | $2,315 |
| Plain Dealing | $2,405 |
| Plaquemine | $2,940 |
| Plattenville | $3,245 |
| Plaucheville | $2,418 |
| Pleasant Hill | $2,389 |
| Point Place | $2,381 |
| Pointe A La Hache | $4,884 |
| Pollock | $2,340 |
| Ponchatoula | $2,959 |
| Port Allen | $2,728 |
| Port Barre | $2,444 |
| Port Sulphur | $4,994 |
| Powhatan | $2,347 |
| Poydras | $4,765 |
| Prairieville | $2,700 |
| Presquille | $3,990 |
| Pride | $2,611 |
| Prien | $3,119 |
| Princeton | $2,352 |
| Provencal | $2,386 |
| Quitman | $2,261 |
| Raceland | $3,823 |
| Ragley | $2,749 |
| Rayne | $2,789 |
| Rayville | $2,348 |
| Red Chute | $2,339 |
| Reddell | $2,522 |
| Reeves | $2,665 |
| Reserve | $3,311 |
| Rhinehart | $2,059 |
| Richmond | $2,192 |
| Richwood | $2,168 |
| Ringgold | $2,252 |
| River Ridge | $4,325 |
| Roanoke | $2,855 |
| Robeline | $2,376 |
| Robert | $2,845 |
| Rodessa | $2,437 |
| Rosedale | $2,813 |
| Roseland | $2,844 |
| Rosepine | $2,217 |
| Rougon | $2,715 |
| Ruby | $2,156 |
| Ruston | $2,125 |
| Saline | $2,285 |
| Sarepta | $2,259 |
| Schriever | $3,895 |
| Scott | $2,717 |
| Shenandoah | $2,607 |
| Shongaloo | $2,281 |
| Shreveport | $2,362 |
| Sibley | $2,257 |
| Sicily Island | $2,207 |
| Sieper | $2,188 |
| Sikes | $2,370 |
| Simmesport | $2,405 |
| Simpson | $2,301 |
| Simsboro | $2,167 |
| Singer | $2,740 |
| Slagle | $2,272 |
| Slaughter | $2,630 |
| Slidell | $3,197 |
| Sondheimer | $2,314 |
| Sorrel | $3,700 |
| Sorrento | $2,854 |
| South Vacherie | $3,185 |
| Spearsville | $2,403 |
| Spokane | $2,136 |
| Springfield | $2,973 |
| Springhill | $2,273 |
| St. Amant | $2,857 |
| St. Benedict | $2,890 |
| St. Bernard | $4,474 |
| St. Francisville | $2,537 |
| St. Gabriel | $2,876 |
| St. James | $3,159 |
| St. Joseph | $2,183 |
| St. Landry | $2,416 |
| St. Martinville | $2,867 |
| St. Maurice | $2,297 |
| St. Rose | $3,625 |
| Stanley | $2,263 |
| Starks | $3,009 |
| Start | $2,308 |
| Sterlington | $2,259 |
| Stonewall | $2,247 |
| Sugartown | $2,672 |
| Sulphur | $3,086 |
| Summerfield | $2,130 |
| Sun | $2,723 |
| Sunset | $2,507 |
| Sunshine | $2,875 |
| Supreme | $3,279 |
| Swartz | $2,181 |
| Talisheek | $2,842 |
| Tallulah | $2,210 |
| Tangipahoa | $2,757 |
| Taylor | $2,246 |
| Terrytown | $3,948 |
| Theriot | $4,725 |
| Thibodaux | $3,785 |
| Tickfaw | $2,831 |
| Timberlane | $3,944 |
| Tioga | $2,195 |
| Transylvania | $2,363 |
| Triumph | $4,980 |
| Trout | $2,303 |
| Tullos | $2,261 |
| Tunica | $2,482 |
| Turkey Creek | $2,423 |
| Uncle Sam | $3,198 |
| Union | $3,171 |
| Urania | $2,313 |
| Vacherie | $3,189 |
| Varnado | $2,717 |
| Venice | $4,993 |
| Ventress | $2,612 |
| Vidalia | $2,128 |
| Village St. George | $2,593 |
| Ville Platte | $2,445 |
| Vinton | $3,281 |
| Violet | $4,598 |
| Vivian | $2,399 |
| Waggaman | $3,907 |
| Wakefield | $2,523 |
| Walker | $2,707 |
| Washington | $2,448 |
| Waterproof | $2,196 |
| Watson | $2,677 |
| Welcome | $3,156 |
| Welsh | $2,957 |
| West Monroe | $2,166 |
| Westlake | $3,054 |
| Westminster | $2,599 |
| Westwego | $3,912 |
| Weyanoke | $2,475 |
| White Castle | $3,005 |
| Wildsville | $2,098 |
| Wilson | $2,604 |
| Winnfield | $2,354 |
| Winnsboro | $2,286 |
| Wisner | $2,264 |
| Woodmere | $3,947 |
| Woodworth | $2,196 |
| Youngsville | $2,811 |
| Zachary | $2,592 |
| Zwolle | $2,401 |
Current state of homeowners insurance in Louisiana
While Louisiana is not the most expensive state when it comes to homeowners insurance, premiums have increased dramatically over the last few years. In fact, the state has seen about a 47% increase in premiums since 2021.
Higher building material and labor costs across the country as well as Louisiana’s significant weather-related risk factors have played a role in this increase. When Hurricane Ida hit Louisiana in 2021, the storm caused roughly 460,000 insurance claims and more than $13 billion in damage.
That said, average homeowners insurance rates in Louisiana are not as high as some nearby states that face similar severe weather conditions. Average premiums for homeowners insurance in Florida are currently $3,046, compared to $3,614 in Alabama and $3,477 in South Carolina.
How to compare homeowners insurance in Louisiana
When comparing options, don’t just look at rates, but also consider:
- Coverage limits: Make sure your policy provides enough protection to fully rebuild your home and replace belongings after a major loss.
- Deductibles: Choose a deductible you can comfortably afford out of pocket if you need to file a claim.
- Exclusions: Check what isn’t covered, including floods, which often require separate policies in Louisiana.
- Add-ons: Look for optional coverage like replacement cost protection, water backup coverage or extended dwelling protection.
- Discounts: Ask about savings for paperless billing, home security systems, claims-free history and other qualifying factors.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Home insurance in Louisiana is expensive due to frequent hurricanes, tropical storms, flooding and high repair costs following major weather events.
Yes, standard homeowners insurance does not cover flooding. Many Louisiana homeowners need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or private insurers.
If you get a non-renewal notice, it means your home insurance company will not offer you a new policy once your current one expires. You’ll then need to shop for a new provider or potentially turn to the Louisiana Citizens Property Insurance Corporation. That is the state’s insurer of last resort, which provides coverage to homeowners who can’t find insurance in the private market.
Methodology
How we chose the best homeowners insurance in Louisiana
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Louisiana ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.